Finding decent, low-cost car insurance is not the easiest thing to do, and finding out which company offers the lowest-priced auto insurance rates for drivers requiring a SR22 will take a bit more work. Every auto insurer uses their own formula for determining prices, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Pennsylvania.
We do need to point out that Pennsylvania auto insurance rates are based on many factors that may substantially change your annual premium. This price fluctuation is why drivers need to compare many different companies when trying to get affordable auto insurance quotes for drivers requiring a SR22. Auto insurance prices can be determined by many things and can decrease or increase without notice, so the best company two years ago may now be an over-priced policy.
Best Car Insurance Prices for SR22 Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $718 |
| 2 | Travelers | $787 |
| 3 | Erie | $792 |
| 4 | USAA | $809 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,091 |
| 10 | GEICO | $1,111 |
| 11 | Allied | $1,190 |
| 12 | State Farm | $1,210 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,229 |
| 15 | Encompass | $1,357 |
| 16 | Harleysville | $1,396 |
| 17 | Mutual Benefit Group | $1,397 |
| 18 | Progressive | $1,429 |
| 19 | Nationwide | $1,433 |
| 20 | Chubb | $1,536 |
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General Casualty quotes some of the cheapest car insurance rates in Pittsburgh at around $718 annually. This is $939 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National also rank well as some of the more affordable Pittsburgh, PA insurance companies.
As shown in the rates above, if you are a customer of Erie and switched to General Casualty, you may see an annual savings of in the neighborhood of $74. Customers with USAA might save as much as $91 a year, and Penn National policyholders might reduce prices by as much as $114 a year.
To find the cheapest coverage for you, click here to get a free quote or visit any of the low-priced companies below.
Understand that those prices are averages for all types of insureds and vehicles and and are not figured with a vehicle location for drivers requiring a SR22. So the company that is best for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
The vehicle that needs insurance is a large factor when looking for the lowest-priced insurance for drivers requiring a SR22. Vehicles with high performance features, a lack of safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models. The next list presents insurance prices for a handful of the most cost-effective vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $3,853 |
| Honda CR-V EX-L 4WD | $4,078 |
| Hyundai Elantra SE Touring Station Wagon | $4,102 |
| Ford Escape Limited 4WD | $4,111 |
| Toyota Prius | $4,144 |
| Toyota RAV4 4WD | $4,560 |
| Ford Explorer XLT 2WD | $4,668 |
| Ford Fusion Sport 4-Dr Sedan | $4,809 |
| Jeep Grand Cherokee Limited 4WD | $4,816 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $4,809 |
| Chevrolet Malibu LTZ | $4,816 |
| Honda Civic DX 4-Dr Sedan | $4,839 |
| Chevrolet Impala LS | $4,849 |
| Honda Odyssey EX W/Rear Entertainment | $4,839 |
| Chevrolet Equinox LS AWD | $4,891 |
| Nissan Altima 2.5 4-Dr Sedan | $4,896 |
| Ford F-150 FX2 2WD | $4,943 |
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Data assumes single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in Pittsburgh, PA location which can influence price quotes substantially.
Based upon these rates, we can expect models like the Honda Accord, Honda CR-V, and Hyundai Elantra will be the most economical vehicles to insure for high risk drivers. The price for an auto insurance policy will be more expensive because there is more risk for drivers requiring a SR22, but in general those particular vehicles will have the cheapest car insurance rates that you are likely to find.
Discount Pittsburgh car insurance
Insurers that offer quotes for drivers requiring a SR22 could also offer special discounts that could reduce prices by as much as 25% or more if you meet certain criteria. A list of companies and some of the premium reductions they offer are shown below.
- AAA offers premium reductions for good driver, pay-in-full, good student, AAA membership discount, education and occupation, multi-policy, and multi-car.
- Progressive has savings for online signing, homeowner, good student, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
- State Farm may have discounts that include anti-theft, good driver, driver’s education, good student, and Drive Safe & Save.
- Esurance may include discounts for Pac-12 alumni, online quote, DriveSense, emergency road assistance, multi-car, and claim free.
- Nationwide policyholders can earn discounts including easy pay, good student, multi-policy, defensive driving, accident-free, Farm Bureau membership, and business or organization.
The chart below illustrates the difference between auto insurance costs with and without discounts applied. The premiums are based on a male driver, two at-fault accidents and one violation, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, multiple policy, continuous coverage, passive restraint, paperless filing, and paid-in-full discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for drivers requiring a SR22 is 29% or $1,008.
The illustration below demonstrates how deductibles can impact premium costs when researching cheap insurance for drivers requiring a SR22. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
As shown above, a 50-year-old driver could save $270 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $408 by using a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save as much as $888 each year by selecting a higher deductible. If you do raise deductibles, it’s a good idea to have enough in a savings account to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Drive responsibly or pay higher rates
The obvious way to receive the best auto insurance prices in Pennsylvania for high risk drivers is to drive attentively and avoid accidents and traffic violations. The illustration below demonstrates how citations and at-fault fender-benders influence insurance premiums for each age group. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of car insurance in Pittsburgh per year with no accidents and a clean driving record is $1,971. Get two speeding tickets and the average cost jumps to $2,637, an increase of $666 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for drivers requiring a SR22 goes up to an average of $3,321. That’s an increase of $1,350, or $112 per month, just for not driving carefully!
Low rates can quickly become overpriced
Pittsburgh, PA auto insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. Simply having a birthday, adding a teenager to your policy, or having an at-fault accident can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition. Also, insurers file new rates without warning to adjust for gains or losses. A period of higher than normal claims can result in additional premium costs, while a lower level of claims can result in cheaper Pittsburgh car insurance rates.
To help illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Pittsburgh, PA for a 35-year-old male driver with no accidents, a clean driving record, and excellent credit. If we estimate rates based on his current risk profile, General Casualty might quote the most affordable car insurance rates in Pittsburgh at $878 each year. This is $779 less than the average price paid by Pennsylvania drivers of $1,657. Penn National, Travelers, Erie, and USAA are also on the list of the best Pittsburgh, PA auto insurance companies.
Let’s now give the driver in the first example a chargeable accident, slightly worse credit, and a speeding citation. Since every car insurance company uses their own calculation for setting rates, comparing quotes could result in a different list of the cheapest car insurance companies in Pittsburgh as shown below.
Auto-Owners now has the cheapest price in Pittsburgh with Atlantic States, Donegal Mutual, Penn National, and Erie also having competitive pricing. This demonstrates why consumers need to compare lots of rates when trying to get the most economical insurance quotes for drivers requiring a SR22. Insurance prices can be altered by many different factors and can change substantially, so the most economical option a year ago may now be one of the higher cost companies.
The professional agents shown below can probably aid you in deciding which coverages you need, since some people prefer to get some professional input when comparing insurance rates for high risk drivers. It can be challenging to find the cheapest rate yourself, and professional agents can provide comfort knowing your coverage gives you sufficient coverage at claim time.
To find a Pittsburgh insurance agent in your neighborhood, click the button below the list or click here to compare price quotes.
- Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008 - Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 - Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700