120+ more*Quotes generated for Insurify users in and around Pittsburgh, Pennsylvania within the last 10 days. Last updated on April 28, 2026. 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 April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average cost of car insurance in Pittsburgh is $117 per month. State-minimum liability coverage averages $82 per month, and full coverage costs an average of $152 per month.
Rates in Pittsburgh are typically lower than in Philadelphia, which is the most populous city in Pennsylvania.[1] A larger population usually leads to more traffic congestion and accidents, increasing car insurance premiums.
Smaller and more rural towns like Chambersburg have slightly lower premiums. Fewer people on the road decreases the chances of an accident and reduces insurance rates.
Find coverage in the Steel City, starting at $48 per month
State Farm, National General, and Erie are the cheapest car insurance companies in Pittsburgh. State Farm’s rates average $48 per month.
Pennsylvania requires drivers to have minimum coverage limits of 15/30/5 as well as $5,000 in medical benefits.[2]
The table below shows the cheapest liability car insurance rates in Pittsburgh, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| National General | $53 |
| Erie | $56 |
| The General | $56 |
| First Acceptance | $57 |
| Auto-Owners | $60 |
| Travelers | $73 |
| GEICO | $75 |
| Safeco | $77 |
| Direct Auto | $81 |
| Allstate | $84 |
| Bristol West | $89 |
| Root | $94 |
| Nationwide | $95 |
| USAA | $97 |
| Dairyland | $102 |
| Chubb | $113 |
| Liberty Mutual | $117 |
| GAINSCO | $118 |
| State Auto | $131 |
| CSAA | $147 |
Full-coverage car insurance in Pittsburgh includes collision and comprehensive coverage, in addition to higher liability limits. Full coverage in the city costs an average of $152 per month.
Pittsburgh’s full-coverage rates are typically cheaper than those in many other cities in the state, including Philadelphia and Chester. But the city’s rates are usually higher than those in some smaller towns in Western Pennsylvania, such as Altoona.
Pennsylvania drivers have a high risk of colliding with large animals, especially during rutting season from October to December.[3]
The following table shows the cheapest rates for full-coverage car insurance in Pittsburgh, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| Erie | $90 |
| Auto-Owners | $97 |
| National General | $112 |
| Safeco | $117 |
| Travelers | $117 |
| Progressive | $118 |
| GEICO | $121 |
| Liberty Mutual | $131 |
| First Acceptance | $134 |
| Allstate | $136 |
| Root | $144 |
| Nationwide | $154 |
| Direct Auto | $156 |
| Bristol West | $158 |
| USAA | $158 |
| CSAA | $169 |
| Chubb | $182 |
| GAINSCO | $212 |
| State Auto | $212 |
| Dairyland | $239 |
| The General | $271 |
Pittsburgh doesn’t have the cheapest insurance in Pennsylvania, but rates are typically more affordable than in other cities. Philadelphia and Allentown have higher population densities, which can lead to more cars on the road and higher insurance rates.
Compared to the state average, Pittsburgh has slightly higher full-coverage auto insurance rates. But the city’s liability rates are slightly lower than the state average.
The following table highlights the average monthly quotes for different cities in Pennsylvania, based on Insurify data.
City | Average Monthly Quote |
|---|---|
| Allentown | $139 |
| Bethlehem | $114 |
| Erie | $116 |
| Harrisburg | $119 |
| Lancaster | $108 |
| Philadelphia | $213 |
| Pittsburgh | $117 |
| Reading | $127 |
| Scranton | $126 |
| State College | $99 |
| Wilkes-Barre | $111 |
| York | $110 |
*Quotes generated for Insurify users in and around Pittsburgh, Pennsylvania within the last 10 days. Last updated on April 28, 2026. 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 April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the main factors insurers consider when calculating your rates. A clean driving record typically results in lower rates. But a history of speeding tickets, at-fault accidents, or a driving under the influence (DUI) conviction can increase rates.
Here are some of the cheapest auto insurance companies in Pittsburgh for drivers with different driving records, according to Insurify data.
Cheapest car insurance for Pittsburgh drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Pittsburgh: State Farm
Cheapest car insurance for Pittsburgh drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Pittsburgh: State Farm
In Pittsburgh, 2% of drivers have a speeding ticket, 6% have caused an accident, and 1% have a DUI, according to Insurify data.
Allegheny County often offers an accelerated rehabilitative disposition (ARD) after a first-time DUI. With the ARD, you’d receive a 30-to-180-day license suspension. If you complete all court-ordered treatment programs and pay your fines, you can have your license restored.[4]
The table below shows the average monthly quotes for drivers with different driving records in Pittsburgh, based on Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $117 |
| Speeding ticket | $137 |
| At-fault accident | $145 |
| DUI | $188 |
Pittsburgh drivers experience treacherous winter roads covered with snow and black ice. These conditions make Pittsburgh’s hills and steep streets, like those in neighborhoods like Beechview, even more difficult to navigate. Winter roads, combined with the rutting season, might help explain why the most crashes occur between October and January.
The Pennsylvania Department of Transportation (PennDOT) is responsible for clearing winter roads. But its goal is to keep the roads passable, not to completely clear them of snow and ice. The department focuses on clearing well-traveled routes, like interstates and expressways. If you live in a rural area, you’ll likely receive less attention from the plows.[5]
Overall, Pittsburgh has had a steady decline in the number of crashes over the last few years, according to PennDOT.[6]
You should also never drive in Pittsburgh without proof of insurance. Fines for driving without insurance start at $300. You can also have your license and vehicle registration suspended for three months.[7] Around 11% of Pennsylvania drivers don’t have car insurance, according to the Insurance Information Institute.[8]
Pittsburgh has introduced the “Neighborhood Traffic Calming Project,” which aims to slow drivers and increase safety on neighborhood streets.[9] The program has reduced speeds on streets like Edgebrook Avenue and Meadows Street with various installations, including speed cushions and humps.[10]
High speeds increase the likelihood of severe crashes, so slower traffic on neighborhood roads should help reduce the number of accidents. Fewer crashes in an area can help lower car insurance rates.
Vehicle crashes are the leading cause of death among 16- to 24-year-olds, according to PennDOT.[11] To help reduce crashes, the department requires young drivers to hold a graduated driver’s license (GDL). Pittsburgh teens can get a GDL at age 16. With a GDL, teens have limits on nighttime driving and the number of passengers they can have in the vehicle.
Pittsburgh teens pay an average of $205 per month for car insurance.
The table below highlights the cheapest rates for teenage drivers in Pittsburgh, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $92 |
| The General | $99 |
| First Acceptance | $100 |
| Erie | $102 |
| National General | $104 |
| Auto-Owners | $120 |
| GEICO | $133 |
| Travelers | $150 |
| Safeco | $154 |
| Direct Auto | $155 |
| Bristol West | $155 |
| Root | $160 |
| Allstate | $164 |
| Dairyland | $174 |
| USAA | $176 |
| Nationwide | $182 |
| Liberty Mutual | $201 |
| GAINSCO | $208 |
| Chubb | $229 |
| CSAA | $269 |
| State Auto | $314 |
In Pittsburgh, seniors 65 years and older make up 18% of the population.[12] Older Pennsylvania drivers are the most likely to be involved in an intersection crash compared to other age groups, according to PennDOT.[13]
Senior drivers in Pittsburgh pay an average of $101 per month for car insurance.
The table below shows the lowest rates for senior drivers in Pittsburgh, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| National General | $42 |
| Erie | $43 |
| Auto-Owners | $47 |
| The General | $48 |
| First Acceptance | $49 |
| Travelers | $58 |
| GEICO | $60 |
| Direct Auto | $66 |
| Safeco | $67 |
| Allstate | $68 |
| Nationwide | $73 |
| Bristol West | $74 |
| Root | $79 |
| USAA | $79 |
| Chubb | $85 |
| Dairyland | $87 |
| Liberty Mutual | $97 |
| State Auto | $99 |
| GAINSCO | $101 |
| CSAA | $115 |
Find the best price in Pittsburgh for your auto coverage
Check out the following answers to some common questions about auto insurance coverage in Pittsburgh.
Car insurance in Pittsburgh costs an average of $117 per month, according to Insurify data. Liability-only coverage averages $82 per month, and full coverage averages $152.
State Farm is the cheapest car insurance company in Pittsburgh, according to Insurify data. The company’s rates average $48 per month. But your rates can vary depending on many factors, such as your driving record and ZIP code.
As in the rest of Pennsylvania, Pittsburgh requires drivers to have 15/30/5 minimum-liability coverage. You need at least $15,000 per person and $30,000 per accident of bodily injury liability, and $5,000 per accident of property damage liability. You must also have at least $5,000 in medical benefits coverage, which pays for your and your passengers’ injuries.
The easiest way to find car insurance discounts in Pittsburgh is to ask your car insurance company about ways to save on coverage. Common discounts include bundling, safe driver, multi-vehicle, good student, and anti-theft discounts. Comparing rates from multiple insurers can also help you find the lowest price for your coverage.
Comparing quotes from different insurers is one of the easiest ways to lower your car insurance rates in Pittsburgh. Maintaining a clean driving record, raising your deductible, and completing a defensive driving course can also help you reduce your car insurance rates.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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