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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Pittsburgh drivers pay an average of $130 per month for car insurance — slightly lower than the statewide average, according to Compare.com data. The city’s high population and high crash rates may be why rates trend higher than in some of the state’s smaller cities.[1]
Even so, some companies offer much better deals than the citywide average. State Farm, Mile Auto, and Erie have the most affordable coverage options, with rates starting as low as $53 per month.
Here’s the scoop on the best insurers in Pittsburgh for different drivers, how to pick the right company for your needs, and strategies for saving even more money.
State Farm has the cheapest average car insurance in Pittsburgh, at $53 per month.
Pittsburgh drivers typically pay $97 per month for basic liability coverage and $163 for full coverage.
Pennsylvania requires drivers to have at least 15/30/5/5 in minimum-liability insurance, which includes bodily injury, property damage, and medical benefits coverage.
Regardless of average rates, you can still save on your premiums. Several car insurance companies offer rates below the citywide average, leaving you with extra cash for your next night out at Primanti Bros.
The insurers below are Pittsburgh’s cheapest car insurance options, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $53 |
| Mile Auto | $55 |
| Erie | $62 |
| Auto-Owners | $66 |
| National General | $68 |
| Travelers | $80 |
| GEICO | $82 |
| Progressive | $83 |
| The General | $92 |
| Allstate | $93 |
| Direct Auto | $94 |
| Root | $98 |
| Safeco | $100 |
| Foremost | $103 |
| Nationwide | $106 |
| USAA | $108 |
| CSAA | $120 |
| Bristol West | $122 |
| Dairyland | $124 |
| Chubb | $125 |
| State Auto | $146 |
| Liberty Mutual | $177 |
State Farm has the cheapest coverage in Pittsburgh, at just $53 per month, on average.
Next, let’s look at which companies offer the lowest rates based on different driving records, ages, and coverage types — because your neighbor’s great deal might not be your best option to save money on car insurance.
Compare personalized quotes from Pittsburgh’s top insurers.
The companies above are a great place to start your search for car insurance, but your personal rate will vary because of factors like your ZIP code, driving history, and age.
The table below highlights which Pittsburgh insurance companies have the cheapest average monthly premium for different driver types and coverage levels, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $53 |
| Full coverage | Mile Auto | $76 |
| Teens | State Farm | $96 |
| Seniors | State Farm | $41 |
| Drivers with a speeding ticket | State Farm | $62 |
| Drivers with an at-fault accident | State Farm | $66 |
| Drivers with a DUI | State Farm | $81 |
| Drivers with excellent credit | Mile Auto | $45 |
| Drivers with poor credit | Mile Auto | $64 |
Keep reading for a breakdown of each category to help you find the right match for your situation.
Pittsburgh drivers pay an average of $97 per month for state-minimum coverage, according to Compare.com data. That’s the bare-bones coverage you need to legally drive in Pennsylvania. But the minimum might not be enough.
Most insurance experts suggest buying higher liability insurance policy limits to protect your assets if you cause a serious accident — especially once winter weather conditions turn steep streets into slick, icy hills.
But if you need basic coverage to keep costs down, these five companies offer the lowest prices for state-minimum policies in Pittsburgh, according to our data.
Full coverage increases vehicle protection for Pittsburgh drivers. In addition to liability insurance, it includes comprehensive coverage for incidents like theft, vandalism, or falling objects (such as tree branches). It also includes collision coverage, which pays for accidents involving other vehicles or objects.
But if you’re financing or leasing your car, you won’t have a choice. Lenders require full coverage to protect their stake in your car.[2]
The average full-coverage policy in Pittsburgh costs about $163 per month, according to our data, but several companies offer it at a price closer to what you might pay for liability coverage alone.
Here are the five cheapest companies for full coverage in Pittsburgh.
Teen drivers in Pittsburgh face some hefty insurance rates — higher than any other age group. In fact, teenagers have crash rates nearly four times higher than drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[3] They also might overlook hazards that experienced drivers spot right away.
The average Pittsburgh teen pays $228 per month, according to our data.
Fortunately, some companies offer more affordable policies for young drivers. Here are five of the cheapest insurance companies for Pittsburgh teens, according to Compare.com data.
Seasoned Pittsburgh drivers can benefit from their decades behind the wheel. Seniors get some of the lowest car insurance rates in the city, averaging just $106 per month. Insurance companies reward older drivers because they typically avoid rush-hour traffic, drive fewer miles, and have years of experience navigating the city’s roads.
Still, seniors can often find even better deals by shopping around. The five companies in the chart below offer Pittsburgh’s most affordable rates for seniors, according to Compare.com data.
If an officer catches you speeding down the Boulevard of the Allies, your speeding ticket comes with a fine and a higher insurance bill when your policy renews. Insurers consider speeders high risk, and our research shows that even a single ticket increases average rates by 29% nationwide.
In Pittsburgh, drivers with a recent ticket pay an average cost of $151 per month. But some companies offer lower rates.
The chart below highlights five of the cheapest rates for Pittsburgh drivers with a recent ticket, according to Compare.com data.
A car accident on Fort Pitt Bridge can leave a lasting mark long after car repairs are done. Your car insurance premiums can soar if you cause an accident, with an average rate jump of 33% nationwide after one at-fault mishap.
If you have a recent accident in Pittsburgh, the average car insurance cost is $163 per month, according to Compare.com data. But you might be able to find a better deal with one of the five insurance companies in the chart below.
Getting a DUI causes the sharpest increase in car insurance rates. Insurance companies view DUI convictions as a red flag and charge you accordingly. Our research shows premiums skyrocket by 58% nationwide after a conviction.
If you have a DUI, you can expect an average premium of $189 per month in Pittsburgh, according to Compare.com data.
But you may not be stuck with sky-high rates. The five companies in the chart below offer the cheapest rates for Pittsburgh drivers with a DUI, according to Compare.com data.
Credit history follows you everywhere — even when it comes to your car insurance. Some insurers consider your credit when calculating your rates. Instead of your FICO score, companies use your credit-based insurance score to see how well you manage debt.[4]
Our data shows that drivers with poor credit typically pay 38% more for coverage than drivers with excellent credit, which adds up fast when you’re trying to make ends meet. Pittsburgh drivers with bad credit pay an average rate of $145 per month, according to Compare.com data.
But not all companies use credit. And some companies offer affordable rates regardless of your credit history. The five Pittsburgh car insurance companies in the chart below have the best deals for drivers with poor credit.
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Like nearly every other U.S. state, Pennsylvania requires all drivers to have car insurance to drive legally. Here’s what you need to have before you hit the road:[5]
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability
$5,000 in medical benefits coverage
You can purchase either personal injury protection or medical payments to fulfill the state’s medical benefits requirement. Pennsylvania state law doesn’t require uninsured or underinsured motorist coverage, but you may want to add it since nearly 10% of drivers on the road don’t have a policy.[6]
State-minimum coverage in Pittsburgh is like wearing flip-flops during a Steelers game in December — technically, it works, but you’ll regret it when things get rough. That’s because the state’s minimum-coverage limits likely wouldn’t be enough to cover a serious crash.
Imagine you and the other driver experience injuries and vehicle damage. Your liability insurance won’t even cover your own damages. And if your medical expenses exceed $5,000, you’re on the hook for the rest.
And, as mentioned earlier, if you’re financing or leasing your car, your lender will require you to have a full-coverage policy.
Compare quotes side by side and lock in cheaper rates.
Here are quick answers to help you make sense of Pittsburgh auto insurance.
Pittsburgh drivers pay an average of $130 per month for car insurance, according to Compare.com data. If you need liability-only coverage, it averages $97 per month, while full coverage is about $163. Of course, your rate might be higher or lower depending on your ZIP code and unique driver profile.
State Farm offers the most affordable car insurance in Pittsburgh, at an average of $53 per month, according to Compare.com data. Shopping around is absolutely worth the effort since quotes can vary drastically between companies.
How much you pay for car insurance depends on your address, driving history, age, and other factors. Your rate could be higher or lower, but the average Pittsburgh driver pays $130 per month for auto coverage, according to our data. That national average for car insurance is $150 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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