Pittsburgh Auto Insurance Rates, Quotes, Agents & Reviews in PA

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.

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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 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

My car insurance company Progressive car Insurance is having affordable and reasonable premiums and less deductibles than other car insurance companies.
State Farm
I 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 Insurance
Lowest 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 Hartford
I think most policies are the same across the board. The Hartford does not have the whole care replacement policy
Our 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.
Their customer service is great compared to most others I have been with in the past.
Grange Insurance
They 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 Farm
I 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.
I 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.
The company has several packages to choose from and they really work with you to help you decide which package is best for you.
Safeco Insurance
They 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.
This 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 Insurance
I 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 Farm
I 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.