Best Car Insurance in Pittsburgh 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Pittsburgh.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 9, 2021Toyota Corolla CE1522423Progressive$130/mo.$65/mo.
May 12, 2021Hyundai Elantra Blue1521223Progressive$170/mo.$69/mo.
June 2, 2021Mitsubishi Outlander Sport SE1523725Progressive$192/mo.$83/mo.
March 31, 2021Dodge Ram 2500 ST1521425Travelers$145/mo.$90/mo.
September 12, 2021Hyundai Tucson Limited1520324ClearCover$192/mo.$157/mo.
Here’s more information about what impacts the insurance rates in your Pittsburgh.

How much does car insurance cost in Pittsburgh?

Car insurance in Pittsburgh, Pennsylvania costs single-car drivers an average of $2,514 annually, or about $209 per month. Compared to the state annual average of $2,723, auto insurance in Pittsburgh is $209 lower higher.
Pittsburgh is a big city known for its bridges and professional sports teams. Frequent sports games and visitors add even more traffic to the already busy streets. As a result, Pittsburgh has lots of car accidents and thefts—neither of which bode well for drivers seeking cheap car insurance.
Luckily, the car insurance comparison and broker app Jerry tackles the task for you! Jerry gathers up to 50 quotes from insurers in less than a minute. Once you make your pick, Jerry handles the paperwork, the phone calls, and even helps cancel your old policy.
If you’re in search of car insurance in Pittsburgh, here’s everything you need to know.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Pittsburgh$2,573$1,729$2,305$1,044$2,449$1,810
National Average$3,223$2,143$3,086$1,764$3,423$2,486
PittsburghNational Average
All Coverage Before Jerry
$2,573$3,223
All Coverage After Jerry
$1,729$2,143
Minimum Coverage Before Jerry
$2,305$3,086
Minimum Coverage After Jerry
$1,044$1,764
Full Coverage Before Jerry
$2,449$3,423
Full Coverage After Jerry
$1,810$2,486
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Choosing a carrier in Pittsburgh

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Drivers in Pennsylvania have plenty of options when it comes to car insurance providers.
In the Pittsburgh area, State Farm, Nationwide, and Farmers are popular for their coverage options, customer service, and discount availability.
Your premium will ultimately depend on your demographics, driving history, and vehicle, among other factors. Jerry helps by quickly comparing rates to find the most affordable policy with the best coverage for you.
Here’s what drivers in Pittsburgh paid with various insurance companies before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,280$1,339Compare Prices
Safeco$3,120$1,288Compare Prices
State Auto$2,093$738Compare Prices
Progressive$2,039$694Compare Prices
Nationwide$1,876$392Compare Prices
Travelers$1,846$366Compare Prices
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What kind of car insurance you need in Pittsburgh

In Pittsburgh, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Drivers must demonstrate financial responsibility before hitting the road, which means purchasing a car insurance policy with at least the following:
Pennsylvania law also requires motorists to carry a minimum of $5,000 in medical benefits. This coverage pays any medical bills for you and others covered by your policy, even if you were not at fault in the accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Liability insurance shields the other driver in an at-fault accident, but it doesn’t cover your damages or costs. Purchasing additional coverage is the best way to protect yourself and your vehicle.
Here are some recommended options for drivers in Pittsburgh:
FactorRecommended coverageDescription
High population densityAccident forgivenessPittsburgh’s busy roads mean a high chance for accidents. Accident forgiveness prevents your insurance rates from skyrocketing after your first at-fault incident.
Heavy trafficCollision insuranceThis covers any vehicle damages obtained in a collision with another car or other property.
Uninsured driversUninsured/underinsured motorist coverageThis policy covers property damage, medical bills, and more if you’re in an accident with an underinsured driver.
City roadsRoadside assistanceRoadside assistance is a lifesaver if you end up with a popped tire, dead battery, or locked out of your car.
FloodingComprehensive coverageLike the rest of Pennsylvania, Pittsburgh is subject to winter storms and spring flooding. Comprehensive insurance pays for damage to your vehicle that isn’t the result of a collision.

What determines your car insurance cost in Pittsburgh

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Pittsburgh, you could be paying as much as $47 more per month than an adult driver. These are average rates for Jerry customers in Pittsburgh broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,847$1,532
21-24$2,934$1,133
25-34$2,431$855
35-44$3,058$913
45-54$2,270$657
55-64$950$84
65+$1,412$295
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Pittsburgh with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,324$781
Careless Driving$4,031$2,943
Seat Belt$3,600$1,205
DUI$4,359$1,127
Speeding under 15$3,386$889
Driving on Sus. License$3,336$756
Improper Passing$4,656$512
Failure to Obey Traffic Sign$1,400$259
Other$3,567$1,954
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Where in Pittsburgh you live

It may seem like insurance rates in Pittsburgh should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Pittsburgh, residents of 15205, 15206, 15207, 15202 and 15223 will have the most expensive car insurance rates, while people who live in 15208, 15226, 15221, 15217 and 15209 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Pittsburgh:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
July 2, 202115210Toyota Corolla LPA25State Auto$125/mo.$51/mo.
August 17, 202115208Ford Explorer Eddie BauerPA52Nationwide$180/mo.$67/mo.
July 21, 202115212Nissan Rogue SPA47Safeco$142/mo.$74/mo.
October 13, 202115207Cadillac CTS Premium CollectionPA41Dairyland$300/mo.$110/mo.
July 21, 202115237Mitsubishi Outlander Sport ESPA45National General$300/mo.$156/mo.
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Why is car insurance in Pittsburgh so expensive?

A variety of considerations determine baseline car insurance rates in Pittsburgh. Insurance companies often consider the following:

High accident rate

With over 300,000 residents, Pittsburgh is a large city with lots of drivers—some of whom are uninsured. The city is no stranger to car accidents, which raises the risk level for all drivers.

High crime rate

Pittsburgh has a fairly high crime rate, and the local sports team losing can be enough to set off bouts of property damage and vandalism.

No-fault state

Pennsylvania’s no-fault status means every driver must file a claim on their insurance when they’re in an accident. When there’s a higher chance of you filing a claim, the rates go up.

How can you save money on car insurance in Pittsburgh?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. Consider looking for discounts to save even more money. Discounts are a great way to lower your coverage costs. Most providers offer some discounts, so it’s a good idea to ask your agent what may be available. Here are some common discounts: Customer loyalty (e.g. bundling, early renewal) Demographic (e.g. good student, senior) Driver affiliations (e.g. military, affinity) Driving history (e.g. accident-free, safe driver) Driver training (e.g. defensive driver course) Equipment-related (e.g. anti-theft, new car) Payment (e.g. auto-pay, paperless) Defensive driver (e.g. taking a defensive driving course)
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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