The words “economical” and “auto insurance” really don’t belong together, specifically when you are searching for the cheapest car insurance for 20 year old guys. Because it’s not cheap, let’s introduce you to some of the things that help determine insurance premiums, and come up with some ideas to take the bite out of your next policy.
Establishing which companies have the cheapest auto insurance rates for 20 year old guys will require a tad more effort than just quoting one company’s rates.
Each auto insurance company has a unique formula for determining prices, so we’ll go over the lowest cost auto insurance companies in Pittsburgh, PA.
Find the Best Cheap Insurance for Men Age 20
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $748 |
| 2 | USAA | $785 |
| 3 | Travelers | $787 |
| 4 | Erie | $800 |
| 5 | Penn National | $816 |
| 6 | Amica | $982 |
| 7 | Auto-Owners | $993 |
| 8 | Atlantic States | $1,036 |
| 9 | Donegal Mutual | $1,069 |
| 10 | GEICO | $1,123 |
| 11 | State Farm | $1,162 |
| 12 | Allied | $1,179 |
| 13 | California Casualty | $1,222 |
| 14 | State Auto | $1,267 |
| 15 | Encompass | $1,385 |
| 16 | Harleysville | $1,396 |
| 17 | Mutual Benefit Group | $1,397 |
| 18 | Progressive | $1,414 |
| 19 | Nationwide | $1,433 |
| 20 | Chubb | $1,583 |
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General Casualty quotes some of the cheapest car insurance rates in Pittsburgh at around $748 annually. USAA, Travelers, Erie, and Penn National also are some of the cheaper Pittsburgh, PA insurance companies.
In the above rates, if you currently have coverage with Penn National and switched to USAA, you could earn an annual premium reduction of about $31. Drivers with Amica might save as much as $197 a year, and Auto-Owners insureds might reduce rates by $208 a year.
Bear in mind that those prices are averaged across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for 20 year old guys. So the car insurance company that has the cheapest price for you may not even be in the top 30 companies in the list above. That is why you need to get auto insurance quotes using your own individual information.
The car, truck, or SUV you are trying to insure is probably the most important factor in finding cheap coverage for 20 year old guys. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.
The information below ranks car insurance rates for a number of the most cost-effective automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $2,814 |
| Honda Accord LX 4-Dr Sedan | $2,824 |
| Ford Escape XLS 4WD | $2,814 |
| Toyota Prius | $3,108 |
| Dodge Grand Caravan SE | $3,134 |
| Ford Edge Limited 2WD | $3,301 |
| Honda Odyssey EX W/Rear Entertainment | $3,310 |
| Toyota Tacoma 2WD | $3,301 |
| Chevrolet Impala LS | $3,311 |
| Toyota RAV4 2WD | $3,343 |
| Nissan Altima 2.5 4-Dr Sedan | $3,349 |
| Volkswagen Jetta LE 4-Dr Sedan | $3,343 |
| Ford F-150 FX2 2WD | $3,385 |
| Chevrolet Malibu LT | $3,394 |
| Ford Explorer Eddie Bauer AWD | $3,385 |
| Compare Cheap Rates Go | |
Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can change premiums greatly.
Looking at the numbers, you can see that makes and models like the Honda CR-V, Honda Accord, and Ford Escape are most likely to be a few of the less-costly vehicles to insure for young men. Auto insurance rates will tend to be more expensive because of the fact that there is more exposure for 20 year old guys, but in general those specific models will most likely have the cheapest car insurance rates compared to all other vehicles.
Tickets and at-fault accidents raise rates
The recommended way to score affordable auto insurance prices in Pennsylvania for young men is to be an attentive driver and avoid accidents and violations. The illustration below highlights how speeding tickets and at-fault claims can increase auto insurance rates for different categories of driver ages. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
The data above shows the average cost of auto insurance in Pittsburgh per year with no accidents or violations is $1,325. Get two speeding tickets and the average cost hikes up to $1,823, an increase of $498 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for 20 year old guys increases to an average of $3,763. That’s an increase of $2,438, or $203 per month, just for being a less-than-perfect driver!
The example below highlights how deductible choice can impact insurance prices when trying to find cheap insurance for 20 year old guys. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 30-year-old driver could lower rates by $352 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $534 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could drop their prices as much as $1,068 each year just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it’s a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
How to find low-cost car insurance for 20 year old guys
The list below shows some of the better money-saving ideas that can help Pennsylvania drivers buy cheap auto insurance.
- Buy a vehicle with excellent safety ratings
- Clean up your credit
- Too many claims can make car insurance unaffordable
- Violations and traffic tickets increase rates
- Do not get into accidents that are your fault
- Shop around for cheaper rates regularly
That last piece of advice is certainly crucial, as was discussed in this write-up. Prices charged by auto insurers change frequently, so don’t hesitate to change to a new company if a better deal can be had.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that loyalty ends up costing lots of money. Now is a great time to compare rates to find cheaper auto insurance for 20 year old guys in Pittsburgh.
If you would rather have some professional guidance when shopping around for cheaper insurance for young men, the professional agents shown below can most likely help you determine which coverage meets your needs best. To find an agent near you, click the link at the bottom or click here to get price quotes now.
- MADIA INSURANCE AGENCY INC
9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200 - Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 - John Cosey – State Farm Insurance Agent
5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070 - James L Smith Insurance Agency Inc
304 Cochran Rd – Pittsburgh, PA 15228 – (800) 701-5909 - The Dowd Insurance Agency
998 Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477