Cheap Auto Insurance Quotes in Pittsburgh, PA (2023)

The average cost of minimum-coverage car insurance in Pittsburgh is $143 per month, which is 34% less than the Pennsylvania state average cost of $217.

Pittsburgh is the second-largest city in Pennsylvania and home to more than 300,000 people.^[1] Car insurance rates in Pittsburgh are in line with the national average car insurance cost of $136, but you have plenty of options for cheap car insurance.

How much does car insurance cost in Pittsburgh?

Car insurance costs can vary widely in Pittsburgh, so it’s important to compare quotes to get the best price for your needs. The cheapest car insurance can vary depending on your location, age, ZIP code, driving record, and vehicle type.^[2]

Insurify’s data scientists analyzed the latest insurance rates in Pittsburgh to help you identify the cheapest quotes in the area.

• Mile Auto has the cheapest liability-only car insurance in Pittsburgh, at $56 per month.

• Mile Auto also has the cheapest full-coverage car insurance in Pittsburgh, at $102 per month.

• Again, Mile Auto has the cheapest car insurance in Pittsburgh for young drivers, at $112 per month.

Learn More: Cheap Car Insurance Quotes in Pennsylvania

Cheapest car insurance in Pittsburgh: Mile Auto

The cheapest insurer in Pittsburgh is Mile Auto. Factors that affect insurance rates include where you live, your driving history, the number of accidents in the specific city or area, your age, and what type of car you drive.^[2]

Mile Auto is a pay-per-mile auto insurance company that uses technology that may help low-mileage drivers get insured quickly and save money. Mile Auto claims that it’s best for anyone who drives fewer than 10,000 miles per year.^[3]

But if you drive more than 10,000 miles in a given year, insurers like Travelers and SafeAuto also provide affordable car insurance in Pittsburgh.

How much car insurance do you need in Pittsburgh?

Car insurance is mandated in most states, and each state has its own minimum requirements for coverage. In Pennsylvania, drivers must carry at least:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

• $5,000 per accident for property damage

You may need to show proof of insurance after an accident or when an officer stops you. Failure to maintain the minimum car insurance requirements could result in a three-month suspension of your vehicle registration.^[4]

Pennsylvania DMV information

Pennsylvania’s Driver and Vehicle Services (PennDOT) provides online services for you to get or renew a driver’s license. You can also visit your local PennDOT office to renew your title and registration. You can find several locations throughout Pittsburgh, but you may want to schedule your appointment in advance to save time.

Tips for getting cheap car insurance in Pittsburgh

To get cheap car insurance in Pittsburgh, see if you can bundle your car insurance with renters or homeowners insurance to receive a discount. Some insurers also provide discounts to safe drivers who don’t have accidents or moving violations on their records.

Dropping comprehensive or collision insurance on an older car can also reduce car insurance rates. If your insurance premium is more than 10 times the value of your car, then optional coverage may not be necessary. Consider reducing your coverage to state minimums if you have an older car.

Also, shop around for quotes from different insurers. Gather at least three different quotes from different insurance companies to compare features and ensure you’re getting the best price for your coverage needs.^[5]

“The insurance market is very competitive, so it makes sense to compare providers at least annually,” says Daniel Roccato, clinical professor of finance at the University of San Diego. “Most consumers set and forget it when it comes to insurance, [which] can be a costly mistake.”

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Pittsburgh

Your age also affects your car insurance rates. Insurers find that mature or older drivers tend to have fewer accidents than younger drivers. Young drivers have less driving experience, and this creates more risk for insurers that they’ll pay a claim.^[2]

As a result, car insurance rates are often higher for people younger than 25 but tend to drop past this age.

Cheapest car insurance for young drivers in Pittsburgh

Mile Auto has the cheapest car insurance for young drivers in Pittsburgh. If you’re a student with good grades, your insurer may provide you with a discount.^[5] Below are the average monthly rates of full-coverage car insurance for young drivers in Pittsburgh.

Cheapest car insurance for middle-aged drivers in Pittsburgh

Mile Auto has the cheapest car insurance for middle-aged drivers in Pittsburgh, at an average of $66 a month. If you’re older than 29 but younger than 60, you may be able to reduce your car insurance costs if you maintain a good credit score and a clean driving record, bundle your home and auto insurance, and insure multiple cars on one policy.^[5] Below are the average monthly rates of full-coverage car insurance for middle-aged drivers in Pittsburgh.

Cheapest car insurance for senior drivers in Pittsburgh

Mile Auto has the cheapest car insurance for senior drivers in Pittsburgh, at an average of $53 a month. To lower your car insurance rates, see if your insurer offers a discount for bundling car insurance with renters or homeowners insurance. Below are the average monthly rates of full-coverage car insurance for middle-aged drivers in Pittsburgh.

How credit scores affect cheap car insurance in Pittsburgh

Insurers also factor in your credit score when determining your car insurance rate. Lenders and creditors use your credit score to determine how well you manage your debts and credit lines, as it shows your history of on-time and late payments. A very good score ranges from 740 to 799, according to Equifax.

Insurers also look at your insurance credit score, which determines the likelihood that you’ll file a claim in the future.^[2] Typically, the lower your credit score, the higher your rate. Some states restrict insurers from factoring credit into car insurance rates, but Pennsylvania is not one of them.^[6]

The table below shows the average monthly quote for full-coverage car insurance based on your credit score.

Read On: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Pittsburgh

Your driving history is also an important factor that affects your car insurance rates. Good drivers without accidents or tickets on their records tend to pay less for car insurance premiums than drivers with bad records.^[2]

Accidents typically stay on your record for up to three years, and a DUI could not only raise your premiums but also make it harder for you to get coverage from certain insurance companies.^[7]

The tables in the sections below provide some insight into how different driving infractions can affect car insurance rates in Pittsburgh. Keep in mind when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction. More likely, it means the sample size was small. This can be because insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in Pittsburgh: Nationwide

If you have an accident on your driving record, it can be more difficult to find the cheapest rates than if you had a clean record.^[7] However, Nationwide provides the cheapest car insurance quotes for drivers with accidents on their records in Pittsburgh, at an average of $80 a month. Shop around with multiple companies to find a quote that meets your coverage needs and budget after an at-fault accident.

Cheapest car insurance with a speeding ticket in Pittsburgh: Clearcover

Like having an accident on your record, getting a speeding ticket can also increase your car insurance premiums.^[2] When shopping for car insurance in Pittsburgh after a speeding ticket, consider companies like Clearcover, Safeco, and SafeAuto, as they have the cheapest quotes for people with tickets. Clearcover offers the cheapest quotes, at $121 a month on average.

Car insurance in other Pennsylvania cities

Insurance rates can vary widely among locations, even within a state. Check out car insurance rates in some other Pennsylvania cities.

• Cheapest Car Insurance Quotes in Philadelphia, PA

• Cheapest Car Insurance Quotes in Easton, PA

• Cheapest Car Insurance Quotes in Harrisburg, PA

• Cheapest Car Insurance Quotes in Erie, PA

• Cheapest Car Insurance Quotes in Bethlehem, PA

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