How Much Does Auto Insurance Cost in Pittsburgh?


Premiums in Pittsburgh are relatively similar to state rates, as its premiums are within $42 of Pennsylvania's average. Let's take a look at how auto insurance costs in Pittsburgh contrast with rates nationwide.


AUTO INSURANCE COSTS: PITTSBURGH VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,398$1,356$1,569


Pittsburgh Car Insurance After Accidents or Violations


A history of accidents and violations can cost you in terms of prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Pittsburgh have rates that exceed the city average ($1,398) by 49%. Reckless driving will also drive your rates up, with typical rates of $2,487. That is 78% higher than the city average! Insurance rates are influenced by at-fault accident history, and more specifically, by how much damage resulted from the accidents. When comparing premiums for drivers with at-fault accidents in Pittsburgh, those with damages exceeding $2,000 pay 47% more than those with damages less than $1,000.


AVERAGE PITTSBURGH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentMean Rate
DUI$2,088
Reckless Driving$2,487
At-fault Accident (damages less than $1,000)$1,461
At-fault Accident (damages greater than $2,000)$2,148
Speeding Ticket (16-20 mph over speed limit)$1,574


Pittsburgh Auto Insurance Rates by Age

With typical rates of $4,078, teenage drivers pay the most in car insurance premiums. At $1,223, drivers in their 50s have the smallest payments among any age group. People in their 60s ($1,251) have premiums that aren't much higher. The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Pittsburgh start paying $2,855 less in premiums. Insurance rates for drivers in Pittsburgh continue to shrink through their 50s, but they can anticipate to pay more when they hit 60.


PITTSBURGH CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$4,078
20s$1,827
30s$1,379
40s$1,317
50s$1,223
60s$1,251
70s$1,380


Pittsburgh Auto Insurance by Credit Rating


Drivers with Very Poor credit (300-579) pay an average of 2.4x more each year for car insurance than those with Exceptional credit (800-850). Drivers will see the largest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,065 per year.


PITTSBURGH AUTO INSURANCE RATES BY CREDIT TIER
CreditAverage Rate
Very Poor$2,769
Fair$1,704
Good$1,398
Very Good$1,274
Exceptional$1,178


Pittsburgh Car Insurance by Marital Status and Gender


Car insurance premiums in Pittsburgh can be affected by gender as well as marital status. 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 single can cost you $114 more per year compared to being married. Unfortunately for women, their premiums tend to be 1% more pricey than for men.


PITTSBURGH AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,413
Male$1,398
Single$1,398
Married$1,285
Divorced$1,403
Widowed$1,336


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.

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
Toll Roads
Pennsylvania Turnpike I-376

Find Local Pittsburgh Agents

Allegheny Professional Insurance Agency, Inc.

470 Streets Run Rd Ste 205 Pittsburgh, PA 15236

First Niagara Risk Management, Inc.

125 Hillvue Lane Pittsburgh, PA 15237

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

Crawford Insurance

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

Beynon & Company, Inc.

429 Forbes Avenue Pittsburgh, PA 15219

Cusumano Insurance Agency, Inc.

178 Clairton Blvd 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.