Determining which company has the cheapest car insurance rates for low mileage drivers will involve more work than just picking a company at random. Every auto insurer has a different formula for setting prices, so let’s take a look at the lowest cost car insurance companies in Pennsylvania.
Best Cheap Insurance Rates in Pennsylvania
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | Travelers | $779 |
| 3 | USAA | $785 |
| 4 | Erie | $792 |
| 5 | Penn National | $808 |
| 6 | Amica | $992 |
| 7 | Auto-Owners | $1,003 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,091 |
| 10 | Allied | $1,144 |
| 11 | GEICO | $1,145 |
| 12 | State Farm | $1,174 |
| 13 | California Casualty | $1,234 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,357 |
| 16 | Harleysville | $1,396 |
| 17 | Nationwide | $1,433 |
| 18 | Mutual Benefit Group | $1,454 |
| 19 | Progressive | $1,457 |
| 20 | Chubb | $1,551 |
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General Casualty normally has some of the cheapest car insurance rates in Pittsburgh at around $740 annually. This is $917 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National would also make the list of some of the more affordable Pittsburgh, PA insurance companies.
As shown in the rates above, if you currently have a policy with USAA and switched to General Casualty, you may realize a yearly price reduction of around $45. Insureds with Erie may save as much as $52 a year, and Penn National insureds might reduce rates by $68 a year.
To discover how much you can save, click here to start a quote or click several companies below for low rates.
These rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for low mileage drivers. So the company that can offer you the best rate may not even be in the top 30 companies in the list above. That illustrates why you need to get rate quotes using your own specific driver information and vehicle.
The vehicle driven is one of the biggest factors that determines the availability of the most affordable car insurance for low mileage drivers. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The data below features car insurance prices for a selection of the most economical automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,211 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,346 |
| Honda CR-V LX 2WD | $1,372 |
| Ford Escape XLS 2WD | $1,378 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,415 |
| Chevrolet Equinox LTZ AWD | $1,423 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,439 |
| Ford Focus S 4-Dr Sedan | $1,487 |
| Toyota Camry Hybrid | $1,514 |
| Toyota RAV4 Limited 4WD | $1,516 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,521 |
| Toyota Prius | $1,523 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $1,533 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can affect premiums noticeably.
Based upon these rates, makes and models like the Honda Accord, Jeep Wrangler, and Honda CR-V will definitely be a few of the less-costly vehicles to insure for infrequent drivers.
Impact of violations and accidents on rates
The best way to find affordable car insurance prices in Pittsburgh for infrequent drivers is to drive attentively and avoid traffic citations and accidents. The chart below demonstrates how speeding tickets and accidents raise auto insurance rates for each different age group. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous chart, the average cost of auto insurance in Pennsylvania per year with no accidents and a clean driving record is $1,453. Get written up for two speeding tickets and the average cost jumps to $2,002, an increase of $549 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance for low mileage drivers increases to an average of $4,053. That’s an increase of $2,600, or $217 per month, just for not driving safely!
The chart below demonstrates how deductibles can raise or lower yearly insurance costs when getting quotes for cheap insurance for low mileage drivers. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
As shown above, a 50-year-old driver could pocket $270 a year by switching from a $100 deductible to a $500 deductible, or save $408 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices $888 or more by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it will be important to have enough funds in savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.
Ratings for Pennsylvania car insurance companies
Picking the top car insurance provider can be difficult considering how many different insurance companies sell coverage in Pittsburgh. The company ratings displayed below could help you select which coverage providers you want to consider comparing price quotes from. The ratings below are only made up of large nationwide companies, so smaller companies will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Why you should be shopping around
Pittsburgh, PA car insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Simply having another birthday, increasing liability limits, or getting a driving violation may prompt premium changes that may make certain companies cheaper than before. Additionally, insurance companies change prices at least once a year to adjust for gains or losses. Significantly higher claims can cause rate hikes, while a lower level of claims can produce cheaper Pittsburgh car insurance rates.
For example, the chart below shows which company has the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with a clear driving record, no claims, and a good credit history. If we compare prices based on her current risk profile, General Casualty may offer the most affordable car insurance rates in Pittsburgh at $888 annually. This is $769 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie are the remainder of the cheapest Pittsburgh, PA auto insurance companies.
Now let’s give the driver from the first example a couple of claims, bad credit, and a traffic citation. Since every insurance provider uses their own method to determining premium rates, comparing prices may now show a significantly different list of the cheapest companies as shown below.
Amica now has the cheapest rate in Pittsburgh with Atlantic States, Travelers, Donegal Mutual, and Penn National now rounding out the top five. This example proves why consumers need to take the time to shop around to get the best auto insurance rates for low mileage drivers. Car insurance prices can be altered by many different factors and change frequently, so the best option the last time you shopped around may now be an over-priced policy.