Cheapest Car Insurance Quotes in Pittsburgh

Finding the cheapest car insurance quotes in Pittsburgh shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Pittsburgh Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Pittsburgh

The car insurance rate in Pittsburgh is $818 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Pittsburgh can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Pittsburgh

$818

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Pittsburgh

1st place: AutoOwners Insurance Co

At $386 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $580 for six months, making it the third cheapest auto insurance company in Pittsburgh.

Pittsburgh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pittsburgh, PA is AutoOwners Insurance Co, offering policies at just $386 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $537.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1023 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pittsburgh drivers find the best deals.

Cheap Car Insurance Companies in Pittsburgh, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$64
American National P&C	$537	$91
Travelers	$580	$98
Westfield	$643	$109
Erie	$798	$134
State Farm	$880	$148
Nationwide	$929	$156
Allstate	$1110	$187
USAA	$1122	$189
Progressive	$1409	$237
Auto-Owners	$399	$68
Encompass	$1023	$170

Key Takeaways

Way's key takeaways about car insurance in Pittsburgh

The auto insurance costs in Pittsburgh fall around $386 for six months.
The cheapest auto insurance company in Pittsburgh is Westfield.
Teen drivers pay the highest rate in Pittsburgh at $645 per month.

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Cheapest Minimum Liability Car Insurance in Pittsburgh

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Pittsburgh are given below.

Westfield provides the cheapest minimum car insurance coverage in Pittsburgh. Their Average 6 Month Premium is $150. AutoOwners is the most expensive at $81 for the same period.

Cheapest Liability Coverage in Pittsburgh, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Auto-Owners Insurance Co	$156	$26
Travelers	$187	$32
Erie	$200	$34
American National P&C	$206	$35
Chubb	$218	$37
State Farm	$261	$44
USAA	$280	$47
Progressive	$318	$53
Nationwide	$324	$56
Allstate	$518	$86
Auto-Owners	$81	$14

Cheapest Full Coverage Car Insurance in Pittsburgh

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Pittsburgh is AutoOwners Insurance Co at $64 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pittsburgh, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$64
American National P&C	$537	$91
Travelers	$580	$98
Westfield	$643	$109
Erie	$798	$134
State Farm	$880	$148
Nationwide	$929	$156
Allstate	$1110	$187
USAA	$1122	$189
Progressive	$1409	$237
Auto-Owners	$399	$68
Encompass	$1023	$170

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Average Car Insurance in Pittsburgh by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Pittsburgh, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Pittsburgh, Pennsylvania, may be increasing due to several external factors. Pennsylvania has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Pittsburgh's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Pittsburgh

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$592
30s	Travelers	$410
40s	Travelers	$385
50s	Travelers	$369
60s	Travelers	$369
70s	Travelers	$434

Cheapest Car Insurance Rates for Teen Drivers in Pittsburgh,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Pittsburgh at $26 per month. At $3867 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$181	$30
American National P&C	$237	$40
Chubb	$261	$44
Travelers	$749	$126
Erie	$917	$154
State Farm	$1254	$211
USAA	$1646	$280
Allstate	$2756	$460
Progressive	$3817	$649
Nationwide	$3867	$645

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Pittsburgh.

As young drivers face the highest rates in Pittsburgh, Travelers offers the cheapest auto insurance rates at $592 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Pittsburgh, Westfield is the cheapest car insurance provider. At $244 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Pittsburgh is State Farm, offering rates of around $3350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$244	$41
Auto-Owners Insurance Co	$250	$42
Chubb	$293	$49
American National P&C	$331	$57
USAA	$948	$158
Nationwide	$961	$162
Erie	$1528	$255
Travelers	$1734	$295
Allstate	$2333	$389
Progressive	$2569	$437
State Farm	$3350	$559

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Car Insurance Rates with An Accident in Pittsburgh

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Pittsburgh, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pittsburgh

The cheapest car insurance companies after an at-fault accident in Pittsburgh include Westfield and AutoOwners Insurance Co, offering $218 and $250, respectively. Donegal is an expensive provider with an average six-month premium of $244.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Auto-Owners Insurance Co	$250	$42
Chubb	$293	$49
American National P&C	$299	$50
Erie	$431	$72
Travelers	$449	$76
State Farm	$462	$78
USAA	$817	$138
Nationwide	$1160	$197
Allstate	$1422	$237
Progressive	$1509	$256
Auto-Owners	$81	$14
Donegal	$244	$41

Pittsburgh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pittsburgh PA. For example, the car insurance in Pittsburgh after a DUI increases to $1048 for a six month policy. While the rate increases by $1154 for a six-month policy in the case of a speeding ticket.

Pittsburgh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1154	$192
Cell phone violation	$1347	$229
Failure to wear a seat belt	$1347	$225
Failure to stop at a red light	$1360	$231
Illegal turn	$1360	$227
Improper passing	$1360	$231
Speeding in school zone	$1360	$227
Texting while driving	$1360	$231
Driving with expired registration	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Wrong way/wrong lane	$1379	$230
Open container	$1460	$248
Reckless driving	$2127	$355
Racing	$2164	$368
DUI	$2202	$366
Driving with a suspended license	$2214	$377
Leaving scene of an accident/hit and run	$2233	$372

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Pittsburgh after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Pittsburgh.

The cheapest car insurance premiums in Pittsburgh are offered by American National P&C at $337 for a six-month policy. However, it can be as expensive as $2613 with companies like Nationwide.

Pittsburgh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$337	$56
Travelers	$530	$89
Erie	$785	$132
Allstate	$1004	$169
Progressive	$1061	$179
State Farm	$1067	$180
USAA	$1116	$188
Nationwide	$2613	$440

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Pittsburgh are offered by Westfield at $131. However, it can be as expensive as $1691 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pittsburgh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
Auto-Owners Insurance Co	$168	$28
Erie	$480	$81
Travelers	$480	$81
State Farm	$549	$92
USAA	$1061	$176
Allstate	$1422	$242
Progressive	$1509	$252
Nationwide	$1691	$288

Car Insurance Price Trends in Pittsburgh, Pennsylvania

Car insurance rates in Pittsburgh have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Pittsburgh rose by $177 in January compared to $175 of December. In other words, there has been an increase by $2 when you compare January and December.

The average cost of liability insurance in the Pittsburgh rose to $40 in January, compared to $39 in December. This represents an increase of $1 when comparing January and December.

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Average Car Insurance Cost in Pittsburgh by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Pittsburgh. At $842 for a six-month policy, insuring your car at 15241 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
15241	$842	$141
15201	$826	$138
15223	$817	$137
15222	$817	$137
15243	$826	$138
15221	$850	$143
15220	$834	$140
15205	$842	$141
15227	$850	$143
15226	$826	$138
15204	$826	$138
15203	$826	$138
15225	$817	$137
15202	$834	$140
15224	$826	$138
15209	$826	$138
15208	$826	$138
15229	$834	$140
15207	$826	$138
15228	$834	$140
15206	$850	$143
15212	$850	$143
15234	$826	$138
15233	$817	$137
15211	$826	$138
15232	$826	$138
15210	$842	$141
15238	$826	$138
15216	$842	$141
15237	$867	$145
15215	$826	$138
15214	$834	$140
15236	$850	$143
15213	$850	$143
15235	$858	$144
15219	$834	$140
15218	$826	$138
15239	$842	$141
15217	$850	$143

Frequently Asked Questions

How much is car insurance in Pittsburgh?

The car insurance in Pittsburgh is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Pittsburgh?

The cheapest car insurance in Pittsburgh is $64 per month for full coverage.

How much is car insurance in Pittsburgh for teenagers?

Car insurance for teenagers costs $156 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Pittsburgh?

The average cost of car insurance is $779 for a six-month policy. It will cost around $138 per month to insure your car in Pittsburgh.

Is car insurance expensive in Pittsburgh?

Car insurance can be expensive in Pittsburgh if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Pittsburgh can be affordable.

Cheapest Car Insurance Quotes in Pittsburgh

Why you can trust Way?

How Much Is Car Insurance in Pittsburgh

Avg. Car Insurance in Pittsburgh

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Pittsburgh

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Pittsburgh Car Insurance Rates by Company

Cheap Car Insurance Companies in Pittsburgh, PA

Way's key takeaways about car insurance in Pittsburgh

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pittsburgh

Cheapest Liability Coverage in Pittsburgh, PA

Cheapest Full Coverage Car Insurance in Pittsburgh

Cheapest Full Coverage Car Insurance Quotes in Pittsburgh, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pittsburgh by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Pittsburgh, PA increasing?

Car Insurance Premiums by Age in Pittsburgh

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pittsburgh,PA

If you are in your twenties Travelers is the best choice for car insurance in Pittsburgh.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Pittsburgh

Cheapest Car Insurance Companies after an At-Fault Accident in Pittsburgh

Pittsburgh Car Insurance Rates by Violation

Pittsburgh auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pittsburgh after a DUI

Pittsburgh car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pittsburgh after Speeding ticket

Car Insurance Price Trends in Pittsburgh, Pennsylvania

Average Car Insurance Cost in Pittsburgh by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pittsburgh, PA

Car Insurance Rates by State in the USA (2025 Update)

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