Wouldn’t it be excellent if we knew the one perfect company that has the best rates for good drivers? It’s just not that simple, as there are many unknown aspects like when you were born, how well you maintain your credit, the number of miles you drive in a year, and whether you are male or female, that all impact the price you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover these things and should give you a solid foundation to find cheaper car insurance.
For safe drivers, one of the big things that determine auto insurance rates is where you live. Cities with larger populations or higher claim trends will most likely have higher rates, whereas more rural areas get the luxury of paying less.
The following table rates the most expensive places in Pennsylvania for good drivers in which to purchase auto insurance. Pittsburgh comes in at #13 with the annual price of $1,063 for car insurance, which is about $89 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,504 |
| 3 | Chester | $1,421 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,307 |
| 6 | Easton | $1,102 |
| 7 | Reading | $1,099 |
| 8 | Allentown | $1,097 |
| 9 | Plum | $1,089 |
| 10 | Erie | $1,082 |
| 11 | Municipality of Monr | $1,081 |
| 12 | Scranton | $1,081 |
| 13 | Pittsburgh | $1,063 |
| 14 | Wilkes-Barre | $1,057 |
| 15 | Hazleton | $1,056 |
| 16 | Bethlehem | $1,055 |
| 17 | Altoona | $1,032 |
| 18 | New Castle | $1,026 |
| 19 | Bethel Park | $1,019 |
| 20 | Harrisburg | $995 |
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Information shown are estimated as the vehicle garaging location can affect premiums significantly.
Establishing which company has the best car insurance rates for good drivers may require more work than just picking a company at random. Each auto insurance company has their own unique process for determining rates, so we’ll go over the car insurance companies that tend to have lower prices in Pittsburgh.
It’s important that readers know that Pittsburgh, PA car insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Simply getting older, moving across town, or getting a speeding ticket may generate price changes resulting in some rates now being cheaper than competitors.
Lowest Insurance Price Quotes for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $726 |
| 2 | USAA | $809 |
| 3 | Travelers | $811 |
| 4 | Erie | $824 |
| 5 | Penn National | $832 |
| 6 | Auto-Owners | $993 |
| 7 | Amica | $1,012 |
| 8 | Atlantic States | $1,016 |
| 9 | Donegal Mutual | $1,102 |
| 10 | GEICO | $1,123 |
| 11 | Allied | $1,144 |
| 12 | State Farm | $1,210 |
| 13 | California Casualty | $1,234 |
| 14 | State Auto | $1,279 |
| 15 | Encompass | $1,344 |
| 16 | Mutual Benefit Group | $1,439 |
| 17 | Nationwide | $1,447 |
| 18 | Harleysville | $1,452 |
| 19 | Progressive | $1,457 |
| 20 | Chubb | $1,598 |
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General Casualty may have some of the best car insurance rates in Pittsburgh at around $726 per year. USAA, Travelers, Erie, and Penn National would also make the list of some of the best Pittsburgh, PA insurance companies.
As the example above demonstrates, if you have coverage with Penn National and switched to USAA, you might see yearly savings of in the neighborhood of $23. Policyholders with Auto-Owners could save as much as $184 a year, and Amica policyholders might cut rates by $203 a year.
To find out how much you can save, click here to start your custom quote or click several companies below for low rates.
Be aware that those premium estimates are averaged across all drivers and vehicles and do not take into consideration an exact zip code location for good drivers. So the company that has the cheapest price for you may not even be in the top 30 companies shown above. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.
Bad driving habits will cost you more
The obvious way to enjoy affordable car insurance prices for safe drivers is to drive cautiously and not get tickets or have accidents. The example below illustrates how speeding tickets and at-fault claims influence annual premium costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The data above shows the average cost of auto insurance in Pennsylvania per year with a clean driving record and no accidents is $1,775. Add in one speeding ticket and the average cost surges to $2,067, an increase of $293 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for good drivers increases to an average of $2,900. That’s an increase of $1,125, or $94 per month, just for not driving attentively!
Insuring your vehicle with the best company can be rather challenging considering how many different companies there are to choose from in Pennsylvania. The ranking data shown next may help you decide which auto insurers to look at when buying insurance for good drivers. The ratings below are only made up of the largest companies in the United States, so companies without a large exposure are not included in the list.
Top 10 Large Auto Insurers in Pittsburgh Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Large Auto Insurers Overall in Pittsburgh
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
The example below shows how choosing a deductible can change insurance rates when trying to find cheap insurance for good drivers. The data is based on a single male driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $368 a year by changing from a $100 deductible up to a $500 deductible, or save $552 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, could potentially save as much as $1,222 annually just by choosing larger deductibles. If you do make the decision to raise your deductibles, it is a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.