Best Cheap Car Insurance in Pittsburgh

• Car insurance in Pittsburgh costs an average of $1,655 annually for full coverage and $589 annually for minimum coverage, which is less than the respective Pennsylvania statewide averages.
• Travelers offers the lowest full and minimum coverage rates in Pittsburgh, while Erie is our top pick for customer service.
• Average rates can give you a sense of how much you might pay for car insurance, but the rates you’re quoted will depend on your driving record, age, location, and other factors.

Travelers offers the most affordable full coverage auto insurance in Pittsburgh at $984 per year, which is 41 percent cheaper than the city average. Nationwide and Erie have the next-cheapest rates at $1,037 per year and $1,183 per year, respectively.

Travelers also offers the cheapest minimum coverage auto insurance in Pittsburgh, with an average annual premium of only $373 per year. Nationwide and Erie also have rates that are well below average, at $412 and $416 annually.

According to the City of Pittsburgh’s crash data, there were 2,958 car accidents in the city in 2024, which represents a decrease from the 3,485 crashes the year before.⁵ Twenty-one of the crashes in 2024 were fatal, 82 involved serious injuries, and 1,281 involved minor injuries. The remaining 1,574 had no reported injuries.

The vast majority of these crashes occurred in clear weather conditions — only 10 percent occurred in the rain, while 16 percent happened in cloudy or  “other” weather. The month with the most crashes was March at 301, followed by January at 297.

Pennsylvania drivers must adhere to the minimum auto insurance coverage requirements mandated by state law, which are as follows:

• Bodily injury liability: $15,000 per person/$30,000 per accident
• Property damage liability: $5,000 per accident
• Medical benefits: $5,000 per accident

The Keystone State’s minimum liability requirements have not been updated since the 1970s  — they are very low, and likely won’t be enough to cover damages in the event of a serious accident. We recommend increasing your limits and adding full coverage for more financial coverage.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyzed average premiums for full and minimum coverage in Pittsburgh, Pennsylvania, for good drivers with good credit. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Medical payments: $5,000
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
• Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
• Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.