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.
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.
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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Cheapest recent rates near Pittsburgh, Pennsylvania
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $72/mo for full coverage in Pittsburgh and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Pittsburgh, Pennsylvania within the last 10 days. Last updated on April 24, 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 April 24, 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 April 24, 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 April 24, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Pittsburgh pay more for auto insurance than residents of smaller Pennsylvania cities like Lancaster, perhaps because Pittsburgh’s large population of college students makes it a riskier place to drive. But even though Pittsburgh is the second-largest city in Pennsylvania, its drivers pay less for coverage than the statewide average of $143.
Pittsburgh drivers pay $210 per month for full coverage and $94 per month for liability-only coverage. But you can still find cheap car insurance from State Farm, Mile Auto, and Erie Insurance.
Quick Facts
Pittsburgh drivers pay nearly 37% more for car insurance than the national average.
Insurers in Pennsylvania can consider your credit score when setting your premium.
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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$103
$55
Cheap rates
Mile Auto
3.5
$72
$53
Infrequent drivers
Erie Insurance
4.4
$119
$64
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$59/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.
$107/mo
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.
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.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).
NR
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.
$57/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.
$77/mo
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.
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)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$69/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.
$124/mo
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.
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:
Cheapest liability-only car insurance in Pittsburgh: Mile Auto
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. On average Pittsburgh drivers pay $94 per month for liability insurance. Mile Auto offers the cheapest rate at $57 per month.
Here are the cheapest insurers for liability-only car insurance in Pittsburgh.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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’re financing 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 $210 per month for full coverage and Mile Auto offers the cheapest full-coverage rates.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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.
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
$15,000 for death or injury of one person per accident
$30,000 for death or injury of two or more people
Property damage liability
$5,000
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. On average, drivers with a speeding ticket pay $116 for liability insurance, but State Farm offers the cheapest rate for $69 per month.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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, State Farm offers the cheapest rates for drivers with an at-fault accident for $75 per month.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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. State Farm has the cheapest rates for drivers with a DUI at $91 per month.
Below are the Pittsburgh companies with the best monthly rates for drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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.
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]
Mile Auto offers the cheapest rates for seniors in Pittsburgh at $41 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: Wednesday, April 17 at 12:00 PM PDT.
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.
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
Teenagerspay 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.
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.
Teens can find the most affordable rates from State Farm for $96 per month.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
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 $210 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
The widest disparity between Pittsburgh auto policy rates and rates in other Pennsylvania cities is with Bethlehem and York.
Here’s how Pittsburgh car insurance rates compare to rates in cities across the state.
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 $152 per month, on average. Drivers pay $210 per month for full-coverage car insurance and $94 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.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.
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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