insure logo

Why you can trust

quality icon

Quality Verified

At, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average car insurance cost in Pittsburgh, Pennsylvania is $1,464 per year, according to data. This is $19 more than the average auto insurance cost in Pennsylvania and $218 less than the national average.

Average cost in PittsburghAverage cost in PennsylvaniaNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums, making it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

Read on to learn more about the cheapest car insurance providers in Pittsburgh, the average car insurance rates by age and gender, and how much car insurance is in Pittsburgh based on coverage limits.

Key Takeaways

  • The average car insurance cost in Pittsburgh, Pennsylvania is $1,464 per year.
  • Nationwide offers the cheapest car insurance in Pittsburgh, at an average of $898 per year.
  • Young adults pay $2,673 per year for car insurance in Pittsburgh.

Cheap car insurance companies in Pittsburgh

Nationwide offers the cheapest car insurance in Pittsburgh at an average of $898 per year with full coverage limits of 100/300/100.

The second cheapest company in Pittsburgh is Travelers, offering car insurance rates at $1,169 per year.

Car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Pittsburgh before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Pittsburgh, Pennsylvania:

Company NameAverage annual costAverage monthly cost
Erie Insurance$1,204$100
State Farm$1,233$103
Farmers Insurance$3,157$263

Read about the best car insurance companies.

Average car insurance cost in Pittsburgh by coverage limits

In Pittsburgh, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $427 per year (limits are 25/50/25)
  • Liability only coverage: $531 per year (limits are 50/100/50)
  • Full coverage: $1,464 per year (limits are 100/300/100)
  • Non-owners coverage: $352 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on coverage and paying out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Pittsburgh

The average car insurance rate for a female driver in Pittsburgh, Pennsylvania, is $1,464 per year.

The rate for a male driver is $1,464 per year, which is same as what female drivers pay, according to a rate analysis by

Women are considered to be safer drivers than men, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Pittsburgh

In Pittsburgh, car insurance rates are the highest for teens, at $5,951 per year or $496 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. Teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates will decrease as teens age and earn a good driving record. Young adults pay $2,673 per year for their car insurance, which is $3278 less than what the teens pay for their insurance policy.

The car insurance rates in Pittsburgh for adult and senior drivers are $1,510 and $1,419 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$5,951
Young adults (20- to 24-year-olds)$2,673
Adults (25- to 55-year-olds)$1,510
Seniors (60- to 75-year-olds)$1,419

If we look at the car insurance rate trends in Pittsburgh, Pennsylvania, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates decreased overall by 11%, or $172.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates


In conclusion, the insurance rates in Pittsburgh, are higher than the average insurance cost in Pennsylvania. By shopping around and taking advantage of available discounts, drivers in Pittsburgh can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.


Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other cities

author image
Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.