Car Insurance in Pittsburgh
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Car Insurance in Pittsburgh, PA
Driving in the Steel City can require nerves of iron. If you frequently find yourself crossing one of Pittsburgh's 446 bridges, it's best to buy car insurance that covers you in the event of an accident.
Drivers in Pennsylvania's second-largest city follow the same traffic laws as the rest of the Commonwealth, although with a few unwritten rules added in. For instance, customary practice allows a driver turning left to proceed before oncoming traffic when the light turns green. This is known as a "Pittsburgh Left." It can confuse out-of-towners, but locals know the drill. Pittsburgh also expects drivers to retain the mandatory minimum car insurance coverage required by state law.
Pittsburgh drivers should compare quotes from reputable car insurance carriers to find the best price for their location. Shopping around ensures you access the best prices for your car insurance in Pittsburgh.
How much is car insurance in Pittsburgh, PA?
Auto insurance rates in Philadelphia can differ greatly based on the coverage options you choose. To assist you, here are the average costs for the three most popular types of coverage in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
+
What are the cheapest cars to insure in Pittsburgh?
Evaluating and categorizing insurance costs for every car make, model, and year in the city can be quite challenging. However, if you're interested in newer vehicles that typically come with lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Philadelphia:Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $153 |
2 | Dodge Grand Caravan | $155 |
3 | Honda Cr-V | $157 |
4 | Toyota Corolla | $158 |
5 | Toyota Rav4 | $161 |
6 | Ford F-150 | $164 |
7 | Kia Sedona | $164 |
8 | Honda Odyssey | $164 |
9 | Toyota Tacoma | $165 |
10 | Kia Sol | $166 |
How do claims and violations impact my total cost?
Insurance premiums can shoot up drastically due to various kinds of incidents. Consider the breakdown below of insurance rates in Philadelphia and how they might increase due to some of the most common violations or claims:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $161 | +0% |
Not at-fault Accident | $172 | +7% |
Driving with expired registration | $186 | +16% |
Speeding Ticket | $187 | +16% |
At-fault Accident | $234 | +45% |
DUI | $245 | +52% |
Hit and Run | $247 | +53% |
Driving with a suspended license | $249 | +55% |
What car insurance discounts can I get in Pittsburgh?
There are several discounts that can help bring down your insurance costs in Pittsburgh. Here’s a ranked list of these discount options, starting with the ones that offer the biggest savings on your premiums:Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $141 | +$20 |
Paid in Full | $149 | +$12 |
Low Mileage | $150 | +$11 |
Multi-Policy Renters | $154 | +$7 |
Paperless | $158 | +$3 |
Electronic Funds Transfer | $159 | +$2 |
Renewal discount | $160 | +$1 |
None | $161 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.