It’s hard to avoid all the captivating commercials from companies like The General and Progressive promising the cheapest price. So you just need to pick the company with the cutest commercial, right?
Unfortunately, it’s not that simple as there are a lot of unknown aspects like how old you are, the likelihood of vehicle theft where you live, and what liability limits you need, that all impact the cost of coverage. We will touch on some of these topics and educate you enough to have a good beginning to your quest for cheaper car insurance.
Finding out which companies have the cheapest auto insurance rates after a speeding ticket will take a little more work than just quoting one company’s rates.
Every car insurance company has their own unique process to determine rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Pittsburgh, PA. It’s important to know that Pennsylvania auto insurance rates are determined by lots of factors that can increase the policy price. Improving your credit score, having a teenage driver, or having a fender bender can trigger rate changes resulting in some companies being cheaper than competitors.
Best Auto Insurance Prices with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | Travelers | $779 |
| 3 | USAA | $785 |
| 4 | Penn National | $816 |
| 5 | Erie | $816 |
| 6 | Auto-Owners | $973 |
| 7 | Amica | $1,022 |
| 8 | Atlantic States | $1,047 |
| 9 | Donegal Mutual | $1,091 |
| 10 | GEICO | $1,145 |
| 11 | Allied | $1,155 |
| 12 | California Casualty | $1,198 |
| 13 | State Farm | $1,210 |
| 14 | State Auto | $1,229 |
| 15 | Encompass | $1,357 |
| 16 | Progressive | $1,414 |
| 17 | Harleysville | $1,452 |
| 18 | Mutual Benefit Group | $1,454 |
| 19 | Nationwide | $1,491 |
| 20 | Chubb | $1,583 |
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General Casualty normally has some of the lowest car insurance rates in Pittsburgh at around $740 a year. Travelers, USAA, Penn National, and Erie would also make the list of some of the best Pittsburgh, PA insurance companies.
In the rate table above, if you currently have coverage with Travelers and switched to General Casualty, you may realize an annual savings of upwards of $39. Policyholders with USAA may save as much as $45 a year, and Penn National customers might realize rate reductions of up to $76 a year.
To see if you’re overpaying, click here to start your custom quote or visit several of the following companies.
These premiums are averages across all ages of drivers and types of vehicles and do not factor in an exact location after a speeding ticket. 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 point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.
After a few driving violations, one of the largest things that are used to help calculate auto insurance rates is your address. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas more rural areas profit from lower rates.
The illustration below sorts the most expensive areas in Pennsylvania after a speeding ticket to buy car insurance in. Pittsburgh is ranked at #10 having an annual price of $1,085 for the average insured, which is approximately $90 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Philadelphia | $1,997 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,379 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,108 |
| 7 | Erie | $1,104 |
| 8 | Wilkes-Barre | $1,089 |
| 9 | Bethlehem | $1,087 |
| 10 | Pittsburgh | $1,085 |
| 11 | Plum | $1,079 |
| 12 | Reading | $1,066 |
| 13 | Easton | $1,058 |
| 14 | New Castle | $1,057 |
| 15 | Hazleton | $1,056 |
| 16 | Municipality of Monr | $1,049 |
| 17 | Scranton | $1,039 |
| 18 | Altoona | $1,012 |
| 19 | Harrisburg | $995 |
| 20 | Bethel Park | $979 |
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Rate information is comparative as specific location information can raise or lower coverage prices considerably.
Auto insurance company ratings
Finding a good quality company is difficult considering how many choices you have in Pennsylvania. The information shown below can help you decide which car insurance providers to look at shopping prices with.
These rankings include large nationwide companies, so companies that focus mainly on Pennsylvania business are not factored into this list. To compare prices from these companies and more, 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
Types of discounts on Pittsburgh insurance
Car insurance companies that offer coverage after a speeding ticket may also provide rate discounts that may potentially lower prices by as much as 25% or more if you meet the requirements. A list of companies and the discounts they provide are detailed below.
- Farm Bureau offers discounts for 55 and retired, multi-vehicle, youthful driver, good student, driver training, renewal discount, and safe driver.
- Liberty Mutual has savings for good student, new vehicle discount, exclusive group savings, new graduate, multi-car, and new move discount.
- State Farm offers premium reductions for safe vehicle, multiple policy, student away at school, Steer Clear safe driver discount, good student, and driver’s education.
- Auto-Owners Insurance includes discounts for paid in full, company car, group or association, mature driver, safe vehicle, air bags, and teen driver.
- GEICO discounts include seat belt use, membership and employees, military active duty, five-year accident-free, daytime running lights, good student, and federal employee.
- SAFECO may include discounts for teen safe driver, multi-car, teen safety rewards, anti-theft, homeowner, anti-lock brakes, and bundle discounts.
The diagram below shows the difference between annual premium costs with and without discounts applied to the policy premium. The data assumes a female driver, two traffic citations and no accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, continuous coverage, multiple policy, multiple vehicle, vehicle safety, and paid-in-full discounts applied. When discounts are factored in, the average savings per year on auto insurance after a speeding ticket is 28% or $666.
Low rates today, overpriced tomorrow
Pittsburgh auto insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply having a birthday, moving to a new city, or getting a reckless driving citation can trigger price changes resulting in some companies being cheaper than competitors. In addition, insurers file new Pennsylvania auto insurance rates as often as every three months to help ensure profitability. An extended period of higher than normal claims may cause additional price hikes, while lower claim expenses can produce lower-priced Pittsburgh car insurance rates.
To illustrate this point, the data below shows the company with the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with no accidents, a clean driving record, and a decent credit rating. Based on her personal profile, General Casualty has the cheapest car insurance rates in Pittsburgh at $905 each year. This is $752 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are the remainder of the best Pittsburgh, PA auto insurance companies.
The chart below compares rates after we give the driver in the first example a claim surcharge, poor credit, and a traffic ticket or two. Because each company has a unique approach for determining prices, comparing quotes could result in a slightly different list of affordable Pittsburgh car insurance companies as shown below.
Amica now has the best insurance rate in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and Travelers now rounding out the top five. This shows why Pittsburgh drivers need to shop around with many companies to find the cheapest insurance rates after a speeding ticket.
Prices are impacted by many risk factors and change dramatically, so the cheapest company three years ago may now be wasting a lot of money.
How to find low-cost insurance after a speeding ticket
Lowering your rates is not difficult, and here are many money-saving ideas that can help you get cheap coverage.
- If your vehicles are older, consider dropping full coverage
- Better credit scores save money
- Vehicles with good safety ratings are usually cheaper to insure
- Drive attentively and avoid accidents
- Buying home and auto together can help save money
- Keep rates low by comparing prices once a year
That last tip is especially crucial, as we emphasized in the prior information. Prices can change considerably based on profitability, so drivers shouldn’t be reluctant to buy from a different company if you find a better deal.
Loyalty to a specific company is fine, but we do not recommend it if that stubbornness costs you money that could be used for better things. Now is a great time to shop around and find cheaper insurance after a speeding ticket in Pittsburgh.
If you have coverage questions and would like to get help from a professional when shopping for cheaper insurance after a few driving violations, the agents listed below can help you make a decision which coverages are best. To locate a Pittsburgh car insurance agency close to where you live, click the button below the list or click here to compare rates now.
- Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100 - John Cosey – State Farm Insurance Agent
5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070 - J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 - Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390