Pittsburghers, who live on snowy roads and icy roads during winter, understand how important it is for them to have good car insurance. Allegheny County had almost 10% of Pennsylvania’s total traffic crashes in 2019.
Everyone wants the lowest car insurance in Pittsburgh. For minimum coverage, the average rate is $448 per year and for comprehensive coverage, it’s $1,504 per annum. We searched for the best rates and customer service and created a list to help you choose the right insurance company.
Pittsburgh’s best car insurance companies
According to our research, Auto-Owners is the best provider of car insurance in Pittsburgh. These companies offer the best coverage options and lowest prices.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| Auto-Owners | 890/1,000 | $257 | $1,026 |
| Geico | 871/1,000 | $246 | $839 |
| State Farm | 881/1,000 | $332 | $1,149 |
| USAA | 890/1,000 | $328 | $1,203 |
Auto-Owners
J.D. has Auto-Owners Insurance at the top of its class. Power’s Customer Satisfaction Survey reveals that Auto-Owners Insurance has one of the highest rankings on J.D. Auto-Owner rates are lower than the Pittsburgh averages at $257/year for minimum coverage and $1.026/year for full coverage.
Auto-Owners provides essential and optional coverages. This includes roadside service and loan gap insurance. The company promises to waive your collision deductible if you are involved in an accident with another insured vehicle. There are many discounts, including multipolicy, paid-in full, and safety features discounts.
Geico
Geico provided us with some of the most affordable car insurance quotes in Pittsburgh. We were offered $246 per year on an average for minimum coverage, and $839 for full coverage. J.D. scored Geico lower than Geico, but it did score well. Although Power’s national customer satisfaction rankings for auto customers are not as high as those of our other options, Geico is rated above average in the company’s Mid-Atlantic regional ranking.
Geico offers some of the most attractive discounts among all the insurers that we reviewed. Many of these are easy to get. For example, if you have multiple vehicles covered by the company, you could save 25% on your premiums for each. Deployed military personnel can get 25% and an airbag could save you 23%.
State Farm
State Farm holds 16% of the U.S. market share and is the biggest writer of insurance policies. The company places high importance on customer service and will handle your claim quickly and efficiently. It boasts one of the most user-friendly websites, making it easy to access your account online.
Although State Farm’s average prices rank high among our top choices for car insurance, they still fall below the average Pittsburgh car insurance quote. Easy-to-earn discount is available for good drivers, students, and those who aren’t in an accident.
USAA
USAA is a great company for Pittsburgh drivers who have served in the military, are veterans, or are close family members of one. USAA is a specialist in serving military personnel and their families. It also offers solid coverage and nice extras.
USAA’s discounts are designed to meet the military’s needs. You can get up to 60% off your premium if deployed. You may get 15% off comprehensive coverage if your car is stored on base. This applies to customers who are loyal and have good driving habits.
Pittsburgh has the lowest car insurance
Pittsburghers pay on average $448 per year for minimum coverage, and $1,504 per year for full coverage. This is comparable to which is the annual average for all Pennsylvania drivers at $427 and $1.476, respectively.
These are however on the lower side compared to the median across America of $565 and $1674.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Geico | $246 | $839 |
| Auto-Owners | $257 | $1,026 |
| All over the country | $262 | $1,020 |
| USAA | $328 | $1,203 |
| State Farm | $332 | $1,149 |
The insurer will determine the average premium cost. The cost of cheap car insurance in Pittsburgh can range from $246 per year at Geico for minimal coverage to $1,149 per year for full coverage at State Farm.
Geico is the only company in our list that scored below the industry average with J.D. Power. USAA is the only company that sells policies to military personnel. Nationwide offers only a safe driving option via telematics to business owners. State Farm excels with their state-of the-art website and excellent blog.
Insurance requirements for Pittsburgh
Nearly every state has minimum requirements for auto insurance in order to be able to drive legally. The minimum coverage is in PA.
- $15,000 bodily injury liability (BI) — This is the maximum amount your insurer will pay to cover a single victim’s injuries from an at-fault accident.
- $30,000 total BI Liability — This is the maximum amount your insurer will pay for injuries to more than one person in an at-fault collision.
- $5,000 property damage liability — This is the maximum amount your insurer will pay for damage to other cars or structures caused by an accident at fault.
- $5,000 in medical benefits — This pays for your medical bills and those of others in your car.
You may be required to have collision and comprehensive coverage if you lease a car or take out a loan. Insurance experts recommend that you have more coverage than is necessary, especially for liability.
For example, consider the fact that a brand new car in the U.S. can cost more than $40,000. You might have to pay thousands of dollars out-of-pocket if the other driver totals your car if you only have the minimum property damage liability.
Pittsburgh car insurance discount
Many insurance companies offer discounts to help customers save money. These are the most common discounts for Pittsburgh drivers.
- Accident-free discount: You may be eligible for a discount if you travel for a certain time without having an accident, often three to five years. This discount can increase over time.
- Safe driving discount: Insurers now offer discounts if you agree that a small device be installed in your car to monitor your speed, braking, and other factors to help you drive safely.
- Discounts for students: Many discounts are available for teens and young adults who have a high GPA. Students who are members of the honor roll or on the dean’s List may be eligible for discounts from some insurers.
- Multi-line or multi-car discounts. If you have multiple policies with the same company (either for multiple cars, or bundling your homeowner’s or renter’s insurance), you might be eligible to receive a discount.
- Anti-theft discount for Pittsburgh drivers: Pittsburghers may be eligible to receive a discount if the anti-theft device makes your car’s fuel, ignition, or starting system inoperable when it is not being used.
Questions frequently asked
Which is the best auto insurance company?
Each driver will have a different experience with the best car insurer company. Every premium is unique because of factors such as the age and condition of your car, your marital status, and the coverage options you have.
What is the cost of car insurance in Pittsburgh?
A car insurance policy in Pittsburgh costs $448 per annum for PA minimum coverage, and $1,504 for full coverage. If you can take advantage of common discounts offered to insurers, your policy could be less expensive.
What amount of car insurance do you need in Pittsburgh?
Pennsylvania law requires that you have minimum liability coverage of $15/30/5 and $5K for med pay. You can choose to increase or exclude any minimum coverage, as well as optional coverages like collision and comprehensive, for an additional fee.
