Cheap Auto Insurance Quotes in Pittsburgh, PA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Pittsburgh is a thriving city that is somewhat walkable and has good public transportation. While you don’t necessarily need a car to get around, more than half of Pittsburgh workers rely on their cars to commute. If you’re a Pittsburgh driver, you’ll need a car insurance policy to keep you safe and legal on the road.

Car Insurance in Pittsburgh, PA

The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Pittsburgh, PA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Pittsburgh, PA

Here are the cheapest carriers in Pittsburgh for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Pittsburgh, PA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Pittsburgh. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Pittsburgh, PA Driving Facts

Minimum Car Insurance Requirements in PA

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.

  • $5,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $5,000/accident for Medical Benefits (PIP)

The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.

Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.

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Pittsburgh Car Insurance Rates by Driver Age

Car insurance rates almost always vary based on your age, but in Pittsburgh, prices fluctuate more than in other cities. Drivers under the age of 20 pay $371 and get to enjoy a discount once they turn 20, often saving about $150. Instead of prices continuing to decline for decades, they take a small uptick in one’s 40s. Like many other places, Pittsburgh motorists in their 70s enjoy the lowest rates at $134.

Driver's AgeAvg. Monthly Cost
teens$372
20s$221
30s$139
40s$198
50s$178
60s$146
70s$135
80s$181
Driving HistoryAvg. Monthly Cost
No Violation$184
Speeding Ticket$230
At-Fault Accident$198
Failure to Stop for Red Light / Stop Sign$211

Pittsburgh Car Insurance Rates by Driving and Accident History

It’s never a good idea to drive recklessly, and if you do so in Pittsburgh, you’ll certainly see your car insurance rates increase. Those with a clean driving record pay an average of $183 and find that being involved in an at-fault accident raises these rates by $14. If you receive a speeding ticket, you can expect to pay $229, while failing to stop at an intersection is punished slightly less severely, with a rate of around $210.

Pittsburgh Car Insurance Rates by Credit Tier

Drivers in Pittsburgh enjoy some savings based on their credit score, although there isn’t much of a difference once you progress beyond the lowest tier. Individuals with poor credit are often charged around $211, while those with average, good, and excellent credit ratings see their premiums in the $180 range.

Credit TieAvg. Monthly Cost
Excellent$181
Good$181
Average$182
Poor$212

Pittsburgh, PA DMV Information

The average household in Pittsburgh has just one car, which is lower than the national average. When drivers need services, the Pennsylvania DMV has many online services available, and the Pittsburgh Driver’s License Center can accommodate other needs. When it comes time to renew your registration online, you’ll need proof of insurance. Luckily, it’s easy to compare quotes and get a policy online in minutes with Insurify.

Public Transportation in Pittsburgh, PA

The Port Authority of Allegheny County provides bus, light-rail, paratransit, and incline services to about 230,000 commuters daily. Nearly 19 percent of workers use the service to get to work. Uber, Lyft, and traditional taxi services operate in the city as well, but these can be expensive ways to get around. About 55 percent of workers drive to work, commuting an average of 22 minutes, and another 10 percent get to work on foot.

Conclusion: How to get the best and cheapest car insurance in Pittsburgh, PA

Car insurance in Pittsburgh costs an average of $144 per month, but you may be able to get a lower rate if you compare customized quotes from multiple insurers. Some insurance providers are able to offer rates as low as $58 per month to drivers with a clean record.

About 7.6 percent of drivers in Pennsylvania lack insurance, according to the Insurance Information Institute. They face steep fines and consequences if they’re caught by law enforcement or get in an accident. No one likes paying for insurance, but having an auto insurance policy is essential to driving in Pittsburgh. Luckily, it’s easy to find affordable coverage that meets your needs with Insurify. You’ll just need to enter your information one time, and our artificial intelligence technology will show you the best deal.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Pittsburgh stacks up for the state of Pennsylvania:

honda
Honda Civic
Most Popular Car in
Pittsburgh, PA
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

FAQs - Pittsburgh, PA Car Insurance

Is Pennsylvania an at-fault state?

No. Pennsylvania is a no-fault state. That means that in the event of a collision, each party is responsible for their own medical bills. When you get in an accident, regardless of who caused it, you’ll submit an injury claim with your insurance company. However, you can elect to purchase full tort coverage, which is more expensive, if you want unlimited rights to pursue compensation for damages and medical bills.

What are the minimum requirements for car insurance in Pennsylvania?

Pennsylvania requires some additional types of coverage that other states don’t. The minimum requirements are: $15,000 per person and $30,000 per accident in bodily injury liability coverage $5,000 in property damage liability coverage $15,000 per person and $30,000 per accident in uninsured motorist coverage $15,000 per person and $30,000 per accident in underinsured motorist coverage $5,000 in first-party benefits You may also elect to get an all-purpose policy if the minimum total coverage amount is $35,000.

What is the penalty for driving uninsured in Pittsburgh?

If you’re caught driving without insurance in Pennsylvania, you’ll face a minimum fine of $300. You could also have your license and registration suspended for three months and pay reinstatement fees.