Knowing auto insurance is crucial for your financial security and peace of mind if you drive in Pittsburgh. It’s not simply a legal need. Having the proper auto insurance coverage in Pittsburgh is essential due to the city’s busy metro region, diverse weather patterns, and significant traffic in some areas. Everything you need to know about Car Insurance Pittsburgh will be covered in this article, including coverage options, leading providers, and premium-saving advice.
Required Auto Insurance Coverage for Pittsburgh Drivers
- Liability coverage for bodily injuries: $15,000 per individual and $30,000 per accident
- Liability coverage for property damage: $5,000
- Underinsured motorist coverage: $15,000 per person/$30,000 per accident. In addition to uninsured motorist coverage, * Medical payments for first-party benefits: $5,000
Average Car Insurance Pittsburgh by Rating Factor
Insurance companies use several rating characteristics that drivers possess to establish individual prices for auto insurance. The information about drivers that establishes their degree of risk as insured drivers is known as a rating factor. These may include credit score, location, age, gender, and other details. The degree to which these characteristics affect your premium might differ from one insurer to another, even though most of them utilize the same rating elements.
It’s crucial to remember that certain rating elements are subject to alter over time, which might affect which auto insurance company is best for you. You can find out if you are still getting the cheapest prices by routinely getting fresh quotations.
Why does Car Insurance Pittsburgh seem expensive?
Location: Your geographic location inside Pittsburgh affects your insurance rates in addition to your credit score and driving history. The rates of theft, crime, and uninsured drivers vary by ZIP code. Your vehicle insurance rate will probably be higher than that of people who live in a safer region if your neighborhood is renowned for having higher crime rates.
Weather: Certain climates or areas that frequently encounter natural catastrophes, storms, or flooding will put insurance firms at more risk, which may raise rates. We strongly advise you to have comprehensive coverage in your Pittsburgh policy if you are worried about potential loss because it covers weather-related harm.
Business costs: As was already noted, the cost of living has gone up in most places, which often implies that vehicle insurance companies have to pay more to operate. Higher rates are the result of these expenses being passed on to the customer. Both people with spotless driving histories and those who don’t drive very much due to living in a pricey neighborhood may be impacted by this.
Drivers: Heavy traffic, which invariably results in more accidents, is not unique to Pittsburgh. Even for drivers who have never been in an accident, this results in an increase in the expenses linked to accident-related claims, which are then passed on to other drivers in the region through increased insurance rates. Additionally, around 28% of drivers in Pittsburgh do not have insurance, which puts other drivers at greater danger. To protect yourself if you are in an accident with an uninsured driver, think about getting uninsured motorist protection (UMP).
Auto insurance rates with an at-fault accident
Claims involving crashes and the at-fault motorist are the most prevalent kind of insurance claims. Pittsburgh’s average monthly auto insurance premiums increased from $15 to $75 in 2025 due to an at-fault collision. Travelers is the least expensive insurance provider in Pittsburgh following an at-fault collision.
No matter where you live, maintaining a spotless driving record can help you keep your vehicle insurance premiums low. Numerous variables, such as speeding tickets, at-fault collisions, reckless driving charges, and DUIs and DWIs, will influence your insurance rates.
The severity of the citation or accident will determine how long your premiums will be impacted, which may be anywhere from three to five years. DUIs and DWIs can have a longer-lasting effect on your record than at-fault collisions and speeding citations, which typically remain on it for three to five years.
| Company | Avg. 6 Mo. Premium |
| Travelers | $737 |
| State Farm | $858 |
| Erie | $931 |
| Allstate | $985 |
| Nationwide | $1,002 |
| GEICO | $1,184 |
| USAA | $1,468 |
| Progressive | $1,731 |
Pittsburgh car insurance rates by credit score
| Company | Avg. 6 Mo. Premium |
| Nationwide | $808 |
| USAA | $1,049 |
| Allstate | $1,291 |
| GEICO | $1,351 |
| Travelers | $1,420 |
| State Farm | $1,471 |
| Progressive | $1,812 |
| Erie | $1,842 |
Auto insurance premiums by age in Pittsburgh
Age is one of the most important rating factors for auto insurance providers. Teen drivers and their parents are frequently shocked to learn that their vehicle insurance rates are much higher than those of other age groups.
Teenagers bear the brunt of the highest auto insurance premiums in many places due to their greater accident risk, according to data gathered by insurers. The insurance company can balance the cost of claims with these higher costs.
Teenage drivers’ new policy rates in Pittsburgh are, on average, $3,044 more expensive annually than those of drivers in their 20s. Remember that it isn’t personal, even if it might not feel completely equal. The goal of an insurance is to assist protect against the danger posed by novice drivers, and as drivers age and acquire more driving experience, their premiums will start to drop.
| Company | Avg. 6 Mo. Premium |
| Travelers | $1,220 |
| Erie | $1,809 |
| GEICO | $1,902 |
| Nationwide | $2,082 |
| State Farm | $2,291 |
| USAA | $2,626 |
| Progressive | $3,243 |
| Allstate | $6,442 |
Pittsburgh car insurance rates by company
According to our research for 2025, Travelers offers the lowest full-coverage vehicle insurance in Pittsburgh at $88 per month or $528 for a six-month policy. Nationwide is the city’s second-cheapest insurance provider, at $100 a month or $600 for a month of coverage. Want to know more about the best auto insurance providers? One useful tool that might provide you with the information you want is Zebra’s Customer Satisfaction Survey.
| Company | Avg. 6 Mo. Premium |
| Travelers | $504 |
| Nationwide | $533 |
| Erie | $673 |
| State Farm | $700 |
| GEICO | $725 |
| Allstate | $750 |
| Progressive | $938 |
| USAA | $986 |
Conclusion
Because of shifting prices, traffic patterns, and regional risk variables, it’s more crucial than ever to comprehend Car Insurance Pittsburgh in 2025. You can make the best decision by being knowledgeable about everything from necessary coverage to pricing comparisons by provider, age, and credit score. To reduce rates, find the best provider, keep a spotless driving record, and compare prices frequently.