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How much is car insurance in Pittsburgh?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price for car insurance in Pittsburgh is significantly cheaper than it is in the rest of Pennsylvania.
If you're thinking of moving to Pittsburgh from out of state, you'll also be in luck. Car insurance rates for the United States as a whole are, on average, $23 more expensive than the rates you'd pay in Pittsburgh.
These may be the average auto insurance rates for Pittsburgh, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Pittsburgh and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in Pittsburgh, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Pittsburgh, a driving record with one accident will usually get you a rate around $64 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$57|
In Pittsburgh, the cheapest vehicles to insure are, for the most part, SUVs.
The policies for car owners average around $57, while SUV owners typically see rates of around $53 to insure each month.
On the other hand, truck and van drivers typically pay around $57.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Pittsburgh, however, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally speaking, married policyholders will pay less for their car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
That difference boils down to about $10 in monthly savings for drivers in Pittsburgh.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
One other element taken into consideration is your living situation. Homeowners in Pittsburgh can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Pittsburgh, PA
Recent trends in car insurance for Pittsburgh drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when selecting an auto insurance policy.
Car insurance rates in Pittsburgh dropped from 2016-2019, when they hit a low of $48. This changed in 2020, when rates started to rise. This pattern has continued through the present, where rates recently reached $66.
How does Pittsburgh compare to neighboring areas?
Why are car insurance rates in Pittsburgh different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Road safety
- Amount of drivers in the area
- Prevalence of crime
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Pittsburgh?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Pittsburgh.
Pittsburgh Insurance FAQs
What factors affect car insurance quotes in Pittsburgh?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Pittsburgh different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Pittsburgh?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pittsburgh?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pittsburgh or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?