Westfield, Auto-Owners and Travelers are the top three affordable car insurance providers in Pittsburgh. Rates change depending on your driving history and the type of coverage you choose. Check the table below to see which company offers the best prices for different driver categories.
Cheapest Car Insurance in Pittsburgh, PA
Updated: December 11, 2024
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Key Takeaways
Westfield, Auto-Owners, Travelers, Chubb and Erie are the overall cheapest car insurance companies in Pittsburgh.
In Pittsburgh, the lowest monthly rates are $19 for minimum coverage and $59 for full coverage.
On average, drivers in Pittsburgh can expect to pay $43 per month for minimum coverage and $118 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Pennsylvania Insurance Department and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Pittsburgh
| Westfield | Minimum Coverage | $19 |
| Auto-Owners Insurance Co | Full Coverage | $59 |
| Nationwide | Teens | $99 |
| Westfield | Young Adults | $25 |
| Westfield | Senior Drivers | $19 |
| Auto-Owners Insurance Co | Drivers With Bad Credit | $37 |
| Westfield | Drivers With a Speeding Ticket | $21 |
| Travelers | Drivers With a DUI | $37 |
| Westfield | Drivers With an Accident | $19 |
| Westfield | Military Affiliated Drivers | $19 |
Cheapest Car Insurance Coverage in Pittsburgh
Finding the cheapest car insurance in Pittsburgh means comparing rates from various providers. Your age, driving record, type of car and coverage needs all play a role in determining costs. Remember, the cheapest car insurance in Pennsylvania may not be the lowest in Pittsburgh. Comparing car insurance quotes can lead to affordable coverage that meets your needs.
Cheapest Minimum Coverage Car Insurance in Pittsburgh
Westfield offers the cheapest minimum coverage car insurance in Pittsburgh at $19 per month. Auto-Owners follows closely with a rate of $24 per month. Check the table below to explore different providers offering the best rates for minimum coverage in Pittsburgh.
| Westfield | $19 | $23 |
| Auto-Owners Insurance Co | $24 | $19 |
| Travelers | $28 | $15 |
| Chubb | $32 | $11 |
| Erie | $35 | $7 |
| GEICO | $37 | $5 |
| American National P&C | $39 | $4 |
| State Farm | $39 | $3 |
Cheapest Full Coverage Car Insurance in Pittsburgh
Auto-Owners offers the cheapest full coverage car insurance in Pittsburgh at $708 per year. Check the table below to compare different providers offering the best rates for full coverage.
| Auto-Owners Insurance Co | $59 | $59 |
| Travelers | $60 | $58 |
| Nationwide | $84 | $34 |
| Erie | $87 | $31 |
| American National P&C | $92 | $26 |
| Westfield | $93 | $25 |
| Allstate | $106 | $12 |
| State Farm | $106 | $12 |
| Chubb | $114 | $4 |
Cheapest Car Insurance in Pittsburgh by Age
In Pittsburgh, age influences car insurance rates. Young drivers see steeper costs due to less road time. These premiums usually drop as drivers get older, yet can increase past age 70. Below, find a guide to the most cost-effective insurers for teens, young adults and seniors.
Cheapest Car Insurance in Pittsburgh for Teens
Nationwide, Travelers and Auto-Owners offer the most affordable car insurance for teens in Pittsburgh. Check the table below for the lowest rates for your age group in the Steel City.
| Nationwide | $99 | $78 | $241 | $46 |
| Travelers | $106 | $71 | $166 | $121 |
| Auto-Owners Insurance Co | $120 | $58 | $233 | $54 |
| State Farm | $168 | $10 | $204 | $83 |
Cheapest Car Insurance in Pittsburgh for Young Adults
Westfield offers the cheapest car insurance for young adults in Pittsburgh at $300, which is 51% less than the city average. Auto-Owners and Travelers follow at $324 and $348., respectively. American National P&C and Erie are also affordable options.
| Westfield | $25 | $27 |
| Auto-Owners Insurance Co | $27 | $25 |
| Travelers | $29 | $22 |
| American National P&C | $44 | $7 |
| Erie | $44 | $7 |
| Chubb | $45 | $7 |
| GEICO | $45 | $6 |
| State Farm | $46 | $5 |
Cheapest Car Insurance in Pittsburgh for Seniors
Westfield offers the cheapest car insurance for seniors in Pittsburgh at $228 per year. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Westfield | $19 | $22 |
| Auto-Owners Insurance Co | $24 | $17 |
| Chubb | $25 | $15 |
| Travelers | $28 | $12 |
| Erie | $36 | $5 |
| State Farm | $36 | $4 |
| GEICO | $37 | $4 |
| Nationwide | $41 | $0 |
Cheapest Car Insurance in Pittsburgh for Drivers With Bad Credit
A low credit-based insurance score can lead to higher premiums compared to those with good scores. In Pittsburgh, cheap car insurance for drivers with bad credit is available from Auto-Owners at $444 and Westfield at $468 per year. Review the table below for more options from other providers.
| Auto-Owners Insurance Co | $37 | $34 |
| Westfield | $39 | $32 |
| Chubb | $50 | $21 |
| Nationwide | $59 | $12 |
| GEICO | $60 | $12 |
| American National P&C | $62 | $9 |
| Travelers | $67 | $4 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts, bundling different insurance policies and comparing personalized quotes from various companies. Improving your credit over time can also help you secure a lower rate.
Cheapest Car Insurance in Pittsburgh After a Driving Offense
Insurance providers assess risk by looking at your driving record when calculating car insurance premiums. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Pittsburgh After a DUI
Drivers with a DUI in the Steel City can still find affordable car insurance. Travelers offers the cheapest minimum coverage at $444 annually for these drivers. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| Travelers | $37 | $34 |
| State Farm | $45 | $26 |
| Allstate | $57 | $14 |
| Progressive | $59 | $12 |
| American National P&C | $64 | $7 |
| Erie | $65 | $6 |
| GEICO | $67 | $5 |
| Auto-Owners Insurance Co | $69 | $2 |
Cheapest Car Insurance in Pittsburgh After an Accident
Westfield offers the most affordable minimum coverage car insurance for drivers with an at-fault accident in Pittsburgh, with an annual rate of $228. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Westfield | $19 | $42 |
| Travelers | $36 | $25 |
| Auto-Owners Insurance Co | $38 | $24 |
| State Farm | $49 | $12 |
| Chubb | $50 | $11 |
| Erie | $53 | $9 |
| American National P&C | $56 | $5 |
| GEICO | $60 | $1 |
Cheapest Car Insurance in Pittsburgh After a Ticket
Westfield offers the most affordable car insurance for Pittsburgh drivers with a speeding record, at $252 annually. Auto-Owners follows closely with a rate of $300 per year. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Westfield | $21 | $31 |
| Auto-Owners Insurance Co | $25 | $27 |
| Travelers | $33 | $19 |
| Erie | $41 | $12 |
| State Farm | $45 | $7 |
| Chubb | $50 | $2 |
| GEICO | $51 | $1 |
Cheapest Car Insurance in Pittsburgh for Military Drivers
Military drivers — including active-duty members, veterans and their families — often find special discounts and competitive rates on car insurance in Pittsburgh. The cheapest car insurance providers for military drivers seeking minimum coverage are Westfield, with an annual rate of $228, and Auto-Owners at $288.
| Westfield | $19 | $22 |
| Auto-Owners Insurance Co | $24 | $18 |
| Travelers | $28 | $14 |
| USAA | $29 | $12 |
| Chubb | $32 | $10 |
| Erie | $35 | $6 |
| GEICO | $37 | $4 |
| American National P&C | $39 | $3 |
| State Farm | $39 | $2 |
How Much Does Car Insurance Cost in Pittsburgh?
In Pittsburgh, full coverage car insurance averages $1,416 per year. State minimum coverage is more affordable at $516 annually. These averages are based on a 40-year-old driver with good credit and a clean driving record; your rates may differ.
Pittsburgh Auto Insurance Cost by Driver Profile
The table below summarizes average auto insurance costs in Pittsburgh for diverse driver profiles, helping you gauge if you're getting an affordable deal on your state minimum coverage.
| Teen Drivers | No Data | $287 |
| Young Adults | $51 | $147 |
| Senior Drivers | $41 | $108 |
| Drivers With Bad Credit | $71 | $198 |
| Drivers With a Speeding Ticket | $52 | $145 |
| Drivers With a DUI | $71 | $198 |
| Drivers With an Accident | $61 | $169 |
| Military Affiliated Drivers | $42 | $116 |
How Expensive Is Car Insurance in Pittsburgh?
Car insurance in Pittsburgh is more affordable than Pennsylvania's average. You'll save about 3% on both minimum coverage and full coverage plans. Expect to pay around $43 monthly for minimum coverage and $118 for full coverage in the city.
| Pittsburgh Avg Rate | $43 | $118 |
| Pennsylvania Avg Rate | $44 | $122 |
| vs Pennsylvania Avg Rate | $1 | $4 |
Car Insurance Requirements in Pittsburgh
In Pennsylvania, drivers are legally required to carry a minimum amount of auto insurance. This includes specific limits for bodily injury liability and property damage liability to ensure financial protection in the event of an accident.
Pennsylvania's minimum coverage limits are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $5,000 for medical payments coverage
An auto insurance policy provides financial protection against costs from an accident. Liability coverage pays for the damages or injuries that the policyholder is responsible for in an at-fault accident.
For example, if you're at fault in an accident that injures another driver, your minimum bodily injury liability per person would cover up to $15,000 of the injured person's medical expenses. It's important to have at least the state minimum to protect yourself financially.
Cheapest Car Insurance in Pittsburgh: Bottom Line
Finding the cheapest car insurance in Pittsburgh depends on factors like your age, driving history, car type and credit history. Westfield and Auto-Owners often come up as affordable choices. But make sure to compare quotes from different providers to get the best deal for you.
Cheap Pittsburgh Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in Pittsburgh. We help you find the best coverage for your needs, ensuring you get the right protection at a price that fits your budget.
What is the cheapest car insurance company in Pittsburgh, Pennsylvania?
The cheapest car insurance company for minimum coverage in Pittsburgh, Pennsylvania, is Westfield, with an average rate of $228. Auto-Owners is the most affordable for full coverage at around $708 per year. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Pittsburgh, Pennsylvania?
The average cost of car insurance in Pittsburgh, Pennsylvania, is $1,416 per year for full coverage, while minimum coverage averages $516 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Pittsburgh, Pennsylvania, expensive?
Car insurance in Pittsburgh, Pennsylvania, is affordable compared to the state average. Understanding your specific needs and comparing quotes can help ensure you get a suitable policy at a competitive rate.
How We Chose the Cheapest Car Insurance in Pittsburgh, PA
To help Pittsburgh drivers find the most affordable auto insurance companies, MoneyGeek analyzed Pittsburgh auto insurance rates based on data and information from the Pennsylvania Insurance Department and Quadrant Information Services.
Pittsburgh Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Pittsburgh with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Pittsburgh
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Pennsylvania are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $5,000 for medical payments coverage
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.