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Cheap Auto Insurance Quotes in Pittsburgh, PA (January 2022)
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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.
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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:
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:
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.
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.
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.
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.
|Failure to Stop for Red Light / Stop Sign||$211|
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.
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.
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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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Pittsburgh drivers measure up to their fellow Pennsylvania motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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 8 in the number of car accidents per driver across all cities in Pennsylvania.
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 19 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pittsburgh drivers rank 18 in the number of DUI’s per driver across all cities in Pennsylvania.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Pittsburgh is the Hyundai Elantra.
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 10 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Pittsburgh drivers rank 9 in clean driving records across all cities in Pennsylvania.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Pittsburgh drivers rank 7 in failure to yield violations per driver across all cities in Pennsylvania.
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 4 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Pittsburgh drivers rank 6 in hybrid and electric vehicle ownership across all cities in Pennsylvania.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.