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Best cheap car insurance in Pittsburgh

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As with anywhere else in the country, drivers in Pittsburgh want the best cheap auto insurance coverage they can find. The good news is that drivers in Pittsburgh pay, on average, a bit less than what drivers pay nationally. Drivers with full coverage car insurance in Pittsburgh pay, on average, $1,504 per year, while the average national cost of full coverage insurance is $1,674 annually. Pittsburgh drivers pay, on average, $488 per year for minimum coverage car insurance. That is also lower than the national average cost for minimum car insurance, which is $565 per year.

That’s just the average, though. Some insurance companies offer coverage that’s cheaper than the average. The cheapest car insurance in Pittsburgh is offered by Auto-Owners, according to Bankrate’s research, followed by Geico and State Farm. To help you narrow down the options, we researched insurance providers in Pittsburgh to determine which offer the best cheap car insurance in Pittsburgh, based on average rates, customer service ratings and financial stability.

Best cheap car insurance companies in Pittsburgh

To find the best cheap car insurance companies in Pittsburgh, Bankrate analyzed quoted premium data from Quadrant Information Services and found that the cheapest car insurance in Pittsburgh is from Auto-Owners, Geico, State Farm and USAA. We also reviewed each provider’s coverage offerings, discounts, policy features, third-party customer satisfaction ratings and financial strength ratings.

We combined these factors and rated them on a scale with a maximum of five points, called the Bankrate Score. Using the Bankrate Score, drivers can better assess their priorities in finding the best Pennsylvania car insurance. Our final choices all reflect average rates that make them among the lowest in Pennsylvania.

Insurance company Bankrate Score J.D. Power score (Mid-Atlantic Region) Average annual premium for full coverage Average annual premium for minimum coverage
Auto-Owners 4.5 NA $1,351 $382
Geico 4.7 835/1,000 $1,405 $433
State Farm 4.7 851/1,000 $1,457 $539
USAA* 5.0 896/1,000 $1,488 $384

*Not officially ranked by J.D. Power due to eligibility restrictions

Auto-Owners

Auto-Owners is also known for having low rates — which includes the low average premium costs in Pittsburgh. Auto-Owners offers all of the basic coverage options you expect, along with road service, loan gap coverage and more. A personal Automobile Plus package has 10 additional coverages, including identity theft and cell phone replacement. The company offers a good handful of discounts, as well.

However, the Auto-Owners website offers minimal features, and you’ll need to talk to an agent to get a quote or file a claim.

Learn more: Auto-Owners Insurance review

Geico

Geico offers affordable average rates for Pittsburgh drivers looking for the cheapest car insurance companies. Geico also offers an extensive list of discounts, including a discount for federal employees and several that are based on your safety record behind the wheel. Military members who are deployed may also be eligible to receive up to 25% off of their insurance premiums. Plus, Geico’s website is user-friendly, making it easy to manage your account without having to wait on hold for an agent.

Learn more: Geico Insurance review

State Farm

As the largest car insurance company in the U.S., State Farm offers extensive coverage options, good discounts and a state-of-the-art website. It also scores well with J.D. Power and AM Best. If you are driving for Uber or Lyft, State Farm has coverage options with insurance tailored to rideshare drivers. State Farm also offers two telematics programs, Drive Safe and Save and Steer Clear, which are geared toward drivers under the age of 25. These telematics programs collect real time data on your driving habits and reward good drivers with up to 30% off of their premiums.

Learn more: State Farm Insurance review

USAA

USAA scores highly on most lists because it offers affordable coverage options and excellent customer service. It received a Bankrate Score of 5, and it rated higher than the other providers on the J.D. Power Mid-Atlantic Region list, despite not being officially ranked due to the membership requirement.

However, USAA is only available to its members, which are limited to active military members, veterans and their qualified families. If you fit in that category, USAA can often be a great option for auto insurance policies. They also offer a small handful of discounts that are geared toward the military.  You can save up to 60%, for example, if you are deployed.

Learn more: USAA Insurance review

How to get and keep the cheapest car insurance in Pittsburgh

If you’re hoping to get — and keep — the cheapest car insurance in Pittsburgh, it starts with good driving habits and a clean driving record. Insurance providers typically charge higher rates if you have blemishes on your driving record, so you’ll want to keep your record clean to get the most affordable rates. You can also:

  • Shop around before you buy. If having the cheapest rates is your biggest concern when looking for car insurance, don’t settle on the first company you get a quote from. You may be surprised to find that different companies offer different rates for the same coverage. Since quotes are free, it costs you nothing to compare and find the best rate for your unique situation.
  • Review your policy regularly. It’s also important to regularly review your policy. For one thing, your circumstances might change. You might get married or have a baby, for example — which would change your insurance needs. You may also be able to save money by eliminating collision and comprehensive coverage as your vehicle ages and you’re less likely to want to repair it if you’re in an accident.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor