Pittsburgh, Pennsylvania Auto Insurance Rates
Premiums in Pennsylvania are relatively consistent with national rates, as its premiums are within 0.4% of the national average. Let’s go over some tips on how to save on car insurance in Pittsburgh.
- City Average: $1,440
- State Average: $1,433
- National Average: $1,427
Pittsburgh Car Insurance by Gender and Marital Status
Both marital status and gender can affect your car insurance premiums in Pittsburgh. However, males have premiums that are only slightly cheaper than those for females. You spend $54 more per year if you're single as opposed to married. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper.
- Female: $1,454
- Male: $1,440
- Single: $1,440
- Married: $1,386
- Divorced: $1,444
- Widowed: $1,413
Pittsburgh Car Insurance by Credit Rating
Individuals with Exceptional credit (800-850) pay an average of 53% less each year on premiums than those with Very Poor credit (300-579). Drivers will see the greatest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $333 per year.
- Very Poor: $2,674
- Fair: $2,235
- Good: $1,853
- Very Good: $1,520
- Exceptional: $1,252
Pittsburgh Car Insurance by Accident or Violation History
Do you have an accident or violation history? That can influence your car insurance premiums. The amount of damage that results from an accident impacts insurance rates. For individuals in Pittsburgh with at-fault accidents in which damages exceeded $2,000, rates are an average of $750 more than at-fault accidents with damages less than $1,000. In Pittsburgh, drivers with a DUI need to spend nearly double the average for the city to insure their vehicle. Reckless driving will push your rates up as well, with average rates of $2,073. That is 44% higher than the city average.
- DUI: $2,602
- Reckless Driving: $2,073
- At-fault Accident (damages less than $1000): $1,503
- At-fault Accident (damages greater than $2000): $2,253
- Speeding Ticket (16-20 mph over speed limit): $1,606
Pittsburgh Car Insurance by Age
Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,253 annually. People in their 60s ($1,295) have premiums that aren't much higher. The biggest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Pittsburgh start saving an average of $2,374 annually. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60. Teenage drivers have the highest rates amongst all the age groups. They have car insurance payments that average $4,236 per year.
- Teenagers: $4,236
- 20s: $1,862
- 30s: $1,426
- 40s: $1,365
- 50s: $1,253
- 60s: $1,295
- 70s: $1,551
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 Zip Codes15219 15214 15208 15261 15206
Cheap Zip Codes15143 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
Henderson Brothers, Inc.
920 Ft Duquesne Blvd Pittsburgh, PA 15222
Pierson & Scott Inc
321 Castle Shannon Blvd Pittsburgh, PA 15234
Allegheny Professional Insurance Agency, Inc.
470 Streets Run Rd Ste 205 Pittsburgh, PA 15236
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