Pittsburgh, PA
Cheap Car Insurance in Pittsburgh
Pittsburgh drivers pay an average of $1,759/year for auto insurance — 5% above the Pennsylvania state average. Compare quotes and save.
Why Pittsburgh drivers pay more
Pittsburgh runs below Philadelphia but slightly above the PA state average due to repair costs. Across Pennsylvania, the average annual premium is $1,675; Pittsburgh comes in at about $1,759 — 5% above the state benchmark.
Premiums vary widely within Pittsburgh based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Pittsburgh car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Pittsburgh can shift your premium 10-20%.
Pittsburgh drivers
See your real Pittsburgh rate in 60 seconds.
Pittsburgh insurance FAQ
Other Pennsylvania cities