Cheap Car Insurance in Pittsburgh, Pennsylvania
Pittsburgh, Pennsylvania, is one of the country’s more underappreciated gems. Known as a blue-collar town for its coal and steel heritage, Pittsburgh boasts a bustling downtown, the famous Cultural District, and a variety of well-known museums, such as the Carnegie Museum of Art, and the Carnegie Science Center.
Other notable areas of interest in Pittsburgh include the impressive Phipps Conservatory and Botanical Gardens with a 13-room Victorian glasshouse, the Cathedral of Learning at the University of Pittsburgh, and the Strip District with its remarkable array of shopping, dining, and entertainment venues.
All Pittsburgh drivers are mandated by law to carry at least the state minimum required car insurance. Keep reading to learn more about everything related to car insurance in Pittsburgh, PA.
Quick Facts
- As of 2020, the population of Pittsburgh was 302,971.
- In Pennsylvania in 2020, there were an average of 3 people killed in traffic crashes each day. There were 21 fatal crashes in Pittsburgh in 2020.
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How Much Does Car Insurance Cost in Pittsburgh, PA?
The average cost of full coverage car insurance in Pittsburgh is $147 per month, a little more than the state average ($123) and a little less than the national average ($161). The state-required minimum or liability car insurance costs Pittsburgh drivers on average $45 per month.
All drivers in Pittsburgh are encouraged to obtain car insurance well above state minimum mandated coverage limits. Pennsylvania is a no-fault state, which means your liability coverage will help with your injuries and property damage in the event of a car wreck, regardless of who is at fault. The cost of an accident quite often totals more than the state minimum requirements, however, which is why some people choose to buy more coverage.
See the breakdown below for the average monthly insurance cost across different major cities in Pennsylvania.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Pittsburgh | $147 | $45 |
| Erie | $145 | $49 |
| Philadelphia | $309 | $94 |
| Wilkes Barre | $139 | $43 |
| Harrisburg | $129 | $42 |
Pittsburgh Affordable Car Insurance Rates by Zip Code
Where you live is a major deciding factor when evaluating the cost of insurance premiums. Even a quick trip down the block from one zip code to the next can result in differences. Major factors include the collective number of people, number of claims filed and incidents of crime and vandalism, among others.
Read our breakdown below for the average monthly car insurance prices by zip code in Pittsburgh, PA.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 15112 | $139 | $44 |
| 15201 | $147 | $45 |
| 15202 | $138 | $44 |
| 15203 | $147 | $46 |
| 15204 | $140 | $45 |
| 15205 | $130 | $42 |
| 15206 | $149 | $46 |
| 15207 | $145 | $46 |
| 15208 | $149 | $46 |
| 15209 | $134 | $44 |
| 15210 | $151 | $48 |
| 15211 | $152 | $48 |
| 15212 | $147 | $45 |
| 15213 | $145 | $46 |
| 15214 | $148 | $46 |
| 15215 | $136 | $43 |
| 15216 | $135 | $45 |
| 15217 | $143 | $46 |
| 15218 | $142 | $44 |
| 15219 | $148 | $46 |
| 15220 | $136 | $44 |
| 15221 | $145 | $46 |
| 15222 | $146 | $45 |
| 15223 | $138 | $44 |
| 15224 | $146 | $47 |
| 15225 | $138 | $43 |
| 15226 | $146 | $47 |
| 15227 | $132 | $43 |
| 15228 | $133 | $44 |
| 15229 | $134 | $43 |
| 15231 | $152 | $48 |
| 15232 | $147 | $47 |
| 15233 | $148 | $46 |
| 15234 | $134 | $45 |
| 15235 | $147 | $46 |
| 15236 | $130 | $43 |
| 15237 | $133 | $43 |
| 15238 | $138 | $43 |
| 15239 | $139 | $45 |
| 15241 | $130 | $43 |
| 15243 | $131 | $44 |
| 15260 | $141 | $44 |
| 15261 | $140 | $45 |
| 15275 | $131 | $4 |
Pittsburgh Low-Cost Car Insurance Rates by Age
How much your car insurance premiums cost is significantly affected by your age. Some age groups (young drivers) have higher incidence rates and claims filed than others, meaning collectively that group will pay more for their car insurance.
Read our breakdown below for the average monthly car insurance prices by age group in Pittsburgh.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $442 | $142 |
| 20s | $156 | $49 |
| 30s | $141 | $45 |
| 40s | $130 | $42 |
| 50s | $122 | $40 |
| 60s | $125 | $42 |
| 70s | $151 | $52 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Pittsburgh
How Many Fatal Accidents Happen in Pittsburgh?
There were 21 fatal crashes in Pittsburgh in 2020 with 23 people killed. Three were alcohol-related
How Are the Road Infrastructure and Bridges in Pittsburgh?
Like any large city, Pittsburgh’s roads, bridges, and other infrastructure are always getting repaired and upgraded. Its Department of Mobility and Infrastructure is responsible for maintaining all city streets, including sidewalks, curbs, and bridges, using three dedicated bureaus – Planning, Policy, and Permitting, Transportation Services, and Project Design and Delivery.
Key past and current projects managed by the Pittsburgh Department of Mobility and Infrastructure include street resurfacing work, upgrading the University of Pittsburgh’s Bigelow Boulevard with a new streetscape design, and traffic calming projects to key intersections for bicyclists and pedestrians.
State Required Minimum Car Insurance Requirements in Pittsburgh
Most states require some form of car insurance before motorists can legally drive on their roads and Pennsylvania is no different. Here is the state required minimum or liability insurance for Pennsylvania:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 in property damage liability per accident
- $5,000 Personal Injury Protection (PIP)
Note, Pennsylvania is a no-fault state, which means both parties pay for the cost of all damages through their insurance carrier, regardless of who is at fault. This is unlike at-fault states where the cost of damages (paid out-of-pocket or through an insurance carrier) is assigned to the driver determined to be at fault for the accident.
Keep in mind, insurance carriers regularly notify the state of any insurance lapses, so it is important to stay covered at all times.
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What Are the Penalties for Driving Without Insurance in Pittsburgh, PA?
Driving without insurance in Pennsylvania is not for the faint of heart. All drivers must carry car insurance unless they want to face severe fines, suspended registration, and other fees.
All drivers with first or subsequent offenses face a minimum $300 fine, besides suspended driving privileges for three months. Additionally, drivers can expect a restoration fee of $94 to convert their vehicle registration back to active. Fortunately, drivers have the option of activating registration with a $500 civil penalty and $88 reinstatement fee, allowing other people to use your vehicle.
In all cases, proof of insurance needs to be fined with the Pennsylvania Department of Motor Vehicles.
Factors Allowed in Pittsburgh Car Insurance Rates
Many factors affect car insurance rates in Pittsburgh. Two determining factors are your driving record and the make and model of the vehicle you drive. A driver with multiple moving violations can expect to pay double or triple the rates of drivers with clean driving records.
Other factors that play a role in determining your rates include:
- Age
- Gender
- Credit score
- Enrollment in safe driving programs (e.g., defensive driving courses)
Discounts for Car Insurance in Pittsburgh
Drivers in Pittsburgh can save on car insurance by applying for discounts. Discounts reflect everything from how well you equip your vehicle with anti-theft devices to enrolling in autopay programs. Some discounts you may qualify for include:
Remember, the best way to keep your monthly premiums low is to maintain a clean driving record, free of DUIs, speeding tickets, and other moving violations. It also helps to have good credit and to bundle multiple policies under one umbrella (e.g. auto and homeowner’s insurance)
Get an Online Quote for Low-Cost Car Insurance in Pittsburgh Today!
All Pittsburgh drivers are required to carry car insurance. Freeway Insurance is ready to help you find the best policy for your situation. We sift through multiple options so you don’t have to and present you with the best recommendations. Get started with a quote online, visit us at a Pittsburgh office near you, or call us today at (800) 777-5620 for a quick, no-obligation rate quote.