Pittsburgh, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Pittsburgh, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Lower the Cost of Car Insurance in Pittsburgh, PA
The average cost of auto insurance in Pittsburgh, PA, is $1,205. This is lower than the cost of auto insurance in neighboring places such as Allegheny County, Mount Oliver, Homestead, and Green Tree. Car owners need to compare multiple car insurance quotes before arriving at the one that best suits their coverage needs. This comparison will also help car owners in increasing their savings. The cost of auto insurance is influenced by numerous factors such as the make and model of the car and the neighborhood one lives in.
Multi-Car Insurance:
Car owners who own multiple cars can save more on auto insurance by insuring their vehicles with the same company. As the infographic above indicates, insurance companies offer discounts on multi-car insurance policies. Insuring two vehicles under the multi-car insurance policy can help car owners in saving up to $313 in Pittsburgh, PA. Savings can total up to $627 through multi-car insurance policies.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
Anti-theft Discounts:
Car insurers across Pittsburgh offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. A passive disabling device in Pittsburgh can save up to $84, and tracking devices can help save up to $72.
Car owners can also lower their cost of auto insurance by being a safe driver. Driving violations can have a long-term impact on the cost of auto insurance. Post-DUI, the cost of auto insurance can rise up to $1,897.
Factors that can influence the cost of car insurance in Pittsburgh, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Pittsburgh, PA Auto Insurance Rates
- Pittsburgh, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Pittsburgh, PA
- Multi Vehicle Insurance Savings in Pittsburgh, PA
- How Credit Score Affects Car Insurance Rates in Pittsburgh, PA
- How DUI Affects Auto Insurance Premiums in Pittsburgh, PA
- Top Auto Insurance Agents Near Pittsburgh, PA
- How Driving Violations Affect Auto Insurance Rates in Pittsburgh, PA
- Pittsburgh, PA Auto Insurance Discounts on Anti Theft Feature
- Pittsburgh, PA Auto Insurance Company Reviews
Pittsburgh, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Pittsburgh, PA with that of other cities in and around Pittsburgh.
| Pittsburgh | Reserve | Allegheny County | Mount Oliver | Homestead | Green Tree | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,205 | $1,395 | $1,415 | $1,345 | $1,332 | $1,439 |
Pittsburgh, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Pittsburgh, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Pittsburgh | $1,477 | $1,248 |
| Mount Oliver | $1,289 | $1,088 |
| Allegheny County | $1,075 | $908 |
| Millvale | $1,361 | $1,149 |
| Reserve | $1,094 | $924 |
| Etna | $1,448 | $1,223 |
| Homestead | $2,178 | $1,840 |
| Green Tree | $946 | $799 |
Pittsburgh, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Pittsburgh, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,910 |
| 20 Years | $1,548 |
| 30 Years | $1,193 |
| 40 Years | $1,147 |
| 50 Years | $1,063 |
| 60 Years | $1,077 |
| 70 Years | $1,254 |
Pittsburgh, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Pittsburgh, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,097 | $313 |
| 3 Vehicles | $3,145 | $470 |
| 4 Vehicles | $4,193 | $627 |
Savings on 2 Vehicles bundle:$313
Savings on 3 Vehicles bundle:$470
Savings on 4 Vehicles bundle:$627
Pittsburgh, PA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Pittsburgh, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Pittsburgh | $1,205 | $1,897 |
| Mount Oliver | $1,345 | $2,117 |
| Allegheny County | $1,415 | $2,227 |
| Millvale | $1,355 | $2,133 |
| Reserve | $1,395 | $2,196 |
| Etna | $1,366 | $2,150 |
| Homestead | $1,332 | $2,097 |
| Green Tree | $1,439 | $2,265 |
Pittsburgh, PA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,034 |
| Excellent (740-799) | $1,180 |
| Good (670-739) | $1,256 |
| Average (580-669) | $1,638 |
| Poor (300-579) | $1,965 |
Pittsburgh, PA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Ken Moore | State Farm | 988 Perry Hwy, Pittsburgh, 15237-2107 | 412-367-2161 |
| Spodek Insurance | Liberty Mutual Independent | 4349 MURRAY AVE, PITTSBURGH, 15217 | 412-521-8600 |
| Ken Mihalcin | Allstate | 3336 Babcock Blvd Rear, Pittsburgh, 15237 | (412) 367-2124 |
| Jay Taylor | Allstate | 5425 Baum Blvd, Pittsburgh, 15232 | (412) 363-6600 |
| Thomas Bianco | Allstate | 3227 W Liberty Ave, Pittsburgh, 15216 | (412) 561-6239 |
| William P Laughlin Insurance Agency Inc | Travelers | 3267 W LIBERTY AVE STE 204, PITTSBURGH, 15216 | 412-344-2522 |
| Cindy Brophy | State Farm | 1580 McLaughln Rn Rd Ste 201, Pittsburgh, 15241-3100 | 412-221-2775 |
| T W Butts Agency Inc | Erie | 4893 Campbells Run Rd. Pittsburg, Pittsburgh, 15205 | None |
| John Reed | Allstate | 279 W Steuben St, Pittsburgh, 15205 | (412) 922-1122 |
| George Reed Agency | None | 340 Siebert Rd , Pittsburgh, 15237 | None |
| William G Neofes Jr | Nationwide | 704 Mcknight Park Dr, Pittsburgh, 15237-6536 | (412) 364-3388 |
Pittsburgh, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$53 | $1,258 |
| Driver's Failure In Showing Documents | +$117 | $1,322 |
| Driving With An Expired Registration | +$124 | $1,329 |
| Driving At A Considerably Slow Pace | +$261 | $1,466 |
| Using A Cellphone While Driving | +$276 | $1,481 |
| Running A Red Light | +$281 | $1,486 |
| Speeding | +$295 | $1,500 |
| Driving A Vehicle Without The Required Permission | +$375 | $1,580 |
| Driving With An Expired/Suspended License | +$812 | $2,017 |
Pittsburgh, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,157 |
| Active Disabling Device | $1,157 |
| Tracking Device | $1,133 |
| Passive Disabling Device | $1,121 |
Latest Auto Insurance Reviews in Pittsburgh, PA | Back to Top
ProgressiveMy car insurance company Progressive car Insurance is having affordable and reasonable premiums and less deductibles than other car insurance companies.
State FarmI like that I can cover all ofmy vehices and not go broke in the process. They offer pretty much the same other places around OK.
Farmer's InsuranceLowest premiums in the business, and adequate coverage. Nothing on the market is competitive and until they give us reason to believe that arent capable they are a nobrainer.
The HartfordI think most policies are the same across the board. The Hartford does not have the whole care replacement policy
AllstateOur insurance coverage is pretty much on par with other agencies. One bonus is that with Allstate, our premium can decline in the accident free years.
ProgressiveTheir customer service is great compared to most others I have been with in the past.
Grange InsuranceThey were empathetic and understood the importance of me getting my vehivle fixed and back in a timely manner. The customer service rep walked me through everything I needed to do.
State FarmI do not think my current provider offers anything different compared to other insurance companies. My car policy is pretty much the same as offered by other companies.
AllstateI have found that AllState seems to offer more in the way of discounts than other companies. They offer multi-policy discounts, good driving record discounts and such as that. I haven't found that with other companies.
AllstateThe company has several packages to choose from and they really work with you to help you decide which package is best for you.
Safeco InsuranceThey provide great customer support and I am always able to get in contact with them when need be. I am very satisfied with their accessibility and customer service.
ProgressiveThis will be hard to get into 20 words as there is nothing to say negative about them at this time as I've not used the service to this point. Well I guess it wasn't so hard after all.
Farmer's InsuranceI am completely satisfied with the ease of access to my agent's office, but I have rarely had occasion to go there as I can easily communicate with them by phone or email. I can also access the Farmers website, but generally I prefer to speak directly with my agent or his assistant. I have found nothing to "dislike" and I have been with Farmers and this agent since 1986.
State FarmI haven't shopped for auto insurance in 10 years, I have no idea what other premiums there are. My premiums have gone up by 20% in the past 2 years with no change in location or milage, however, so it may be time for me to start shopping around.