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 Average||State Average||National Average|
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
|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
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
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/Gender||Average 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 & 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
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
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
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