Locating budget auto insurance is confusing at best, and figuring out which companies offer the best insurance rates for drivers over age 60 takes even more diligence. Every car insurance company uses a slightly different approach for determining rates in each state, so we’ll take a look at the insurance companies with the overall best prices in Pittsburgh.
It’s important that you understand Pittsburgh, PA insurance rates are influenced by many factors that may substantially change the policy price. This price variation is why consumers need to take the time to shop around when trying to get the most budget-friendly insurance quotes for drivers over age 60. Prices are made up of many different factors and change dramatically, so the most affordable company two years ago may now be costing you a lot of money.
Best Cheap Insurance Rates for Age 60+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $748 |
| 2 | Erie | $800 |
| 3 | Travelers | $803 |
| 4 | Penn National | $808 |
| 5 | USAA | $809 |
| 6 | Auto-Owners | $993 |
| 7 | Atlantic States | $1,005 |
| 8 | Amica | $1,022 |
| 9 | Donegal Mutual | $1,102 |
| 10 | Allied | $1,155 |
| 11 | GEICO | $1,157 |
| 12 | State Farm | $1,210 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,279 |
| 15 | Encompass | $1,357 |
| 16 | Progressive | $1,429 |
| 17 | Harleysville | $1,452 |
| 18 | Mutual Benefit Group | $1,454 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,536 |
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General Casualty normally has some of the best car insurance rates in Pittsburgh at around $748 per year. Erie, Travelers, Penn National, and USAA would also be considered some of the most economical Pittsburgh, PA insurance companies.
As shown above, if you are a policyholder with Erie and switched to General Casualty, you could earn an annual savings of in the neighborhood of $52. Insureds with Travelers may save as much as $55 a year, and Penn National policyholders might lower prices by $60 a year.
To find the cheapest rates for your vehicle, click here to start a quote or click several companies below for low rates.
Be aware that those policy rates are averages across all insureds and vehicles and and are not figured with a specific vehicle garaging location for drivers over age 60. So the insurer that can offer you the lowest price may not even be in the top 30 companies in the list above. That point stresses why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The make and model of vehicle that needs insurance is one of the primary factors when consumers are trying to find the best cheap coverage for drivers over age 60. Vehicles with reasonable performance levels, good crash test ratings, or a track record of few liability claims will cost less to insure than adrenaline junky models.
The data below illustrates car insurance prices for a handful of the cheaper vehicles to insure in Pennsylvania.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,050 |
| Honda CR-V EX-L 2WD | $1,074 |
| Ford Escape Limited 2WD | $1,083 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,142 |
| Ford Edge SE 2WD | $1,156 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,166 |
| Toyota Prius | $1,165 |
| Toyota Tacoma 4WD | $1,179 |
| Chevrolet Impala LS | $1,224 |
| Honda Civic DX 4-Dr Sedan | $1,231 |
| Ford Fusion S 4-Dr Sedan | $1,247 |
| GMC Sierra SLE Crew Cab 2WD | $1,253 |
| Chevrolet Equinox LT 2WD | $1,247 |
| Toyota RAV4 4WD | $1,254 |
| Jeep Grand Cherokee Laredo 2WD | $1,247 |
| Chevrolet Malibu Hybrid | $1,255 |
| Dodge Grand Caravan SXT | $1,271 |
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Data rating is based on single male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can raise or lower premiums considerably.
Based upon the table data, we can tell that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be the cheaper vehicles to insure for older drivers.
One of the many criteria that are used to help calculate the amount you pay each year for auto insurance is where you live. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The illustration below sorts the priciest cities in Pennsylvania for drivers over age 60 to purchase car insurance in. Pittsburgh ranks #9 costing $1,085 for car insurance, which is around $90 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $2,037 |
| 2 | Drexel Hill | $1,549 |
| 3 | Levittown | $1,421 |
| 4 | Chester | $1,379 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,108 |
| 7 | Erie | $1,104 |
| 8 | Hazleton | $1,088 |
| 9 | Pittsburgh | $1,085 |
| 10 | Municipality of Monr | $1,081 |
| 11 | Scranton | $1,081 |
| 12 | Reading | $1,066 |
| 13 | Easton | $1,058 |
| 14 | Wilkes-Barre | $1,057 |
| 15 | Plum | $1,047 |
| 16 | Bethlehem | $1,045 |
| 17 | New Castle | $1,015 |
| 18 | Harrisburg | $1,015 |
| 19 | Altoona | $1,002 |
| 20 | Williamsport | $996 |
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Rate quotes are approximated as the garaging address in Pittsburgh can change rates greatly.
Discounts on Pittsburgh car insurance
Insurance providers that sell policies for drivers over age 60 may also give you premium discounts that may potentially lower prices by as much as 30% if you meet the requirements. A few popular companies and a selection of discounts are detailed below.
- State Farm has savings for Steer Clear safe driver discount, good student, passive restraint, accident-free, student away at school, multiple policy, and driver’s education.
- Liberty Mutual may offer discounts for newly retired, new graduate, multi-car, multi-policy, and safety features.
- American Family includes discounts for good student, defensive driver, accident-free, TimeAway discount, bundled insurance, mySafetyValet, and early bird.
- Progressive offers discounts for homeowner, multi-policy, online quote discount, online signing, multi-vehicle, continuous coverage, and good student.
- Farmers Insurance offers premium reductions for homeowner, mature driver, good student, electronic funds transfer, teen driver, and alternative fuel.
- Auto-Owners Insurance offers discounts including paid in full, anti-lock brakes, anti-theft, multi-policy, company car, and safe driver.
- SAFECO discounts include accident prevention training, drive less, safe driver, anti-lock brakes, homeowner, and teen safe driver.
The chart below illustrates the comparison of annual premium costs with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, passive restraint, claim-free, homeowner, anti-theft, and defensive driving course discounts applied. When discounts are factored in, theamount saved on insurance for drivers over age 60 is 29% or $655.
Impact of careless driving on Pittsburgh insurance rates
The common sense way to maintain the most affordable insurance prices in Pittsburgh for older drivers is to be a careful driver and avoid accidents and keep your driving record clean. The information below illustrates how speeding tickets and at-fault claims can drive up car insurance rates for each different age category. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,844. Factor in one speeding ticket and the average cost hikes up to $2,083, an increase of $239 each year. Now throw in one accident along with the one speeding ticket and the annual cost of insurance for drivers over age 60 increases to an average of $2,746. That’s an increase of $902, or $75 per month, just for not driving carefully!
How to find cheaper car insurance for drivers over age 60
The list below details many thrifty ideas that can help you buy more affordable auto insurance.
- Buying home and auto together can help save money
- Do not pay for comprehensive and collision coverage on older vehicles
- Prevent price hikes by avoiding at-fault accidents
- Good credit can save money
- Safer vehicles generally have cheaper insurance rates
- Compare prices as often as possible
The final tip is notably crucial, as was noted in this piece. Coverage rates can be adjusted at any time, so drivers shouldn’t be resistant to buy from a new company if you can find a cheaper rate. Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing a lot of money. In just a couple of minutes you could compare rates and find cheaper auto insurance for drivers over age 60 in Pittsburgh.