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Pittsburgh Car Insurance

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Pittsburgh car insurance rates

If you’re researching car insurance quotes in Pittsburgh or trying to find cheap car insurance quotes in Pittsburgh while shopping for a policy, you’ll find all the information you need here. We provide average car insurance rates for Pittsburgh listed by ZIP code and company. That way you can get a reference point for how much you can expect to pay. We’ll also explain how coverage works, and how much car insurance you need.

While Pittsburgh rates are well below archrival Philadelphia's -- which are among the highest in the country -- they still aren't cheap. Two drivers with the same car might well pay rates for Pennsylvania car insurance that differ by hundreds of dollars when one lives in South Hills and the other in Oakland.

No matter where you live, you'll find car insurance rates vary -- sometimes by a great deal.  Each car insurance company uses its own formula when deciding what you’ll pay, so the same policy can have many different price points. For example, Pittsburgh ZIP code 15219, with an average rate of $1,569, is the most expensive in the city, according to a CarInsurance.com analysis. The highest rate from insurers surveyed for that neighborhood ($3,316) was $2,645 more than the lowest ($671), according our rate analysis. The wide range in rates from different insurers shows why it's wise to compare car insurance quotes for Pittsburgh rates.  

To see how other Pennsylvania car insurance rates compare, use our average rates tool below. Enter a ZIP code and choose from among six age groups and three coverage levels and it will show the average rate, as well as the highest and lowest, for your location.

Pittsburgh Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Pennsylvania
HIGHEST RATE:
  • 19132- PHILADELPHIA: $3,189
  • 19139- PHILADELPHIA: $3,169
  • 19140- PHILADELPHIA: $3,127
  • 19133- PHILADELPHIA: $3,123
LOWEST RATE:
  • 16801- BOALSBURG: $1,166
  • 16802- PENN STATE UNIVERSITY: $1,191
  • 16823- BELLEFONTE: $1,196
  • 17843- BEAVER SPRINGS: $1,200

Car insurance comparison: Pittsburgh

Here's how Pittsburgh’s highest average rate ($1,569) compares to others, for a full coverage policy:

  • $403 more than the least expensive average rate ($1,166) in the state, Boalsburg 16801
  • $47 more than the state average ($1,522)
  • $104 more than the average rate for all of Pittsburgh ($1,465)
  • $214 more than the national average rate ($1,355)

 

Average car insurance rates in Pittsburgh by ZIP code

Here are the 10 most and least expensive ZIP codes for car insurance in Pittsburgh. You'll see in the chart below that you can save $3,000 to $4,000 just by doing a car insurance comparison, no matter which address you call home. 

ZIP codeAverage annual rateHighest rateLowest rate
15219$1,569$3,316$671
15272$1,519$3,316$627
15261$1,517$3,128$623
15282$1,510$3,066$602
15217$1,508$3,177$623
15232$1,505$3,007$623
15260$1,503$3,214$580
15222$1,500$3,010$627
15265$1,498$3,128$737
15267$1,498$3,128$737
Least expensive
ZIP codeAverage annual rateHighest rateLowest rate
15276$1,354$2,801$620
15277$1,354$2,801$620
15278$1,354$2,801$620
15279$1,354$2,801$620
15275$1,354$2,796$595
15295$1,384$2,759$680
15229$1,395$2,940$597
15281$1,404$3,066$602
15290$1,461$3,184$660
15252$1,463$3,203$660

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.


Pittsburgh car insurance requirements

Pennsylvania state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$15,000/$30,000
Minimum property damage liability$5,000
First party benefits (medical)$5,000

 

Cheap car insurance:   Pittsburgh

To drive legally, you need at least state minimum insurance required. This will be the lowest liability car insurance limits your insurer offers.  In Pennsylvania, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others

  • $30,000 per accident

  • $5,000 for damage you cause to others’ cars and property

Pennsylvania also requires you to buy a minimum of $5,000 of first party benefits medical coverage. It pays medical expenses for you and anyone on your policy up to its limits, even if the accident was your fault.

Best car insurance in Pittsburgh

Even a minor accident can put your savings and home in jeopardy if you have just the state required minimum of insurance. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage are advised unless you have a very old car that’s of little value. In Pennsylvania, comprehensive costs $132 and collision costs $301, on average per year, for drivers, according to the Insurance Information Institute. These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

Based on an analysis outlined below of rate fielded from six major insurers for Pittsburgh ZIP codes, increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $979 more, or $82 a month. But just hiking to higher liability costs just $43 yearly, or $4 a month.

Average Pittsburgh rates for three coverage levels:

  • State minimum average annual rate: $486
  • Liability only; 100/50/100 average annual rate: $529
  • Full coverage of 100/300/100, with comprehensive and collision: $1,465

Who has the cheapest car insurance in Pittsburgh?

Below you'll see average annual rates for Pittsburgh, ranked cheapest to most expensive, for three coverage levels:

CompanyState minimum
Nationwide$252
Geico$299
State Farm$323
Allstate$712
Progressive$844
Company100/50/100
Nationwide$274
Geico$309
State Farm$396
Allstate$709
Progressive$959
Company100/300/100
Nationwide$662
Geico$693
State Farm$1,143
Allstate$1,746
Progressive$3,080

Driving in Pittsburgh

Traffic in Pittsburgh: As with many major cities, traffic can be congested, especially during rush hour, but Pittsburgh did not make a list of the worst U.S. cities for traffic recently reported by USA Today.

Car crashes: Major accidents have resulted in an average of about 20 deaths a year in recent years (2012-2014).

Commuting: The average commute in Pittsburgh lasts 22.8 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Pittsburgh area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

Public transportation: The U.S. Census Bureau says that the majority of riders in Pittsburgh who commute to work by public transportation are white (about 53 percent), Hispanic (about 3 percent) and black (about 34 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: In Pittsburgh you must have a vehicle (model year 1975 or newer) tested for emissions before registering and annually after that. After moving to Pittsburgh, the vehicle must be tested as part of the registration process.

Bad intersection: Where 18th and Carson streets meet is considered one of the most dangerous in Pittsburgh, especially for unwary pedestrians.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.