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 AverageUnited States Average
$1,486$1,475$1,548

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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
InsurerAverage Rate (annual)
GEICO$840
Erie$1,034
State Farm$1,182
Nationwide$1,210
Progressive$1,974

Read our guide to finding the best cheap auto insurance.



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 tierAverage Annual Rate
Teens$4,494
20s$1,937
30s$1,466
40s$1,394
50s$1,295
60s$1,323
70s$1,633

Learn more about the impact of age on car insurance premiums.



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 StatusAverage Yearly Rate
Female$1,486
Male$1,486
Single$1,353
Married$1,353
Divorced$1,486
Widowed$1,415

Learn more about how gender and marital status have on auto insurance rates.



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
ViolationAverage Annual Rate
DUI/DWI$2,054
Reckless Driving$2,192
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

Get more info on how a bad driving history can impact your car insurance costs.



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 LevelAverage Annual Rate
Very Poor$2,914
Fair$1,821
Good$1,486
Very Good$1,323
Exceptional$1,182

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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.

151

Rainy Days a Year

38"

Avg. Annual Rainfall

42"

Avg. Annual Snowfall

Be Prepared For

Driving in the Steel City

2
Major Highways
U.S. 22 I-579 U.S. 30
2
Public Transit

Port Authority Bus

Port Authority Rail

2
Toll Roads
Pennsylvania Turnpike I-376

Find Local Pittsburgh Agents

Pierson & Scott Inc

321 Castle Shannon Blvd, Pittsburgh, PA 15234

Jacoby & Associates Agency LLC

1000 Main Street, Pittsburgh, PA 15215

Cusumano Insurance Agency, Inc.

178 Clairton Blvd , Pittsburgh, PA 15236

Hurley Insurance Brokers, Inc

3508 5th Avenue, Pittsburgh, PA 15213

McGroarty & Bradburn Insurance

4175 Steubenville Pike, Pittsburgh, PA 15205

Henderson Brothers, Inc.

920 Ft Duquesne Blvd, Pittsburgh, PA 15222

Crawford Insurance

11743 Frankstown Road, Pittsburgh, PA 15235

Beynon & Company, Inc.

429 Forbes Avenue Suite 1900, Pittsburgh, PA 15219

First Niagara Risk Management, Inc.

125 Hillvue Lane, Pittsburgh, PA 15237

Allegheny Professional Insurance Agency, Inc.

470 Streets Run Rd Ste 205, Pittsburgh, PA 15236

Not sure about Pittsburgh

Check out these other Pennsylvania cities:

Philadelphia

2

$1,196

The average Pittsburgher's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

68

That's equal to 68 Primanti Bros. sandwiches or $478 in savings

See How Much You Can Save in Pittsburgh

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Recent Questions:

Pittsburgh Car Insurance

Can I buy a vehicle in a different state than where I live?

Essentially, you need to have car insurance in the state where the vehicle will be kept. Car insurance is state specific.

Does spouse with revoked license need to be added to insurance policy?

Since you are married, he will need to be listed on the policy as an excluded driver, which shouldn't affect your rate much. The reason he needs to be excluded is that he has access to the vehicle.

Do I have to tell my insurance agent about a claim?

Sounds like you've taken all of the proper steps in filing a claim. Your agent is correct, the other insurance company will handle the claim since their customer is at fault.

Can my insurance company discover out of state ticket

In short, it can depend but yes they can find out. If North Carolina's DMV reports the accident to Pennsylvania your insurance company can find out.