Cheap Auto Insurance in Pittsburgh, Pennsylvania (2024)
State Farm offers the cheapest rates in Pittsburgh for $50 per month.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Edited byDanny Smith
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Licensed auto and home insurance agent
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Pittsburgh drivers pay an average of $168 per month for full coverage car insurance and $93 for minimum coverage. Those rates are higher than what residents of smaller cities, like Lancaster, pay, and higher than the state averages of $173 and $93, respectively.
With nearly 303,000 residents, Pittsburgh is the second-largest city in Pennsylvania. The city's location in the foothills of the Allegheny Mountains, where the Allegheny and Monongahela Rivers join to become the Ohio river, mean Pittsburgh has some challenging terrain for drivers. Add a large population of college students, snowy winters, and numerous businesses and entertainment venues that bring people to the city, and it's not surprising that Pittsburgh has some high car insurance rates.
You can still find cheap car insurance by comparing rates from State Farm and other insurers. Here's what you need to know about finding affordable car insurance in Pittsburgh.
Quick Facts
State Farm, Mile Auto, and Erie are the three cheapest insurers for Pittsburgh drivers.
Pittsburgh had 3,485 reported crashes and 20 fatalities in 2023, according to state data.
Pennsylvania is technically a no-fault state, but there are some important exclusions.
Best car insurance companies in Pittsburgh
There’s no way to identify a single car insurance company as “best” because the best company for one driver might fall short for another. Look for the company that offers the right policy and customer service for your needs while also delivering an affordable price. You can reach out to an agent to discuss your situation if you’re not sure where to start.
These three Pittsburgh car insurance companies fit the bill for various types of drivers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $110 | $51 | Cheap rates |
| Mile Auto | 7.5 | $74 | $53 | Infrequent drivers |
| Erie Insurance | 9.0 | $127 | $59 | Customer service |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm insures more than 9% of car insurance policyholders in the U.S. and Canada, making it North America’s largest car insurer. It’s also one of the most financially sound. A.M. Best gives it an A++ (Superior) financial strength rating. Its rates for Pittsburgh drivers tend to be among the lowest available for all driver profiles.
Pros
Bundling discounts, including for life and auto
Coverage choices for rideshare drivers, car rental, and travel expenses
Cons
Limited customer service options outside of mobile app
Gap insurance not available
Best insurer for infrequent drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto offers usage-based policies for people who drive fewer than 10,000 miles per year. Customers pay a base rate plus a per-mile rate. More than 16% of Pittsburgh's population are senior citizens, and seniors typically drive fewer miles per year than people of working age. Mile Auto can be a cost-effective choice for older drivers or anyone who works from home.
Pros
Only pay for the miles you drive
No tracking device needed — just snap a picture of the odometer
Cons
No AM Best or Better Business Bureau rating
Unresolved customer complaints with the Better Business Bureau (BBB)
Best insurer for customer service: Erie
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie provides less-common coverages, such as for pets, personal property, and locksmith services. It has an A+ (Superior) rating from AM Best and earned J.D. Power’s top score in the Mid-Atlantic region for customer satisfaction for auto insurance. Erie also has a much lower number of consumer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners' Complaint Index.
Pros
Excellent variety of coverages
Ability to lock in rates
Cons
Low-rated mobile app
Usage-based insurance discounts and policies not available
How to get the cheapest car insurance in Pittsburgh
Insurance professionals evaluate many factors when they calculate your auto rates. The main one is the coverage itself — the more auto insurance coverages you opt for and the higher your limits, the more you’ll pay. One of the best ways to save is by eliminating insurance products you don’t need.
What you need depends on how and when you drive. You might need full coverage if you commute to downtown Pittsburgh for school or work. If, on the other hand, you work remotely from your home in Monroeville or another suburb in the Pittsburgh area, liability coverage might be enough.
Here are additional ways to save on your Pittsburgh car insurance:
Compare quotes from multiple insurance companies to see which offers the best rate.
Increase your deductible to lower your monthly premiums.
Bundle your auto insurance with homeowners or renters insurance to earn a discount.
Maintain a good driving record.
Improve your credit.
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Cheapest liability-only car insurance in Pittsburgh: State Farm
Liability-only car insurance doesn’t cover your own injuries or damages. It provides bodily injury and property damage protection to cover damages and medical expenses for other drivers when you’re at fault in an accident. If you driver an older, paid-off, less-expensive vehicle, a liability-only policy can make sense.
On average Pittsburgh drivers pay $95 per month for liability insurance. State Farm offers the cheapest rate at $50 per month.
Here are the cheapest insurers for liability-only car insurance in Pittsburgh.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $50 |
| Mile Auto | $52 |
| Erie | $58 |
| Auto-Owners | $62 |
| National General | $65 |
| Plymouth Rock | $65 |
| Travelers | $76 |
| GEICO | $78 |
| Progressive | $79 |
| Foremost | $81 |
| Allstate | $88 |
| Safeco | $93 |
| Direct Auto | $94 |
| The General | $94 |
| Nationwide | $99 |
| USAA | $102 |
| Chubb | $118 |
| Bristol West | $123 |
| Dairyland | $125 |
| CSAA | $132 |
| State Auto | $137 |
| Liberty Mutual | $159 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Pittsburgh: Mile Auto
Full-coverage car insurance is optional unless you finance or lease your vehicle, but it’s good to have because it covers your losses in an accident. For the most complete protection, opt for both collision coverage, which protects you when you have a collision with another vehicle, and comprehensive coverage, for non-collision events like fire, theft, vandalism, and severe weather.[1]
On average, Pittsburgh drivers pay $168 per month for full coverage and Mile Auto offers the cheapest full-coverage rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $73 |
| State Farm | $108 |
| Erie | $125 |
| Plymouth Rock | $132 |
| Auto-Owners | $137 |
| National General | $153 |
| Safeco | $156 |
| GEICO | $163 |
| Travelers | $163 |
| Progressive | $165 |
| CSAA | $173 |
| Allstate | $184 |
| Direct Auto | $186 |
| Foremost | $204 |
| Nationwide | $210 |
| Liberty Mutual | $213 |
| USAA | $214 |
| Bristol West | $229 |
| Infinity | $234 |
| The General | $239 |
| Chubb | $249 |
| Dairyland | $291 |
| State Auto | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Pittsburgh, Pennsylvania
Drivers in and around Pittsburgh, Pennsylvania have found policies from Direct Auto, Liberty Mutual, Progressive, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Pittsburgh, Pennsylvania within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Pittsburgh, Pennsylvania within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
Pennsylvania drivers must carry liability insurance for each of their registered motor vehicles.[2] The minimum coverage is low compared to other state minimums and may not provide enough protection, so you may want to consider increasing your limits.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Pennsylvania is a no-fault state, meaning you must file a bodily injury claim with your insurance company even if the other driver was at fault.[3] However, the law allows drivers to opt out by selecting certain coverage options. Here are some other coverage options you should consider when buying car insurance in Pennsylvania:
Uninsured/underinsured motorist coverage
Underinsured/uninsured motorist coverage pays for coverage gaps if you get injured in an accident where the other person is responsible but lacks sufficient insurance.
Limited tort coverage
This lets you and other covered people receive compensation for medical bills and other monetary losses unless the accident meets the definition of a “serious” accident, which typically refers to significant impairment or injury. You must sue the other driver or their insurance company for reimbursement of “non-serious” non-monetary damages.
Full tort coverage
This covers both monetary and non-monetary damages. However, you must still seek compensation from the at-fault driver for damage to your vehicle.
Cheapest car insurance for Pittsburgh drivers with an incident
An incident is an event that’s reported to your insurance company and may increase your insurance rate as a result. Reportable incidents include speeding tickets, driving under the influence (DUI), and at-fault accidents, all of which correlate with an increased risk of future incidents.
That heightened risk can prompt your auto insurance company to add a surcharge to your premium and terminate any discounts you receive based on your driving record.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding car is more likely to be involved in an accident because the driver has less time to react. Speeding also makes accidents more dangerous by reducing the effectiveness of safety equipment like seat belts and airbags. Speeding contributed to 29% of traffic fatalities in 2021, according to the National Highway Traffic Safety Administration.[4]
A speeding ticket — especially if it’s not your first — could drive up your auto insurance rate for three to five years. On average, drivers with a speeding ticket pay $118 for liability insurance, but Mile Auto offers the cheapest rate for $64 per month. The following table shows the difference you'll pay with a speeding ticket vs. a clean record with some of Pittsburgh's top insurers offering liability-only coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $50 | $60 |
| Mile Auto | $52 | $64 |
| Erie | $58 | $73 |
| Auto-Owners | $62 | $77 |
| National General | $65 | $80 |
| Plymouth Rock | $65 | $85 |
| Travelers | $76 | $94 |
| GEICO | $78 | $95 |
| Progressive | $79 | $96 |
| Foremost | $81 | $107 |
| Allstate | $88 | $107 |
| Safeco | $93 | $115 |
| Direct Auto | $94 | $115 |
| The General | $94 | $117 |
| Nationwide | $99 | $122 |
| USAA | $102 | $124 |
| Chubb | $118 | $146 |
| Bristol West | $123 | $151 |
| Dairyland | $125 | $153 |
| CSAA | $132 | $165 |
| State Auto | $137 | $181 |
| Liberty Mutual | $159 | $210 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident will likely result in a rate increase that could stay with you for three years following your insurance claim. The amount of the increase depends on your claims history and how bad the damage was. If you file too many at-fault accident claims, there’s also a chance that your insurance company will decline to renew your auto insurance policy.
In Pittsburgh, an at-fault accident pushes the average car insurance rates to $221 per month for full coverage and $114 for liability only. Mile Auto offers the cheapest rates for drivers with an at-fault accident for $69 per month.
The following table shows how an at-fault accident affects minimum coverage quotes from insurers that operate in Pittsburgh.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $50 | $64 |
| Mile Auto | $52 | $69 |
| Erie | $58 | $77 |
| Auto-Owners | $62 | $81 |
| National General | $65 | $84 |
| Plymouth Rock | $65 | $90 |
| Travelers | $76 | $99 |
| GEICO | $78 | $101 |
| Progressive | $79 | $103 |
| Foremost | $81 | $112 |
| Allstate | $88 | $114 |
| Safeco | $93 | $119 |
| Direct Auto | $94 | $125 |
| The General | $94 | $124 |
| Nationwide | $99 | $129 |
| USAA | $102 | $132 |
| Chubb | $118 | $154 |
| Bristol West | $123 | $159 |
| Dairyland | $125 | $160 |
| CSAA | $132 | $177 |
| State Auto | $137 | $194 |
| Liberty Mutual | $159 | $220 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Drivers with a blood-alcohol content of 0.08% or higher are considered intoxicated under Pennsylvania law.[5] A DUI conviction is one of the most serious behind-the-wheel violations you can receive. Many companies will even decline to renew a driver following a DUI.
If you find another insurance company to insure you, it’ll likely be at a significantly higher rate than you paid before — much higher if you ’ve had prior reportable incidents. However, some insurers still offer reasonable rates to drivers with DUIs.
The average cost of car insurance in Pittsburgh after a DUI is $144 per month for liability and $255 for full coverage. State Farm has the cheapest rates for drivers with a DUI at $79 per month.
Below are the Pittsburgh companies with the best monthly liability-only rates for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $50 | $79 |
| Mile Auto | $52 | $82 |
| Erie | $58 | $92 |
| Auto-Owners | $62 | $98 |
| National General | $65 | $103 |
| Plymouth Rock | $65 | $103 |
| Travelers | $76 | $120 |
| GEICO | $78 | $123 |
| Progressive | $79 | $125 |
| Foremost | $81 | $128 |
| Allstate | $88 | $139 |
| Safeco | $93 | $136 |
| Direct Auto | $94 | $149 |
| The General | $94 | $149 |
| Nationwide | $99 | $157 |
| USAA | $102 | $161 |
| Chubb | $118 | $187 |
| Bristol West | $123 | $195 |
| Dairyland | $125 | $198 |
| CSAA | $132 | $187 |
| State Auto | $137 | $217 |
| Liberty Mutual | $159 | $252 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: State Farm
Pittsburgh car insurance companies base insurance rates on many factors, including your age. While young drivers typically have the highest rates, their premiums progressively decline until age 35. But once you reach age 70, you’re likely to see your rates climb again.
One reason seniors pay more after age 70 is that they’re more likely to have health problems that can affect their driving ability. Those issues also make them more prone to being seriously injured or killed in a crash.[6]
On average, car insurance for senior drivers costs $135 per month for full coverage and $76 monthly for minimum coverage. State Farm offers the cheapest rates for seniors in Pittsburgh at $38 per month.
Below are the insurance companies in Pittsburgh that offer the most favorable monthly rates to senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $54 | $39 |
| State Farm | $83 | $38 |
| Erie | $94 | $44 |
| Plymouth Rock | $100 | $49 |
| Auto-Owners | $107 | $48 |
| National General | $115 | $49 |
| Progressive | $117 | $56 |
| Travelers | $126 | $59 |
| GEICO | $128 | $61 |
| CSAA | $130 | $99 |
| Safeco | $131 | $78 |
| Direct Auto | $143 | $72 |
| Allstate | $145 | $70 |
| Nationwide | $154 | $73 |
| Foremost | $161 | $64 |
| USAA | $168 | $80 |
| Liberty Mutual | $176 | $131 |
| Chubb | $179 | $85 |
| Bristol West | $181 | $97 |
| The General | $191 | $75 |
| State Auto | $218 | $101 |
| Dairyland | $229 | $98 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers pay higher car insurance rates than other age groups because they’re less experienced and are more likely to be involved in an accident. However, teens can take several actions to reduce their Pittsburgh car insurance rates:
Stay on your parents’ policy.
Drive a less-expensive car, such as a compact or sedan. Avoid sports and collector/classic cars.
Keep up your grades to qualify for good student discounts.
Install a telematics device that measures your driving behavior — make sure you observe speed limits and avoid hard braking, acceleration, and cornering.
Keep your car at home when you go away to college, especially if the school is in a ZIP code with a higher crime rate and you’d need to park the car in an unsecured lot.
Car insurance for teen drivers averages $154 monthly for liability-only coverage and $273 for full coverage in Pittsburgh. Teens can find the most affordable rates from State Farm for $84 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $182 | $84 |
| Erie | $205 | $95 |
| Auto-Owners | $225 | $102 |
| Plymouth Rock | $236 | $116 |
| GEICO | $254 | $122 |
| CSAA | $271 | $207 |
| Progressive | $283 | $136 |
| Travelers | $289 | $135 |
| Safeco | $295 | $176 |
| National General | $296 | $126 |
| Allstate | $321 | $154 |
| Direct Auto | $333 | $168 |
| USAA | $351 | $167 |
| Foremost | $355 | $141 |
| Liberty Mutual | $358 | $267 |
| Nationwide | $359 | $169 |
| The General | $370 | $146 |
| Bristol West | $377 | $203 |
| Dairyland | $458 | $197 |
| Chubb | $467 | $221 |
| State Auto | $516 | $238 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Pittsburgh car insurance quotes by credit tier
Pennsylvania allows insurance companies to consider your credit history to calculate an insurance score that affects how much you pay for a new policy.[7] Drivers with good credit typically pay lower premiums than drivers with poor credit.
Here’s how credit tiers affect Pittsburgh car insurance rates.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Pittsburgh?
Full-coverage car insurance costs $168 per month in Pittsburgh, which is significantly less expensive than the average cost of insurance in Philadelphia. Philadelphia is located in a larger, more congested metropolitan area, with interstate highways and other busy roads, which might be a key reason for the difference.
More cities in Pennsylvania
Location affects risks like the likelihood of getting into an accident or having your vehicle vandalized or stolen, so car insurance rates can vary greatly from city to city. Here’s how Pittsburgh car insurance rates compare to rates in cities across the state.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Allentown | $183 | $113 |
| Bethlehem | $149 | $88 |
| Harrisburg | $163 | $90 |
| Lancaster | $123 | $80 |
| Philadelphia | $291 | $167 |
| Reading | $190 | $94 |
| York | $151 | $83 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Pittsburgh car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Pittsburgh.
How much is car insurance in Pittsburgh?
Car insurance in Pittsburgh costs $131 per month, on average. Drivers pay $168 per month for full-coverage car insurance and $95 per month for liability coverage. Your unique premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Pittsburgh?
With an Insurify Quality (IQ) Score of 4.4 out of 5 and an A.M. Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Pittsburgh. Other top insurers in Pittsburgh include Mile Auto and Erie.
Which company has the cheapest car insurance rates in Pittsburgh?
State Farm is the cheapest insurer for Pittsburgh drivers, with liability-only rates that start at $50 per month. Mile Auto and Erie, the city's second- and third-cheapest insurers, also offer affordable coverage. Their liability-only policies start at $52 and $58 per month, respectively.
Is Pennsylvania a no-fault state?
Yes. Pennsylvania is a no-fault state, meaning that if you’re in an accident, you must file a claim with your own insurer, regardless of who was at fault.
How do you get cheaper car insurance in Pittsburgh?
You can find cheap car insurance in Pittsburgh by keeping your driving record clean, comparing quotes, applying for multiple discounts, bundling your auto insurance with home or renters insurance, and completing driver education programs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Pennsylvania
Sources
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
- Pennsylvania Department of Insurance. "Insurance Law."
- Nolo. "Pennsylvania No-Fault Car Insurance Requirements."
- National Highway Traffic Safety Administration. "Dangers of Speeding."
- Pennsylvania Department of Transportation - Driver & Vehicle Services. ".08 DUI Legislation."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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