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
Beynon & Company, Inc.
429 Forbes Avenue Pittsburgh, PA 15219
Cusumano Insurance Agency, Inc.
178 Clairton Blvd Pittsburgh, PA 15236
Jacoby & Associates Agency LLC
1000 Main Street Pittsburgh, PA 15215
McGroarty & Bradburn Insurance
4175 Steubenville Pike Pittsburgh, PA 15205
Henderson Brothers, Inc.
920 Ft Duquesne Blvd Pittsburgh, PA 15222
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
11743 Frankstown Road Pittsburgh, PA 15235
Pierson & Scott Inc
321 Castle Shannon Blvd Pittsburgh, PA 15234
Hurley Insurance Brokers, Inc
3508 5th Avenue Pittsburgh, PA 15213
Not sure about Pittsburgh
Check out these other Pennsylvania cities...
The average Pittsburgher's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Pittsburgh
Just enter your zip code to get started
Pittsburgh Car Insurance
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017
There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Meet Adam & Josh: 30 Things You Didn’t Know about the “Forbes 30 Under 30” Winners
Jan 11, 2017
Forbes is known for its lists. We won’t attempt to count the times Oprah or Taylor Swift have topped any number...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
Help, My Car is a Lemon!
Sep 20, 2016
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016
To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...
Are Vehicle Inspections Really About Safety?
Jul 18, 2016
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015
Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015
Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...
Texting and Driving and Car Insurance! Oh My!
Nov 05, 2015
That texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and texting is...
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
Aw, Hail No
May 23, 2014
Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...