Car Insurance for Pittsburgh in 2024

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Drivers in Pittsburgh pay an average of $2,194 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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If you’re looking for cheap car insurance in Pittsburgh, Pennsylvania, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Pittsburgh — or anywhere.

To find the cheapest companies in Pittsburgh, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Pittsburgh driving a 2021 Toyota Camry LE.

Read on to find out how auto insurance companies in Pittsburgh stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Pittsburgh

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Pittsburgh, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
Travelers$1,235
NerdWallet rating 

5.0

/5
American National$1,466
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,491
NerdWallet rating 

5.0

/5
Erie$1,515
NerdWallet rating 

4.0

/5
Cumberland Mutual$1,604Not yet rated
Selective$1,788Not yet rated
Nationwide$1,869
NerdWallet rating 

4.5

/5
Geico$2,051
NerdWallet rating 

5.0

/5
Westfield$2,085Not yet rated
State Farm$2,152
NerdWallet rating 

5.0

/5

Average car insurance cost in Pittsburgh and Pennsylvania

Rates across Pennsylvania differ from those in Pittsburgh for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Pennsylvania is $2,063, while in Pittsburgh, it's $2,194.

Average city rateAverage state rate
$2,194$2,063

Average cost of car insurance in Pittsburgh’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Pittsburgh and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
15237$2,011
15235$2,327
15236$1,995
15213$2,203
15227$2,184
15221$2,327
15206$2,220
15212$2,270
15217$2,154
15210$2,355

Cheap car insurance in Pittsburgh by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Pittsburgh for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Pittsburgh pay, on average.

CompanyRateNerdWallet Rating
Travelers$2,042
NerdWallet rating 

5.0

/5
American National$2,732
NerdWallet rating 

3.0

/5
Selective$2,806Not yet rated
Geico$3,197
NerdWallet rating 

5.0

/5
Erie$3,497
NerdWallet rating 

4.0

/5
Cumberland Mutual$3,782Not yet rated
Auto-Owners Insurance$3,976
NerdWallet rating 

5.0

/5
Nationwide$4,165
NerdWallet rating 

4.5

/5
Westfield$4,480Not yet rated
State Farm$5,227
NerdWallet rating 

5.0

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Pittsburgh, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
Travelers$1,235
NerdWallet rating 

5.0

/5
American National$1,466
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,491
NerdWallet rating 

5.0

/5
Erie$1,515
NerdWallet rating 

4.0

/5
Cumberland Mutual$1,604Not yet rated
Selective$1,788Not yet rated
Nationwide$1,869
NerdWallet rating 

4.5

/5
Geico$2,051
NerdWallet rating 

5.0

/5
Westfield$2,085Not yet rated
State Farm$2,152
NerdWallet rating 

5.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Pittsburgh, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Travelers$1,069
NerdWallet rating 

5.0

/5
Cumberland Mutual$1,072Not yet rated
American National$1,236
NerdWallet rating 

3.0

/5
Erie$1,304
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,376
NerdWallet rating 

5.0

/5
Selective$1,456Not yet rated
Nationwide$1,643
NerdWallet rating 

4.5

/5
Westfield$1,818Not yet rated
Geico$1,874
NerdWallet rating 

5.0

/5
State Farm$1,904
NerdWallet rating 

5.0

/5

Pittsburgh’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Pittsburgh by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Pittsburgh according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Travelers$1,235
NerdWallet rating 

5.0

/5
American National$1,466
NerdWallet rating 

3.0

/5
Auto-Owners Insurance$1,491
NerdWallet rating 

5.0

/5
Erie$1,515
NerdWallet rating 

4.0

/5
Cumberland Mutual$1,604Not yet rated
Selective$1,788Not yet rated
Nationwide$1,869
NerdWallet rating 

4.5

/5
Geico$2,051
NerdWallet rating 

5.0

/5
Westfield$2,085Not yet rated
State Farm$2,152
NerdWallet rating 

5.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Pittsburgh according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Travelers$1,762
NerdWallet rating 

5.0

/5
Cumberland Mutual$2,171Not yet rated
American National$2,196
NerdWallet rating 

3.0

/5
Erie$2,625
NerdWallet rating 

4.0

/5
Allstate$2,932
NerdWallet rating 

4.5

/5
State Farm$3,273
NerdWallet rating 

5.0

/5
Auto-Owners Insurance$3,281
NerdWallet rating 

5.0

/5
Selective$3,296Not yet rated
Progressive$3,406
NerdWallet rating 

4.5

/5
Geico$3,727
NerdWallet rating 

5.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Pittsburgh, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Cumberland Mutual$1,604Not yet rated
Travelers$1,646
NerdWallet rating 

5.0

/5
American National$2,058
NerdWallet rating 

3.0

/5
Erie$2,128
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$2,155
NerdWallet rating 

5.0

/5
Selective$2,508Not yet rated
State Farm$2,798
NerdWallet rating 

5.0

/5
Nationwide$2,937
NerdWallet rating 

4.5

/5
Geico$3,304
NerdWallet rating 

5.0

/5
Westfield$3,704Not yet rated

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet found median insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2021 Toyota Camry LE and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are median rates generated through Quadrant Information Services. Your own rates will be different.