Pittsburgh Car Insurance

Everything You Need to Know About Car Insurance in Pittsburgh, PA

Find the right car insurance policy for you.

Pittsburgh, PA has a number of high-traffic roads, such as the Parkway West, the Parkway East and routes 28 and 51. Additionally, because of its hilly terrain, many of the back roads are steep, narrow and winding. All of this can lead to an increased risk of collisions, particularly in the winter when the roads are slick with sleet and snow. As a vehicle owner in this city, you should therefore benefit by carrying an appropriate Pittsburgh auto insurance policy.

Car insurance is required of vehicle owners in Pittsburgh, but overpaying for it is not. Independent insurance agents in the Trusted Choice® network can help you gather and compare a variety of affordable Pittsburgh car insurance quotes for policies that have been customized to fit your coverage and budgetary needs. Find an agent near you to learn more so you can soon start comparing rates from a selection of competing insurers.

  • National average cost per year: $1,311
  • Pennsylvania average cost per year: $1,304
  • 23rd most expensive auto premium in U.S.

The car insurance rates in Pennsylvania are on par with the national average. Of course, these are just averages. Your rates may be higher or lower depending on your particular circumstances. When you contact insurance companies for quotes, they will calculate your rates according to a number of considerations, including but not limited to the following:

  • The ZIP code where you live and park your car
  • The make, model and year of the car(s) you are insuring
  • The average number of miles you drive per year
  • Your claims history and credit score
  • The age, sex, marital status and driving records of all licensed drivers in your household
  • The liability coverage limits you are requesting
  • The deductible you are requesting
  • The coverage options you choose to include with your coverage

Because so many different factors are used to calculate your Pittsburgh auto insurance rates, you are likely to get a different quote from each insurance company you contact. That is how comparison shopping can help you get the best price for your policy.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Pennsylvania Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 15/30/5: Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $5,000 coverage for property damage

In Pennsylvania, failure to carry auto insurance has consequences. You may be subjected to a fine of $300 and be required to surrender your driver’s license, registration plate and sticker card for three months. Afterward, you must pay an addition fee of $176 to have them reinstated. In some cases, your vehicle may also be impounded.

There is an exception. If your insurance has lapsed for fewer than 31 days at the time you are caught driving without coverage, you may have the option of avoiding the plate and license suspension by paying a $500 civil penalty fee. You will still need to pay an $88 reinstatement fee and will have to present proof of insurance in order to avoid the full three-month suspension.

Number of Uninsured Motorists in Pennsylvania

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Pennsylvania drivers: 6.5%

If you are in a collision with an at-fault driver who is uninsured, that driver is still required to cover your property damage as well as any necessary medical treatment needed by you or your passengers. Unfortunately, this compensation can be difficult, if not impossible, to collect.

The good news is that by adding uninsured motorist coverage to your Pittsburgh auto insurance policy, you are able to get the coverage you need through your insurance company. Your insurer then goes after the uninsured driver on its own behalf. Uninsured motorist insurance also covers collisions with hit-and-run drivers, so it can be an important addition to your policy.

Number of Auto Thefts in Pennsylvania

  • National number of thefts per 1,000 vehicles: 2.94
  • Pennsylvania number of thefts per 1,000 vehicles: 1.50

The rate of car theft in Pennsylvania is lower than the national average, and in the city of Pittsburgh, it is relatively low as well. In 2013, there was a total of 616 auto thefts reported in this city. That equates to about 2 thefts per 1,000 vehicles. Some parts of the city are safer than others when it comes to auto theft and vandalism, so the ZIP code where you live plays a role in your calculated rates.

When you supplement your Pittsburgh car insurance policy with comprehensive, or “other than collision,” insurance, you have coverage against vehicular property crimes. Comprehensive coverage provides compensation against nearly all noncollision-related catastrophes, including theft, floods, fires and falling objects.

Find a Great Pittsburgh Car Insurance Policy

When you are shopping for Pittsburgh auto insurance, you will want to be sure that you are not only purchasing a policy from a reputable insurance company but also that you are getting your coverage at a competitive rate. Comparison shopping can help you find the most affordable policy, but it can often be time-consuming and bothersome when you go about it on your own.

That is why it is beneficial to enlist the help of one of the many independent insurance agents in the Trusted Choice network. These agents make gathering and comparing policies and rates easy. They can work with several dependable insurance companies to provide you with a selection of Pittsburgh auto insurance quotes for policies that have been suitably customized to meet your needs. Find a Trusted Choice agent with an office in the Pittsburgh area to get started.

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