4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Pittsburgh, PA (October 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated August 31, 2022

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.

Quick Facts

  • The average cost of car insurance in Pittsburgh is $144 per month, or $1728 annually.

  • Car insurance in Pittsburgh is $6 less than the average cost of car insurance in Pennsylvania.

  • The cheapest car insurance provider in Pittsburgh on average is Metromile, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$58
State Farm
$69
GEICO
$139
Travelers
$140
Liberty Mutual
$179

See More:

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Cheapest Car Insurance in Pittsburgh, PA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in PittsburghQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$58 /mo
State Farm$69 /mo
GEICO$139 /mo
Travelers$140 /mo
Liberty Mutual$179 /mo

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 company reviews. The following are the top rated companies that offer car insurance in Pittsburgh. For the complete list, see Insurify's best car insurance companies .

Best CompaniesScoreQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
American Family89$169 /mo
Safeco86$138 /mo
Liberty Mutual82$162 /mo
Travelers80$93 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Pennsylvania Cities
Philadelphia$246/mo
Allentown$153/mo
Erie$137/mo
Reading$159/mo
Pittsburgh$144/mo
Pennsylvania$168/mo
Erie
$137
Pittsburgh
$144
Allentown
$153
Reading
$159
Average for PA
$168
Philadelphia
$246

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Pennsylvania

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 be 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[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $5,000 per accident for Medical Benefits

Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
teens$372
20s$221
30s$139
40s$198
50s$178
60s$146
70s$135
80s$181

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.

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$184
Speeding Ticket$230
At-Fault Accident$198
Failure to Stop for Red Light / Stop Sign$211

See More:

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 TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$181
Good$181
Average$182
Poor$212

See More: Bad Credit Car Insurance Pennsylvania

Find local Pittsburgh agents

  • Insurance Consultants Of Pgh

    300 Mount Lebanon Blvd,
    #205A, Pittsburgh, PA 15234-1505
  • McIlrath Insurance Agency

    4601 Clairton Blvd,
    Pittsburgh, PA 15236
  • Howard Hanna Insurance Services Inc

    1000 Gamma Dr,
    Pittsburgh, PA 15238
  • Crawford Insurance Agency

    11743 Frankstown Road,
    Pittsburgh, PA 15235
  • Cusumano Insurance Agency, Inc.

    178 Clairton Blvd ,
    Pittsburgh, PA 15236
  • Thompson Gusic Ins Group Inc

    4067 Greensburg Pike,
    Pittsburgh, PA 15221
  • McGroarty & Bradburn Insurance

    4175 Steubenville Pike,
    Pittsburgh, PA 15205-9644
  • Ifft & Palmer

    625 Stanwix St,
    Pittsburgh, PA 15222-1417
  • Hurst Wiess Ins

    485 Mansfield Ave,
    Pittsburgh, PA 15205-4344
  • Insurance Protection Managers Inc

    1079 Greentree Rd,
    Pittsburgh, PA 15220-3122
View more

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.

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.

FAQs - Pittsburgh, PA Car Insurance

  • 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.

  • 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.

  • 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.

Insurify Insights

How Pittsburgh Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Pittsburgh, Pennsylvania below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Pittsburgh drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Pittsburgh

#64

City with the Most Speeding Tickets Rank in Pennsylvania

#32

City with the Most Moving Violations Rank in Pennsylvania

#41

City with the Most DUIs Rank in Pennsylvania

#33

City with the Most Suspended Licenses in Pennsylvania

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pittsburgh drivers rank 24 in the number of car accidents per driver across all cities in Pennsylvania.

    • Rank within state: #24
    • Percent of drivers in Pittsburgh with an accident: 11%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pittsburgh drivers rank 41 in the number of DUI’s per driver across all cities in Pennsylvania.

    • Rank within state: #41
    • Percent of drivers in Pittsburgh with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Pittsburgh drivers rank 58 in the number of reckless driving offenses per driver.

    • Rank within state: #58
    • Percent of drivers in Pittsburgh with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Pittsburgh drivers rank 56 in rude driving infractions.

    • Rank within state: #56
    • Percent of drivers in Pittsburgh with a reckless driving violation: 1.2%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Pittsburgh drivers rank 64 in the number of speeding infractions per driver.

    • Rank within state: #64
    • Percent of drivers in Pittsburgh with a speeding ticket: 5.7%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pittsburgh drivers rank 54 in clean driving records across all cities in Pennsylvania.

    • Rank within state: #54
    • Percent of drivers in Pittsburgh with clean record: 77.6%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pittsburgh drivers rank 17 in hybrid and electric vehicle ownership across all cities in Pennsylvania.

    • Rank within state: #17
    • Percent of drivers in Pittsburgh with a hybrid/electric vehicle: 1.32%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
Linkedin

Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Learn More

Sources

  1. Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022