Finding low-priced auto insurance is not easy, and deciding which company offers the lowest-priced insurance rates with multiple speeding tickets calls for even more perseverance. Each company has their own process to determine rates, so let’s take a look at the lowest cost insurance companies in Pittsburgh, PA.
It’s important to know that Pittsburgh, PA insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Price variation is why Pittsburgh drivers need to shop around with many companies when trying to find the cheapest car insurance quotes with multiple speeding tickets. Rates consist of many different factors and can change without notice, so the best company three years ago may now be quite expensive.
Cheap Insurance Rates with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | USAA | $793 |
| 3 | Erie | $800 |
| 4 | Travelers | $811 |
| 5 | Penn National | $840 |
| 6 | Auto-Owners | $973 |
| 7 | Amica | $1,012 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,091 |
| 10 | Allied | $1,144 |
| 11 | GEICO | $1,145 |
| 12 | State Farm | $1,210 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,344 |
| 16 | Harleysville | $1,396 |
| 17 | Mutual Benefit Group | $1,397 |
| 18 | Progressive | $1,429 |
| 19 | Nationwide | $1,433 |
| 20 | Chubb | $1,583 |
| View More Rates Go | ||
General Casualty may offer some of the cheapest car insurance rates in Pittsburgh at around $740 each year. USAA, Erie, Travelers, and Penn National also are some of the most economical Pittsburgh, PA car insurance companies.
As illustrated above, if you are a policyholder with Penn National and switched to USAA, you might achieve savings of upwards of $47. Insureds with Auto-Owners might save as much as $180 a year, and Amica policyholders might reduce prices by as much as $219 a year.
To see how much you can save, click here to get a free quote or visit any of the companies below.
Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location with multiple speeding tickets. So the insurer that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own driver data and vehicle information.
One of the many criteria that are looked at to help calculate the amount you pay for auto insurance is where your car is garaged. Areas with increased crime or more people likely pay more, whereas areas that tend to be more rural can boast about having cheaper rates.
The illustration below sorts the most costly cities in Pennsylvania with multiple speeding tickets to purchase a policy in. Pittsburgh comes in at #11 with an annual cost of $1,063 for the average policyholder, which is about $89 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $2,057 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,141 |
| 7 | Erie | $1,115 |
| 8 | Easton | $1,102 |
| 9 | Plum | $1,079 |
| 10 | Reading | $1,066 |
| 11 | Pittsburgh | $1,063 |
| 12 | Municipality of Monr | $1,059 |
| 13 | New Castle | $1,057 |
| 14 | Scranton | $1,049 |
| 15 | Wilkes-Barre | $1,047 |
| 16 | Hazleton | $1,046 |
| 17 | Bethlehem | $1,045 |
| 18 | Harrisburg | $1,015 |
| 19 | Altoona | $1,002 |
| 20 | Williamsport | $986 |
| Find the Best Rates Go | ||
Premium costs are comparative as the specific garaging location can raise or lower insurance rates considerably.
Bad driving habits will cost you more
In a perfect world, the best way to earn good insurance premiums in Pennsylvania after a few driving violations is to be a safe driver and avoid traffic citations and accidents. The information below shows how violations and at-fault claims can influence auto insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of auto insurance in Pittsburgh per year with no accidents and a clean driving record is $1,889. Get written up for one speeding ticket and the average cost swells to $2,124, an increase of $235 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance with multiple speeding tickets goes up to an average of $4,121. That’s an increase of $2,232, or $186 per month, just for not being a responsible driver!
Does it make sense to buy full coverage?
Finding the cheapest insurance is important to the majority of people, and one easy way to lower the cost of insurance with multiple speeding tickets is to only pay for liability coverage. The diagram below shows the difference between insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $250 deductibles, single status, and no policy discounts are applied.
If averaged for all ages, full coverage on your policy costs an extra $1,731 per year over and above liability only. That brings up the question if buying full coverage is worth the money. There is no definitive guideline to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s book value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $4,500 after paying your deductible. If premiums are more than $450 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
What aren’t you shopping around?
Pittsburgh insurance rates are impacted by many things that can increase the cost of coverage. Simply turning a year older, having a teenage driver, or having a fender bender may generate price changes that can now make some companies affordable when they were higher priced.
In addition, auto insurance companies amend pricing every year or even multiple times each year in order to maintain liquidity for claims. Higher than normal claim frequency or severity may cause rate hikes, while less frequent claims can result in cheaper Pittsburgh car insurance rates.
The chart below demonstrates which company has the cheapest car insurance in Pittsburgh, PA for a 35-year-old female driver with no prior claims, no tickets, and good credit. If we compare prices based on her personal profile, General Casualty quotes the best car insurance rates in Pittsburgh at $878 each year. This is $779 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National are the remainder of the cheapest Pittsburgh, PA auto insurance companies.
Let’s now give the driver from the first set of rates a claim, a lower credit rating, and a speeding ticket. Due to the fact that every auto insurer has a unique approach for establishing rates, comparing rates will most likely result in a different ranking of the cheapest Pittsburgh car insurance companies as shown below.
Amica now has the cheapest car insurance in Pittsburgh, PA with Atlantic States, Donegal Mutual, Erie, and USAA completing the list. This demonstrates why it is crucial to shop around to get the most affordable car insurance rates with multiple speeding tickets.
Auto insurance prices are made up of many risk factors and change dramatically, so the lowest-price company the last time you compared rates may now be priced much higher than other options.