The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, in particular when shopping around for the lowest insurance prices for uninsured drivers. To help control this cost, let’s start the ball rolling by going over some situations that determine auto insurance prices, and see if we can help you reduce the cost of your next policy.
Establishing which company quotes the most affordable insurance rates for uninsured drivers will take a little more effort than just getting one or two price quotes. Every insurance company has a unique approach for determining rates in each state, so we’ll take a look at the most budget-friendly insurance companies in Pittsburgh, PA.
Best Auto Insurance Prices in Pennsylvania
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | USAA | $793 |
| 3 | Erie | $800 |
| 4 | Travelers | $803 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $993 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,145 |
| 11 | Allied | $1,179 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,198 |
| 14 | State Auto | $1,267 |
| 15 | Harleysville | $1,396 |
| 16 | Encompass | $1,398 |
| 17 | Progressive | $1,414 |
| 18 | Nationwide | $1,433 |
| 19 | Mutual Benefit Group | $1,439 |
| 20 | Chubb | $1,583 |
| Find Cheaper Rates Go | ||
General Casualty generally has some of the most affordable car insurance rates in Pittsburgh at around $726 each year. USAA, Erie, Travelers, and Penn National would also be considered some of the more affordable Pittsburgh, PA car insurance companies.
As the example above demonstrates, if you currently have coverage with Travelers and switched to USAA, you could see savings of about $10. Insureds with Penn National may save as much as $39 a year, and Auto-Owners customers might see rate reductions of $200 a year.
If you would like to find cheaper car insurance rates, click here to begin a quote or click several companies below for low rates.
Understand that those premiums are averages for all insureds and vehicles and and are not calculated with a vehicle location for uninsured drivers. So the car insurance company that fits your situation best may not even be in the top 30 companies shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.
One of the more important factors that are looked at to determine car insurance rates is where you live. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The illustration below lists the most expensive places in Pennsylvania for uninsured drivers to purchase auto insurance in. Pittsburgh ranks #13 with an annual rate of $1,063 for the average policyholder, which is around $89 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $2,057 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,379 |
| 5 | Norristown | $1,320 |
| 6 | Erie | $1,115 |
| 7 | Reading | $1,110 |
| 8 | Allentown | $1,108 |
| 9 | Easton | $1,091 |
| 10 | Bethlehem | $1,087 |
| 11 | Hazleton | $1,078 |
| 12 | Scranton | $1,071 |
| 13 | Pittsburgh | $1,063 |
| 14 | Plum | $1,057 |
| 15 | Wilkes-Barre | $1,057 |
| 16 | Municipality of Monr | $1,049 |
| 17 | New Castle | $1,046 |
| 18 | Bethel Park | $1,019 |
| 19 | Harrisburg | $1,015 |
| 20 | Altoona | $1,002 |
| 21 | Williamsport | $986 |
| 22 | Lancaster | $965 |
| 23 | York | $926 |
| 24 | Lebanon | $922 |
| 25 | State College | $878 |
| Find Cheaper Insurance Go | ||
Rate information is estimated as the specific garaging location can raise or lower coverage prices greatly.
Cost of full coverage in Pittsburgh
Paying a lower price for insurance should be important to most drivers, and a great way to save on the cost of insurance for uninsured drivers is to only buy liability insurance. The information below compares insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs $1,844 per year over liability only. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no definitive rule for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying more than $200 a year to have full coverage, then you may want to consider only buying liability coverage.
The illustration below shows how choosing a deductible can raise or lower yearly insurance costs when searching for cheap insurance for uninsured drivers. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could lower rates by $314 a year by increasing from a $100 deductible to a $500 deductible, or save $472 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, can save as much as $796 or more by choosing a higher deductible.
If you do raise deductibles, it will be required to have spare funds to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find more affordable auto insurance for uninsured drivers
Here are some thrifty solutions that can help drivers get low-cost coverage.
- Tickets and violations raise rates
- Increase physical damage deductibles
- Do not get into accidents that are your fault
- If possible, pay for small claims out-of-pocket
- Buying home and auto together can help save money
- Pay cheaper rates with good credit scores
- Look for cheaper rates once a year by shopping around
The final tip is especially significant, as was discussed in this write-up. Insurance prices go up and down frequently, so don’t be unwilling to switch carriers if a lower price can be found. Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying a lot of money. It takes less than five minutes to shop around and find cheaper insurance for uninsured drivers in Pittsburgh.
The insurance agents in Pittsburgh listed below can probably help you make a decision which car insurance policy is best, as some drivers have questions and prefer to get some professional input when shopping around for cheaper insurance for drivers with no prior coverage. It’s not always simple to find the best coverage yourself, and using a licensed agent can give you comfort knowing your policy gives you adequate coverage if you have an accident or claim. To locate a Pittsburgh car insurance agency closest to you, click the button at the bottom of the list or click here to compare rates now.
- Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 - James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 - Paul Lukitsch – State Farm Insurance Agent
200 Fleet St #100 – Pittsburgh, PA 15220 – (412) 921-2008