The words “economical” and “insurance” really don’t belong together, especially when you are shopping around for the best car insurance for high mileage drivers. To help control this cost, let’s teach you some of the factors that significantly impact auto insurance prices, and figure out some ideas to take a little off your next policy.
Deciding which company quotes the best auto insurance rates for high mileage drivers will require a little more effort in order to find coverage that fits your budget.
Each auto insurance company used slightly different criteria for establishing rates, so to begin we’ll rank the most affordable auto insurance companies in Pittsburgh. It’s a good idea to be aware that Pittsburgh, PA auto insurance rates are calculated based on many things that will increase or decrease your annual premium. Improving your credit score, buying a different home, or getting into an accident can trigger rate changes that can now make some companies more affordable than before.
Best Cheap Insurance Rates in Pennsylvania
General Casualty has some of the lowest car insurance rates in Pittsburgh at around $740 annually. This is $917 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, Penn National, USAA, and Erie are also some of the lowest-priced Pittsburgh, PA car insurance companies.
In the above rates, if you currently have coverage with Travelers and switched to General Casualty, you may realize yearly savings of in the vicinity of $47. Insureds with Penn National could save as much as $68 a year, and USAA customers might lower prices by up to $77 a year.
Remember that these prices are averages for all drivers and vehicles and and are not calculated with a vehicle location for high mileage drivers. So the car insurance company that is best suited for you may not even be in the top 30 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
For high mileage drivers, one of the largest components that are used to help calculate the annual cost of car insurance is where you choose to live in Pittsburgh. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with less congestion receive better rates.
The table below ranks the priciest cities in Pennsylvania for high mileage drivers to purchase auto insurance in. Pittsburgh shows up at #13 with the annual price of $1,053 for the average insurance policy, which is about $88 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,489 |
| 3 | Chester | $1,379 |
| 4 | Levittown | $1,379 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,130 |
| 7 | Reading | $1,110 |
| 8 | Erie | $1,104 |
| 9 | Easton | $1,091 |
| 10 | Wilkes-Barre | $1,089 |
| 11 | Bethlehem | $1,077 |
| 12 | Plum | $1,057 |
| 13 | Pittsburgh | $1,053 |
| 14 | Municipality of Monr | $1,049 |
| 15 | Hazleton | $1,046 |
| 16 | Altoona | $1,042 |
| 17 | Scranton | $1,039 |
| 18 | New Castle | $1,015 |
| 19 | Bethel Park | $989 |
| 20 | Harrisburg | $985 |
| 21 | Lancaster | $965 |
| 22 | Lebanon | $960 |
| 23 | Williamsport | $956 |
| 24 | York | $944 |
| 25 | State College | $869 |
| Start a Quote Go | ||
Rate information is estimated as the specific area where the vehicle is garaged can decrease or increase auto insurance rates greatly.
Insuring your vehicle with a good quality auto insurance provider can be a challenge considering how many different companies insure vehicles in Pittsburgh. The rank data in the lists below could help you decide which coverage providers you want to consider when comparing auto insurance rates for high mileage drivers.
These ratings include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Pennsylvania will not be included in the list. If you wish to compare prices and find cheaper insurance for high mileage drivers, just click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The chart below shows how choosing a deductible can affect insurance rates when researching cheap insurance for high mileage drivers. The premiums assume a single female driver, full coverage, and no discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $298 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $450 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices up to $662 each year just by choosing higher deductibles. If you do raise deductibles, it will now be necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Get discounts on Pittsburgh insurance
Car insurance companies that provide coverage for high mileage drivers may also give you price discounts that can lower rates by as much as 25% or more if you are eligible to receive them. Larger auto insurance companies and some of the premium reductions they offer are included below.
- State Farm has savings for multiple policy, safe vehicle, passive restraint, anti-theft, good driver, accident-free, and multiple autos.
- Liberty Mutual has discounts for good student, safety features, newly married, hybrid vehicle, new graduate, and multi-policy.
- American Family discounts include mySafetyValet, bundled insurance, accident-free, multi-vehicle, air bags, defensive driver, and good driver.
- Progressive policyholders can earn discounts including multi-policy, online signing, continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.
- Farmers Insurance may have discounts that include bundle discounts, good student, teen driver, homeowner, switch companies, pay in full, and mature driver.
- Auto-Owners Insurance offers premium reductions for group or association, mature driver, safe driver, anti-theft, multiple vehicles, safe vehicle, and paid in full.
- SAFECO offers discounts for accident prevention training, anti-lock brakes, anti-theft, bundle discounts, and homeowner.
The information below shows the difference between car insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, multiple policy, vehicle safety, safe-driver, homeowner, and accident-free discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for high mileage drivers is 28% or $455.
The benefits of price comparisons
Pittsburgh, PA auto insurance rates are influenced by many factors which can substantially change the cost of your policy. Simply getting older, buying another vehicle, or getting a ticket for careless driving can trigger price changes that can make some companies cheaper than before. In addition to those changes, companies change premium rates as needed in order to offset underwriting gains or losses. Unexpectedly high claims can result in increased rates, while a lower level of claims can cause lower-priced Pittsburgh car insurance rates.
To help illustrate this point, the data below shows which company has the cheapest car insurance in Pittsburgh, PA for a 40-year-old male driver with no violations or accidents, and excellent credit. If we estimate prices based on his current risk factors, General Casualty might offer the cheapest car insurance rates in Pittsburgh at $887 each year. This is $770 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National also make the list of the most affordable Pittsburgh, PA auto insurance companies.
In this example, we will give the driver from above a claim, less-than-perfect credit, and a blemish on his driving record. Due to the fact that every auto insurer has their own unique process to set their prices, comparing rates may result in a different ranking of affordable companies as shown below.
Amica now has the best price in Pittsburgh, PA with Atlantic States, Donegal Mutual, Travelers, and Allied also being competitive. This example proves why consumers need to take the time to take the time to shop around to find cheap insurance quotes for high mileage drivers.
Car insurance prices are influenced by many factors and change dramatically, so the lowest-price company three years ago may now be an over-priced policy.