Cheapest Car Insurance Quotes in Wilkinsburg

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Wilkinsburg Car Insurance

^$ 28

/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 Wilkinsburg

The car insurance rate in Wilkinsburg is $935 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in Wilkinsburg 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 Wilkinsburg

$935

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Wilkinsburg

1st place: AutoOwners Insurance Co

At $423 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 $588 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $704 for six months, making it the third cheapest auto insurance company in Wilkinsburg.

Wilkinsburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wilkinsburg, PA is AutoOwners Insurance Co, offering policies at just $423 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $588.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1120 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilkinsburg drivers find the best deals.

Cheap Car Insurance Companies in Wilkinsburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$70
American National P&C	$588	$100
Westfield	$704	$117
Travelers	$758	$128
Erie	$922	$155
Nationwide	$1073	$181
State Farm	$1093	$184
Allstate	$1216	$205
USAA	$1291	$217
Progressive	$1605	$270
Auto-Owners	$437	$75
Encompass	$1120	$186

Key Takeaways

Way's key takeaways about car insurance in Wilkinsburg

The auto insurance costs in Wilkinsburg fall around $423 for six months.
The cheapest auto insurance company in Wilkinsburg is Westfield.
Teen drivers pay the highest rate in Wilkinsburg at $836 per month.

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Cheapest Minimum Liability Car Insurance in Wilkinsburg

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 Wilkinsburg are given below.

Westfield provides the cheapest minimum car insurance coverage in Wilkinsburg. Their Average 6 Month Premium is $164. AutoOwners is the most expensive at $89 for the same period.

Cheapest Liability Coverage in Wilkinsburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
Auto-Owners Insurance Co	$171	$29
Erie	$218	$37
American National P&C	$225	$38
Chubb	$239	$40
Travelers	$253	$43
USAA	$300	$51
State Farm	$314	$53
Nationwide	$402	$68
Progressive	$458	$77
Allstate	$615	$103
Auto-Owners	$89	$15

Cheapest Full Coverage Car Insurance in Wilkinsburg

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 Wilkinsburg is AutoOwners Insurance Co at $70 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wilkinsburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$70
American National P&C	$588	$100
Westfield	$704	$117
Travelers	$758	$128
Erie	$922	$155
Nationwide	$1073	$181
State Farm	$1093	$184
Allstate	$1216	$205
USAA	$1291	$217
Progressive	$1605	$270
Auto-Owners	$437	$75
Encompass	$1120	$186

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Average Car Insurance in Wilkinsburg 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 Wilkinsburg, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Wilkinsburg, 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, Wilkinsburg's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Wilkinsburg

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

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Cheapest Car Insurance Rates for Teen Drivers in Wilkinsburg,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wilkinsburg at $29 per month. At $5014 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$198	$33
American National P&C	$260	$44
Chubb	$286	$48
Erie	$1175	$198
Travelers	$1352	$228
State Farm	$1947	$328
USAA	$2275	$386
Allstate	$2965	$494
Progressive	$2972	$505
Nationwide	$5014	$836

Teen Car Insurance Rates in PA by Age

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 Wilkinsburg, Westfield is the cheapest car insurance provider. At $267 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 Wilkinsburg is State Farm, offering rates of around $5451 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$267	$45
Auto-Owners Insurance Co	$274	$46
Chubb	$321	$54
American National P&C	$362	$62
USAA	$1168	$194
Nationwide	$1216	$205
Erie	$2131	$355
Allstate	$2568	$437
Travelers	$2800	$467
Progressive	$3129	$532
State Farm	$5451	$908

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Car Insurance Rates with An Accident in Wilkinsburg

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 Wilkinsburg, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Wilkinsburg include Westfield and AutoOwners Insurance Co, offering $239 and $274, respectively. Donegal is an expensive provider with an average six-month premium of $267.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Auto-Owners Insurance Co	$274	$46
Chubb	$321	$54
American National P&C	$328	$55
Erie	$546	$92
State Farm	$635	$107
Travelers	$758	$128
USAA	$983	$166
Nationwide	$1510	$256
Allstate	$1557	$260
Progressive	$1845	$314
Auto-Owners	$89	$15
Donegal	$267	$45

Wilkinsburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wilkinsburg PA. For example, the car insurance in Wilkinsburg after a DUI increases to $1148 for a six month policy. While the rate increases by $1264 for a six-month policy in the case of a speeding ticket.

Wilkinsburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1264	$210
Cell phone violation	$1475	$251
Failure to wear a seat belt	$1475	$246
Failure to stop at a red light	$1489	$253
Illegal turn	$1489	$248
Improper passing	$1489	$253
Speeding in school zone	$1489	$248
Texting while driving	$1489	$253
Driving with expired registration	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Wrong way/wrong lane	$1510	$252
Open container	$1598	$271
Reckless driving	$2330	$389
Racing	$2370	$402
DUI	$2412	$401
Driving with a suspended license	$2425	$413
Leaving scene of an accident/hit and run	$2446	$407

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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 Wilkinsburg 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 Wilkinsburg.

The cheapest car insurance premiums in Wilkinsburg are offered by American National P&C at $369 for a six-month policy. However, it can be as expensive as $3176 with companies like Nationwide.

Wilkinsburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$369	$61
Travelers	$792	$133
Erie	$990	$167
Allstate	$1099	$185
Progressive	$1202	$202
State Farm	$1401	$236
USAA	$1408	$237
Nationwide	$3176	$535

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 Wilkinsburg are offered by Westfield at $144. However, it can be as expensive as $2214 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Wilkinsburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Auto-Owners Insurance Co	$184	$31
Erie	$635	$107
State Farm	$813	$137
Travelers	$881	$148
USAA	$1305	$217
Allstate	$1557	$265
Progressive	$1872	$312
Nationwide	$2214	$376

Car Insurance Price Trends in Wilkinsburg, Pennsylvania

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

The average cost of full coverage in the Wilkinsburg rose by $210 in January compared to $194 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Wilkinsburg rose to $52 in January, compared to $44 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Wilkinsburg?

The car insurance in Wilkinsburg is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Wilkinsburg?

The cheapest car insurance in Wilkinsburg is $70 per month for full coverage.

How much is car insurance in Wilkinsburg for teenagers?

Car insurance for teenagers costs $171 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 Wilkinsburg?

The average cost of car insurance is $813 for a six-month policy. It will cost around $156 per month to insure your car in Wilkinsburg.

Is car insurance expensive in Wilkinsburg?

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

Cheapest Car Insurance Quotes in Wilkinsburg

Why you can trust Way?

How Much Is Car Insurance in Wilkinsburg

Avg. Car Insurance in Wilkinsburg

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Wilkinsburg

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Wilkinsburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Wilkinsburg, PA

Way's key takeaways about car insurance in Wilkinsburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wilkinsburg

Cheapest Liability Coverage in Wilkinsburg, PA

Cheapest Full Coverage Car Insurance in Wilkinsburg

Cheapest Full Coverage Car Insurance Quotes in Wilkinsburg, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wilkinsburg by Rating Factor

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

Car Insurance Premiums by Age in Wilkinsburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wilkinsburg,PA

If you are in your twenties N/A is the best choice for car insurance in Wilkinsburg.

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 Wilkinsburg

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

Wilkinsburg Car Insurance Rates by Violation

Wilkinsburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wilkinsburg after a DUI

Wilkinsburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wilkinsburg after Speeding ticket

Car Insurance Price Trends in Wilkinsburg, Pennsylvania

Average Car Insurance Cost in Wilkinsburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wilkinsburg, PA

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

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