How Much Does Car Insurance Cost in Pittsburgh?
With premiums within $6 of the national average, Pennsylvania has rates that are relatively equivalent to the nation. Let's take a look at how auto insurance costs in Pittsburgh compare to rates nationwide.
INSURANCE COSTS: PITTSBURGH VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Pittsburgh Auto Insurance by Credit Rating
The disparity between average car insurance premiums in Pittsburgh for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,422 per year. In terms of percent change, shifting from Good (670-739) to Very Good (740-799) hands over the most significant percent reduction in premiums to drivers, as they save an average of 18% per year.
PITTSBURGH CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Quality||Average Car Insurance Rate|
Pittsburgh Car Insurance Rates by Age
Car insurance premiums are highest for teenage drivers, with rates that average $4,236 per year. Among all age groups, drivers in their 50s have the smallest premiums, with rates of $1,253. However, people in their 60s ($1,295) aren’t paying much more. The biggest decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Pittsburgh start saving $2,374. Rates for drivers continue to decline through their 50s, but they can expect an increase when they turn 60.
PITTSBURGH AUTO INSURANCE PRICES BY DRIVER AGE
Pittsburgh Car Insurance by Gender and Marital Status
Both gender and marital status affect your car insurance premiums in Pittsburgh. However, premiums are barely more costly for women than for men. Women normally pay $14 more than men every year for insurance. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. Being married, as opposed to single, can save you around 4% per year.
PITTSBURGH AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Pittsburgh Car Insurance With Accidents or Violations
Do you realize how much an accident or violation history can cost you in terms of premiums? Do you want to increase your car insurance rates by 12%? If not, be aware of your speedometer because getting pulled over for speeding by 16-20mph in Pittsburgh will spark that uplift. In Pittsburgh, drivers with a DUI need to spend nearly double the average for the city to insure their vehicle. Reckless driving will also push your rates up, with typical rates of $2,073. That is 44% higher than the city average.
AVERAGE PITTSBURGH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,503|
|At-fault Accident (damages greater than $2,000)||$2,253|
|Speeding Ticket (16-20 mph over speed limit)||$1,606|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
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
Henderson Brothers, Inc.
920 Ft Duquesne Blvd Pittsburgh, PA 15222
11743 Frankstown Road Pittsburgh, PA 15235
McGroarty & Bradburn Insurance
4175 Steubenville Pike Pittsburgh, PA 15205
First Niagara Risk Management, Inc.
125 Hillvue Lane Pittsburgh, PA 15237
Jacoby & Associates Agency LLC
1000 Main Street Pittsburgh, PA 15215
Hurley Insurance Brokers, Inc
3508 5th Avenue Pittsburgh, PA 15213
Cusumano Insurance Agency, Inc.
178 Clairton Blvd Pittsburgh, PA 15236
Pierson & Scott Inc
321 Castle Shannon Blvd Pittsburgh, PA 15234
Beynon & Company, Inc.
429 Forbes Avenue Pittsburgh, PA 15219
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