One of the many criteria that aid in calculating the amount you pay each year for auto insurance is where you normally keep your vehicle. Cities with larger populations likely pay more, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The information below shows the most expensive places in Pennsylvania for drivers with good credit in which to purchase auto insurance. Pittsburgh makes the list at #14 with an annual cost of $1,053 for coverage, which is approximately $88 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,393 |
| 4 | Levittown | $1,379 |
| 5 | Norristown | $1,320 |
| 6 | Allentown | $1,130 |
| 7 | Erie | $1,104 |
| 8 | Easton | $1,102 |
| 9 | Hazleton | $1,088 |
| 10 | Municipality of Monr | $1,081 |
| 11 | Wilkes-Barre | $1,079 |
| 12 | Reading | $1,077 |
| 13 | New Castle | $1,057 |
| 14 | Pittsburgh | $1,053 |
| 15 | Plum | $1,047 |
| 16 | Bethlehem | $1,045 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,012 |
| 19 | Lancaster | $1,005 |
| 20 | Harrisburg | $985 |
| 21 | Bethel Park | $979 |
| 22 | Williamsport | $956 |
| 23 | York | $954 |
| 24 | Lebanon | $950 |
| 25 | State College | $878 |
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Rates are estimated as the specific Pittsburgh residence address can increase or decrease premium rates substantially.
Figuring out which insurers offer the best car insurance rates for drivers with good credit will require a little more sweat in order to find coverage that fits your budget. Each insurance company uses their own method to establish rates, so we’ll go over the most affordable car insurance companies in Pittsburgh.
It’s important to know that Pennsylvania car insurance rates are based on many factors which can substantially change the price you pay. Improving your credit score, buying a different home, or having an at-fault accident may prompt premium changes that can make some companies cheaper than before.
Find the Best Cheap Insurance for High Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | Travelers | $779 |
| 3 | Erie | $792 |
| 4 | USAA | $793 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $963 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,036 |
| 9 | Donegal Mutual | $1,091 |
| 10 | Allied | $1,155 |
| 11 | GEICO | $1,157 |
| 12 | California Casualty | $1,186 |
| 13 | State Farm | $1,210 |
| 14 | State Auto | $1,279 |
| 15 | Encompass | $1,398 |
| 16 | Harleysville | $1,438 |
| 17 | Mutual Benefit Group | $1,439 |
| 18 | Progressive | $1,457 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,598 |
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General Casualty generally has some of the best car insurance rates in Pittsburgh at around $726 per year. Travelers, Erie, USAA, and Penn National would also make the list of some of the best Pittsburgh, PA insurance companies.
As shown above, if you currently have coverage with Penn National and switched to Travelers, you might achieve a yearly price reduction of in the vicinity of $53. Customers with Auto-Owners might save as much as $184 a year, and Amica policyholders might realize rate reductions of up to $243 a year.
Remember that these estimates are averaged across all insureds and vehicles and are not factoring in an exact vehicle garaging location for drivers with good credit. So the car insurance company that is best for you may not even be in the top 30 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The vehicle that needs insurance is one of the largest considerations that determines whether or not you can buy affordable insurance for drivers with good credit. Vehicles with more horsepower, poor passenger safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The information below shows auto insurance costs for some of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,339 |
| Honda CR-V EX 2WD | $1,344 |
| Ford Edge SE AWD | $1,427 |
| Toyota RAV4 2WD | $1,454 |
| Ford Explorer Eddie Bauer AWD | $1,482 |
| Toyota Prius | $1,489 |
| Honda Civic EX 4-Dr Sedan | $1,504 |
| Ford Focus SEL 4-Dr Sedan | $1,513 |
| Honda Odyssey EX-L W/Navigation | $1,532 |
| Toyota Camry XLE | $1,542 |
| Toyota Corolla XRS | $1,559 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,566 |
| Ford Fusion SEL 4-Dr Sedan | $1,559 |
| Dodge Ram Crew Cab TRX 2WD | $1,584 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,586 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in zip code location which can change rates substantially.
Based upon the rates shown, cars like the Ford Escape, Honda CR-V, Ford Edge, Toyota RAV4, and Ford Explorer should be the more affordable vehicles to insure for financially responsible drivers.
Difference between full coverage and liability only rates
Buying cheaper car insurance is important to most vehicle owners, and one good way to save on the cost of insurance for drivers with good credit is to not buy comprehensive and collision coverage. The chart below visualizes the comparison of car insurance rates when comparing full coverage to liability only. The premium estimates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
If the expense is averaged for all age categories, full coverage on your policy costs an additional $1,385 per year more than just insuring for liability. That raises the question when is it safe to stop buying full coverage. There is no definitive rule to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
The information below illustrates how your deductible choice can raise or lower insurance rates when searching for cheap insurance for drivers with good credit. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.
In the chart above, a 30-year-old driver could reduce rates by $356 a year by increasing from a $100 deductible to a $500 deductible, or save $538 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can save $796 every year by selecting a higher deductible. If you do decide to increase your deductibles, it will be required to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
Buying coverage from a good quality insurer can be challenging considering how many choices you have in Pittsburgh. The company rank data shown next can help you choose which auto insurance companies you want to consider putting your business with. The ratings below are for companies with a nationwide focus, so smaller companies are not included in these rankings.
Top 10 Major Auto Insurers in Pittsburgh Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurers in Pittsburgh Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
How to find cheaper car insurance for drivers with good credit
Below you’ll find some of the better money-saving suggestions that can help Pennsylvania drivers buy low-cost coverage.
- Remove physical damage coverage on older vehicles
- Avoid accidents and claims
- Drive a car with a high safety rating
- Home or renters coverage can save on auto insurance
- Higher credit ratings may save you money
- Shop around for cheaper prices
The last suggestion is certainly valuable, as was stressed in this write-up. Car insurance rates vary greatly, so don’t be afraid to buy from a new company if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty results in overpaying hundreds of dollars year after year. Now is a great time to compare prices to find cheaper auto insurance for drivers with good credit in Pittsburgh.
The agents below are a good start to help you decide which car insurance company is the best fit, as some drivers wish to get some professional input when shopping for the best coverage for financially responsible drivers. It can be hard to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can bring peace of mind knowing your coverage gives you adequate asset protection.
To find a Pittsburgh insurance agent by location nearest to you, click the link at the bottom.
- Rodgers Andrew F Insurance Agency Inc
Foster Plaza V, 651 Holiday Dr – Pittsburgh, PA 15220 – (412) 922-1651 - Eric Morris – State Farm Insurance Agent
2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 - Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700