Cheapest car insurance quotes in Pittsburgh
On average, auto insurance in Pittsburgh costs about $102 per month for minimum coverage liability insurance, and about $176 per month for full coverage insurance. Pittsburgh drivers pay 10% less than the Pennsylvania average.
There is a common misconception that popular car insurance providers consistently offer better rates than others—but in reality, no one company provides the best rates for everyone. To unlock the best insurance rates, you should shop around and collect quotes from multiple sources and choose the most suitable option for your needs.
Every month, Jerry Insurance Agency helps savvy car insurance shoppers in Pittsburgh streamline the insurance comparison process and purchase affordable coverage. Here are some of the cheapest quotes we found.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| First Acceptance | $171 | 40 | 15216 | Nissan Juke S | 50/100 | Yes |
| First Acceptance | $89 | 25 | 15219 | Honda Odyssey Exl | State Minimum | No |
| National General | $164 | 65 | 15235 | Dodge Durango Citadel | State Minimum | Yes |
| Gainsco | $148 | 24 | 15227 | Buick Lacrosse Cxl | State Minimum | No |
| Embark General | $148 | 50 | 15219 | Acura Rdx | State Minimum | Yes |
Best car insurance companies in Pittsburgh
Jerry administered the nation’s largest insurance shopping survey to uncover the truths about finding affordable insurance—including who offers the cheapest car insurance rates in Pittsburgh.
What we found: affordable car insurance rates aren’t housed by just one company. Each car insurance provider offers unique rates for their policyholders, so the cheapest provider for one driver may not be the cheapest provider for another. Factors like customer service and claims handling are also important to consider when choosing an insurer.
While State Auto, Safeco, Progressive, National General, and Travelers are all popular insurance companies in Pittsburgh, let’s take a look at how Pittsburgh drivers reviewed them on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.3 | 3.7 | 4.3 | 4.4 |
| Allstate | 4.1 | 2.8 | N/A | 4.3 |
| State Farm | 3.9 | 3.1 | 3.9 | 3.6 |
| Liberty Mutual | 3.6 | 3.5 | 3.8 | 3.5 |
| Geico | 3.3 | 2.6 | 3 | 3.5 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Pittsburgh
Pennsylvania’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Pittsburgh. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Keystone State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Pennsylvania, and how it could affect your policy choices in Pittsburgh.
Cheap minimum liability insurance quotes in Pittsburgh
To legally operate a vehicle on Pittsburgh roads, residents must meet the state’s minimum car insurance coverage requirements.
Pennsylvania drivers must hold $5,000 in personal injury protection (PIP), $5,000 in property damage liability per accident, $15,000 in bodily injury liability per person, and $30,000 in bodily injury liability per accident.
Do you need more than minimum coverage in Pittsburgh?
Pittsburgh drivers aren’t required to purchase more than minimum coverage—but you may need additional coverage to keep yourself fully protected on the roads.
If an at-fault accident occurs, you could face vehicle repair or replacement costs, as well as medical expenses that exceed the minimum limits of your state-required coverage. Serious injuries to another person or hefty vehicle damages can result in expenses of over $50,000 in some cases.
The bottom line: Consider medical benefits, full coverage with collision and comprehensive coverage, uninsured motorist coverage, or at least 50/100/50 or 100/300/100 liability coverage for better financial protection.
Cheap full coverage car insurance quotes in Pittsburgh
In the event of an accident that requires extreme repairs or replacing your vehicle, full coverage is the best car insurance for covering your financial bases.
As per Pennsylvania insurance law, full coverage offers comprehensive and collision coverage:
- Collision coverage covers the expenses associated with repairing or replacing your car
- Comprehensive coverage provides coverage if your car is stolen or damaged by non-collision incidents like theft or natural disasters
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
Jerry’s agents have assisted customers in finding the most affordable full-coverage policies available to them.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| First Acceptance | $171 | 40 | 15216 | Nissan Juke S | 50/100 | Yes |
| National General | $164 | 65 | 15235 | Dodge Durango Citadel | State Minimum | Yes |
| Embark General | $148 | 50 | 15219 | Acura Rdx | State Minimum | Yes |
| Gainsco | $226 | 30 | 15211 | Nissan Kicks S | State Minimum | Yes |
| Bristol West | $126 | 21 | 15227 | Toyota Prius | State Minimum | Yes |
To effectively and efficiently compare car insurance quotes online, it’s best to use a car insurance comparison app or website.
Jerry, a top insurance agency, has a handy, free app that compares car insurance quotes and offers personalized service to customers through a team of over 100 licensed insurance agents.
Average cost of car insurance in Pittsburgh
From helping thousands of Pittsburgh insurance policyholders find the right coverage for their needs, we’ve observed that minimum liability coverage costs an average of $102 per month or $1,218 per year. On the other hand, full coverage in Pittsburgh can amount to $176 per month or $2,109 per year.
Average insurance rates are a great tool to help you get an idea of what your insurance costs could look like, but they won’t necessarily depict the reality of your premiums. Remember that each driver gets a unique rate determined by factors including the type of car, demographics, and driving and claims records.
Average cost of car insurance in Pittsburgh by zip code
Insurance companies use specific algorithms to calculate car insurance rates for each driver. Even within the same city, premiums can vary in different ZIP codes and neighborhoods. Higher incidents of theft, accidents, and vandalism in your specific location can lead insurers to flag your ZIP code as a “high-risk” area and increase your rates.
Jerry has helped drivers in different Pittsburgh neighborhoods find cheap car insurance.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 15201 | $78 | $101 |
| 15203 | $85 | $153 |
| 15204 | $85 | $210 |
| 15208 | $51 | $216 |
| 15212 | $67 | $158 |
| 15213 | $69 | $157 |
| 15214 | $78 | $173 |
| 15217 | $62 | $98 |
| 15218 | $99 | $207 |
| 15219 | $73 | $164 |
| 15220 | $47 | $108 |
| 15221 | $66 | $131 |
| 15222 | $54 | $145 |
| 15226 | $87 | $124 |
| 15228 | $67 | $96 |
| 15232 | $80 | $176 |
| 15233 | $67 | $142 |
| 15236 | $103 | $141 |
| 15239 | $47 | $135 |
| 15241 | $63 | $118 |
Car insurance quotes in Pittsburgh by rating factors
Each insurer in Pittsburgh determines your car insurance rate based on several factors, including:
- Your driving record and claims history: Car accidents and tickets tend to result in higher rates.
- Where you keep your car: Your location and garaging/parking address will impact your premiums. Drivers who live in areas with higher incidences of claims typically pay more for insurance.
- The kind of car you have: Luxury vehicles, sports cars, and high-performance vehicles will incur higher costs for collision and comprehensive coverage.
- How you use your car: Drivers who use their car for leisure typically pay less than drivers who take their car to and from work.
- Your credit score: Insurance companies in Pennsylvania can use your credit score to assess your risk level. Those with lower credit scores tend to pay higher for insurance.
Cheap car insurance quotes in Pittsburgh after driving violations
Your driving history is one of the most influential factors when it comes to your insurance rate. Insurance companies are likely to charge you higher premiums if you have a history of violations that indicate a greater risk of insuring you and your vehicle.
Common driving violations in Pittsburgh include:
- Speeding
- DUI
- Reckless driving
- Driving with a suspended license
- Texting and driving
Cheapest car insurance in Pittsburgh after speeding ticket
Speeding is classified by different levels, including:
- 1-5 mph over limit
- 6-10 mph over limit
- 11-15 mph over limit
- 16-20 mph over limit
- 21+ mph over limit
A speeding ticket on your driving record will typically impact your car insurance premiums. Luckily, Jerry helps you save on car insurance even if you have a speeding ticket.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Company
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Gainsco | $469 | 22 | 15234 | Toyota Camry Xse | State Minimum | Yes |
| Speeding 21+ | Progressive | $170 | 24 | 15206 | Nissan Altima Sr | State Minimum | No |
| Speeding 1-5 | Progressive | $34 | 30 | 15211 | Nissan Versa S | State Minimum | No |
| Speeding 21+ | Gainsco | $284 | 33 | 15212 | Mitsubishi Outlander Sport Be | State Minimum | Yes |
| Speeding 11-15 | National General | $57 | 24 | 15214 | Honda Accord Exl | State Minimum | No |
Cheapest car insurance in Pittsburgh after DUI
A DUI offense in Pennsylvania can lead to a higher increase in car insurance premiums compared to other infractions.
Having a DUI offense on your record can mean significantly different car insurance rates between insurance companies, too. To find affordable options following a DUI, it’s therefore best to compare rates from multiple insurance providers before settling on a policy.
Cheapest car insurance in Pittsburgh after an at-fault accident
Insurance providers look at your history of at-fault accidents to assess your level of risk. A recent at-fault accident can increase your car insurance rates significantly.
While Pennsylvania is a no-fault state, you can still be deemed at fault in a collision and responsible for paying property damages for another driver’s vehicle—even if you aren’t typically responsible for bodily injury damages.
Filing a property damage liability claim for an at-fault collision can increase your rates. But Jerry has been able to help Pittsburgh drivers save on car insurance with at-fault accidents in their driving record.
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Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | First Acceptance | $89 | 25 | 15219 | Honda Odyssey Exl | State Minimum | No |
| At Fault With No Injury | National General | $164 | 65 | 15235 | Dodge Durango Citadel | State Minimum | Yes |
| Not At Fault | Gainsco | $148 | 24 | 15227 | Buick Lacrosse Cxl | State Minimum | No |
| Not At Fault | Gainsco | $226 | 30 | 15211 | Nissan Kicks S | State Minimum | Yes |
| At Fault With No Injury | First Acceptance | $75 | 36 | 15227 | Nissan Rogue S | State Minimum | No |
Cheapest car insurance in Pittsburgh after other driving violations
Apart from speeding tickets and DUIs, other violations—like reckless driving—can also result in high car insurance costs in Pittsburgh. But Jerry has helped affected drivers reduce their monthly insurance expenses.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Suspension | Gainsco | $148 | 24 | 15227 | Buick Lacrosse Cxl | State Minimum | No |
| Driving on Sus. License | Gainsco | $226 | 30 | 15211 | Nissan Kicks S | State Minimum | Yes |
| Other Minor | Bristol West | $137 | 22 | 15220 | Hyundai Accent Se | State Minimum | No |
| Failure to Yield | National General | $50 | 27 | 15241 | Porsche Macan | State Minimum | No |
| Failure to Obey Signal | National General | $253 | 32 | 15218 | Kia Sorento Lx | State Minimum | Yes |
Cheap car insurance quotes in Pittsburgh by age
Your age will impact your Pittsburgh car insurance rates. If you’re a teen driver under 25, you can expect to pay higher premiums. Likewise, once you turn 75 you can expect your insurance rates to increase again.
Cheapest car insurance in Pittsburgh for young drivers
New drivers between the ages of 16 and 24 generally pay the highest insurance premiums in Pittsburgh. Full coverage is a good idea for those with limited driving experience as it offers broader financial protection in case of an accident.
One way to lower teen car insurance rates is to keep newer drivers on a parent or guardian’s policy. Jerry has helped both parents and young drivers in Pittsburgh find affordable premiums.
Cheapest car insurance in Pittsburgh for senior drivers
Car insurance rates tend to rise again once drivers reach their mid-70s. Older drivers are statistically more likely to be in an accident and experience serious injuries after a collision. Higher medical expenses encourage insurance providers to charge senior drivers steeper premiums.
Cheap car insurance quotes in Pittsburgh based on insurance history
Your insurance history plays a significant role in your car insurance rates. This includes whether you currently have an active insurance policy or not. A lapse in your insurance coverage can mean a higher premium.
You can sign up for payment reminders with Jerry to make sure you never miss a car insurance payment. If your coverage has lapsed or you’re currently uninsured, however, Jerry can help you track down savings on a new policy.
Cheap car insurance quotes in Pittsburgh for drivers with poor credit
Insurance companies in Pennsylvania are permitted to use credit scores when setting premiums. In general, drivers with poor credit scores are more likely to file claims and therefore pay more for insurance than those with good credit.
Our data shows that drivers with credit scores over 750 tend to pay 20% less than drivers with credit scores under 550.
Here’s how drivers with low credit scores saved with Jerry.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | First Acceptance | $171 | 40 | 15216 | Nissan Juke S | 50/100 | Yes |
| 550-659 | First Acceptance | $89 | 25 | 15219 | Honda Odyssey Exl | State Minimum | No |
| 660-750 | National General | $164 | 65 | 15235 | Dodge Durango Citadel | State Minimum | Yes |
| <550 | Gainsco | $148 | 24 | 15227 | Buick Lacrosse Cxl | State Minimum | No |
| <550 | Embark General | $148 | 50 | 15219 | Acura Rdx | State Minimum | Yes |
Cheap car insurance quotes in Pittsburgh for popular cars
Car insurance premiums vary depending on the type of vehicle you have. Different repair and replacement costs, theft rates, and safety ratings all play a role in your premium.
In Pittsburgh, common car models include:
- Honda Civic
- Honda CR-V
- Toyota RAV4
- Jeep Cherokee
- Honda Accord
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Accord Lx | Progressive | $60 | 40 | 15220 | State Minimum | No |
| Jeep Cherokee Latitude Pl | Progressive | $52 | 55 | 15221 | State Minimum | Yes |
| Honda Accord Lx | Embark General | $101 | 40 | 15216 | State Minimum | No |
| Honda Accord Exl | National General | $63 | 24 | 15212 | State Minimum | No |
| Honda Accord Exl | National General | $57 | 24 | 15214 | State Minimum | No |
Learn more: How to get car insurance before buying a car
How to lower car insurance costs in Pittsburgh
1. Shop around and compare quotes
You can’t get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison shopping for car insurance quotes every six months.
Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!
2. Hunt for car insurance discounts
Getting the right car insurance discount can transform a good rate into a great one. You could save by joining a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Insurance bundlers. Bundle your car and home insurance and you could pay less for each of them.
Once you know which discounts you qualify for, check out the Jerry app to help you achieve even lower premiums.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Pittsburgh so expensive?
Pittsburgh car insurance rates can be pretty steep for a few reasons:
- Insurance requirements: Because Pennsylvania is a no-fault state, Pittsburgh drivers must purchase car insurance with higher (and pricier) minimum insurance requirements than other areas.
- Bad traffic: As population trends upward in Pittsburgh, more cars on the road leads to busier traffic and increased accident risk.
- Uninsured drivers: The rate of uninsured drivers in Pittsburgh is relatively high compared to some other cities. The extra costs of an accident with an uninsured driver often translate into higher premiums.
- Expensive healthcare: Healthcare costs can be high in Pittsburgh, with some residents opting out of health insurance. In anticipation of increased medical expenses after an accident, insurers raise their rates.
- Car thefts and crime: As a state, Pennsylvania saw a 25% increase in car thefts from 2019 to 2020. More vehicles filing comprehensive claims for repairs or market pay-outs create higher premiums.
- Northern weather conditions: Pittsburgh gets its fair share of snowy roads, making it hard for drivers to avoid difficult winter driving conditions. Since this increases the risk of accidents and damage, insurance costs go up.
FAQ
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Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
