How much does car insurance cost in Pittsburgh?
Car insurance coverage costs an average of $1,486 each year in Pittsburgh. That's more than the average in Pennsylvania ($1,475) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Pittsburgh.
PITTSBURGH AUTO INSURANCE RATES
|Pittsburgh Average (annual)||Pennsylvania Average||United States Average|
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Pittsburgh car insurance premiums by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Pittsburgh, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Pittsburgh. Don't forget to get car insurance quotes based on your driving profile.
PITTSBURGH AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Pittsburgh car insurance premiums by age
Pittsburgh drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,295per year, on average. Those in their 60s don't pay significantly more ($1,323).
Teenage drivers pay Pittsburgh's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Pittsburgh is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Pittsburgh is $2,557. That's the biggest gap in premiums between any pair of age brackets.
PITTSBURGH CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
Pittsburgh car insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. In Pittsburgh, married drivers pay $133 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Pittsburgh, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect car insurance rates. In Pittsburgh, female drivers pay $0 per year more than do male drivers for car insurance.
PITTSBURGH CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Pittsburgh car insurance rates by incident history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Pittsburgh drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $706 per year versus the city average. A ticket for speeding results in a $156 rate hike, on average, while a DUI violation costs $567per year in insurance premiums.
PITTSBURGH CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,624|
|At-fault Accident (damages > $2,000)||$2,362|
|Speeding Ticket (16-20 mph over speed limit)||$1,642|
Pittsburgh car insurance rates by credit tier
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Pittsburgh, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Pittsburgh, improving your credit to "Fair" could help you earn a $1,093 decrease in annual car insurance rates.
PITTSBURGH CAR INSURANCE PREMIUMS BY CREDIT SCORE
|Credit Level||Average Annual Rate|
What drives up car insurance rates in Pittsburgh?
Where you live in Pittsburgh affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Pittsburgh is no exception to the rule. From ZIP code 15143 to 15206, premiums rise by 18 percent—that’s $201.
Expensive Pittsburgh ZIP codes: 15219, 15214, 15208, 15261, 15206
Cheap Pittsburgh ZIP codes: 15143, 15236, 15241, 15106, 15205
Pittsburgh Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Pittsburgh, you can expect 151 rainy days with an annual rainfall of 38.2 inches. Pittsburgh is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Pittsburgh Agents
Allegheny Professional Insurance Agency, Inc.
470 Streets Run Rd Ste 205, Pittsburgh, PA 15236
Jacoby & Associates Agency LLC
1000 Main Street, Pittsburgh, PA 15215
11743 Frankstown Road, Pittsburgh, PA 15235
Hurley Insurance Brokers, Inc
3508 5th Avenue, Pittsburgh, PA 15213
Cusumano Insurance Agency, Inc.
178 Clairton Blvd , Pittsburgh, PA 15236
McGroarty & Bradburn Insurance
4175 Steubenville Pike, Pittsburgh, PA 15205
First Niagara Risk Management, Inc.
125 Hillvue Lane, Pittsburgh, PA 15237
Pierson & Scott Inc
321 Castle Shannon Blvd, Pittsburgh, PA 15234
Henderson Brothers, Inc.
920 Ft Duquesne Blvd, Pittsburgh, PA 15222
Beynon & Company, Inc.
429 Forbes Avenue Suite 1900, Pittsburgh, PA 15219
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