Pittsburgh Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Pennsylvania has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Pittsburgh typically pay around $124.86 per month compared to the national average of $146.44 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Pittsburgh, PA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Pittsburgh coming in around $67.43 per month. Other companies to consider if you live in Pittsburgh is National General with an average cost of $90.79 per month and State Farm which typically runs around $94.42 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Pittsburgh.

How Much is Car Insurance in Pittsburgh, PA?

Rates can vary from city to city. The residents of Allentown typically pay $132.95 per month while people who live in Bethlehem will pay $126.65 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Cheap Car Insurance in Pittsburgh by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Pennsylvania. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Pittsburgh

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $263.21 per month in Pittsburgh. Compare that to drivers in their 30’s who typically pay around $115.38 per month drivers in their 40s at $102.96 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Pittsburgh

If you are teen in Pittsburgh you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $63.93 per month. This is likely the most affordable option in Pittsburgh. You might also want to consider Verti Insurance and Safeco who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Pittsburgh

20 year-olds in Pittsburgh might want to consider Clearcover who, on average, offers car insurance rates around $55.44 per month. Verti Insurance , State Farm , Penn National and Erie are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Pittsburgh

If you are in your 30s in Pittsburgh our research has found that Penn National typically has the most affordable coverage coming in around $81.45 per month, followed by State Farm at $84.24 and Clearcover at $87.19.

Cheapest Insurance for 40 Year-olds in Pittsburgh

On average, Clearcover offers car insurance for 40 year-olds in Pittsburgh for around $57.25 per month. If you are looking for affordable coverage, you may also want to consider National General or Penn National. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Pittsburgh

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Pittsburgh we found that National General generally offers the most affordable coverage at $45.40 per month.

Cheapest Insurance for 60 Year-olds in Pittsburgh

If you live in Pittsburgh and you’re in your 60s, our data indicates that Penn National usually has the best rates at $61.10 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Pittsburgh, PA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Pittsburgh, the average monthly rate for a driver who is currently insured is $106.29 while drivers who are not currently covered will pay around $146.52.

Compare Recent Car Insurance Quotes in Pittsburgh

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Pittsburgh a driver of a 2017 Toyota Prius can expect to pay around $387.85 per month while someone that owns a 2012 Toyota 4runner may pay around $147.44 per month. Check out the list of recent quotes in Pittsburgh below.

FAQ's for Drivers in Pittsburgh, PA

What Is the Minimum Amount of Liability Coverage Requirement in Pittsburgh?

According to the Pennsylvania Insurance Department, Pittsburgh drivers must buy and maintain their car insurance in order to drive within the state. The law calls this maintaining financial responsibility on your vehicles. Any lapse in insurance can result in a suspension of your driving privileges for three months.

The minimum amounts of insurance required for vehicles in Pittsburgh are:

• $15,000 bodily injury per person

• $30,000 bodily injury for all persons

• $5,000 property damage liability

• $15,000/$30,000 uninsured/underinsured motorist insurance

• $5,000 medical benefits

Unfortunately, the minimum coverage amount may not provide you with enough coverage if you get into an accident with another vehicle. You find better coverage at more affordable rates through SmartFinancial. Just enter your zip code, and we’ll provide you with premiums from local insurance agents within your area.

What Is the Blood Alcohol Concentration (BAC) Limit in Pittsburgh?

According to Pennsylvania’s Department of Transportation (PennDOT), alcohol can affect drivers in different ways. It depends on several factors, including a driver’s gender, weight, alcohol consumption and the foods they’ve eaten. 

In Pennsylvania, it’s illegal for drivers to operate vehicles with the following Blood Alcohol Concentration limits:

• .08 percent BAC (drivers 21 years and older)

• .04 percent BAC (commercial drivers)

• .02 percent BAC under the Zero-Tolerance Law (minors under 21 years old).

Are you a Pittsburgh driver that has a DUI on your record? We understand that one conviction can raise your rates substantially. You can use SmartFinancial to search for more affordable insurance coverage. To find a local insurer within your area, use our form below.

Can I Register My Car Without Insurance in Pittsburgh?

No. Pennsylvania requires all drivers to show proof of financial responsibility (insurance) when they initially register their vehicles. Documentation must include the insurance company’s name and policy number. It should also include the effective date and expiration date of the coverage.

Acceptable forms of insurance include:

• An Insurance Identification Card

• A declaration page of insurance policy

• An application for insurance to the Pennsylvania Assigned Risk Plan signed by a licensed insurance agent or broker

• A copy of a certificate of self-insurance issued by PennDOT

• A valid binder of insurance issued by an insurer to sell motor vehicle liability insurance within the state

• A copy of a letter from an insurance carrier that verifies proof of financial responsibility of the insured on an insurance company’s letterhead and signed by a licensed agent.

What happens if I don’t have insurance or my coverage lapses?

Since liability insurance is a minimum requirement in your state (and most others), there are penalties for being caught driving without it. The fines are as high as $300 and you risk registration suspension, license suspension, and an impounded car. Don’t take the chance!