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Best car insurance companies in Pittsburgh
The best car insurance in Pittsburgh, according to our inquiry, is being written by Auto-Owners, Geico, State Farm and USAA. These companies feature the most robust coverage options and best discounts at a competitive price .
| Insurance Company | J.D. Power Score | Average Annual Premium for Minimum Coverage | Average Annual Premium for Full Coverage |
|---|---|---|---|
| Auto-Owners | 890/1,000 | $257 | $1,026 |
| Geico | 871/1,000 | $246 | $839 |
| State Farm | 881/1,000 | $332 | $1,149 |
| USAA | 890/1,000 | $328 | $1,203 |
Auto-Owners
Auto-Owners Insurance has one of the highest rankings on J.D. Power ’ s Customer Satisfaction sketch, think of that the company values thoroughly customer service and makes it a priority. Auto-Owner ’ randomness average rates are well below the Pittsburgh averages, at $ 257 per year for minimum coverage and $ 1,026 per year for full moon coverage. Auto-Owners offers all-important and optional coverages, including wayside service and loan col policy. It promises to waive your collision deductible if you are in an accident with another vehicle insured by the company, and has plenty of discounts including multi-policy, paid-in-full, and a safety features rebate .
Geico
Geico gave us some of the cheapest car insurance quotes in Pittsburgh, with $ 246 for an average annual rate for minimal coverage and $ 839 per year for full coverage. Although Geico did not score quite a high with J.D. Power ’ s national car customer satisfaction rankings as our other choices, it is rated as above average with the company ’ s regional rank for middle atlantic states.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Geico has some of the best discounts of any of the insurers we surveyed, and many of them are simple to earn. If you have multiple vehicles insured with the ship’s company, for example, you can save 25 % off your premium for both policies. A military penis who is deployed can besides get 25 %, and merely having an airbag could net you 23 % in savings .
State Farm
state farm is the largest writer of indemnity policies in the U.S. with 16 % of the commercialize partake. good customer service is a precedence for the company, and you can expect your claim to be handled quickly and efficiently. It has one of the best websites of any insurance company out there, and it is slowly to manage your bill on-line. country Farm ’ s average prices are at the high end among our top choices, but they are even below the average car insurance quotes for Pittsburgh. You will find easy-to-earn discounts available, including good driver, commodity scholar and accident exempt discounts .
USAA
USAA is an excellent company for Pittsburgh drivers who are in the military, are veterans or are contiguous syndicate to either. USAA specializes in working with military personnel and their families, and it goes the extra step to provide solid coverage with some nice extras. USAA ’ s discounts focus on the needs of the military. For example, you can save up to 60 % on your premium if you are deployed. There is a possible 15 % off on comprehensive coverage if you garage your car on base, and others for customer loyalty and good drive habits .
Cheapest car insurance in Pittsburgh
Pittsburgh drivers pay an average of $ 448 per annum for minimum coverage and $ 1,504 annually for fully coverage. This is on equality with the annual average for all Pennsylvania drivers, which is $ 427 and $ 1,476 respectively. Both of these, however, are on the brassy side when compared to the average across America, which is $ 565 and $ 1,674 .
| Insurance Company | Average Annual Premium for Minimum Coverage | Average Annual Premium for Full Coverage |
|---|---|---|
| Geico | $246 | $839 |
| Auto-Owners | $257 | $1,026 |
| Nationwide | $262 | $1,020 |
| USAA | $328 | $1,203 |
| State Farm | $332 | $1,149 |
average premium costs vary depending on the insurance company. Cheap car insurance quotes in Pittsburgh crop from a low of $ 246 per annum at Geico for minimal coverage to a high of $ 1,149 annually for full coverage at State Farm. Geico is the alone ship’s company on our list to score below the diligence average with J.D. Power. USAA is unique in entirely selling policies to those with a military connection. Nationwide merely offers a condom drive telematics choice to business owners, and State Farm excels with its state-of-the-art web site and excellent informational blog .
Pittsburgh insurance requirements
about every state in the U.S. has a necessity for the minimum car indemnity necessity in regulate to drive legally. here is the minimum coverage in PA :
- $15,000 bodily injury (BI) liability — this is the maximum your insurer will pay for a single person’s injuries in an at-fault accident.
- $30,000 total BI liability — this is the maximum your insurer will pay for all injuries if more than one person is injured in an at-fault accident.
- $5,000 property damage liability — this is the maximum your insurer will pay for damage to the other car or other structures in an at-fault accident.
- $5,000 medical benefits — this pays for your own medical bills or those of persons in your car, regardless of who is at fault.
If you have a lease or car lend, you may besides be required to carry collision and comprehensive coverage, which is besides called wide coverage. eminence that policy experts much recommend that you carry more than the minimum required, particularly for indebtedness. Consider, for case, the fact that a new car in the U.S. costs more than $ 40,000. If you have only the minimum property damage indebtedness, you might be forced to pay thousands of out-of-pocket dollars if you total the other driver ’ sulfur car .
Car insurance discounts in Pittsburgh
Most insurers offer discounts to help you save money. hera are some of the common ones for Pittsburgh drivers :
- Accident-free discount: If you go for a certain amount of time without an accident (often three to five years), you may earn a small discount, which can increase over time.
- Safe driving discount: Many insurers now use telematics technology, which offers you savings if you agree to install a small device in your car that monitors your speed, braking and more to ensure that you have good driving habits.
- Good student discount: If your teen or young adult driver is attending school and has a certain GPA, there are often discounts available. Some insurers offer discounts for students who are on the dean’s list or honor roll.
- Multi-line and multi-car discounts: If you have more than one policy with a company, either for multiple cars or by bundling your car and homeowner or renter’s insurance, you may receive a discount on both policies.
- Anti-theft discount: Pittsburgh drivers can maybe take advantage of a discount if their car has an anti-theft device that makes the fuel, ignition or starting systems inoperable when you are not present.
Frequently asked questions
What is the best car insurance company?
The best car indemnity party in Pittsburgh will be different for each driver. Factors such as your car ’ s senesce and condition, your own old age and your marital condition and coverage options make every premium singular .
How much does car insurance in Pittsburgh cost?
The average monetary value of a car policy policy in Pittsburgh is $ 448 per year for PA state of matter minimum coverage and $ 1,504 per year for full coverage. Your own policy may cost less if you are able to take advantage of some of the common discounts offered by insurers .
How much car insurance do I need in Pittsburgh?
Pennsylvania requires you to carry minimal liability coverage of 15/30/5, along with $ 5K of master of education give coverage. For an extra cost, however, you can increase any of these minimums or choose optional coverages such as collision and comprehensive.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean repel criminal record, commodity credit and the following wax coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each state of matter ’ south requirements. Our floor profile drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles annually. These are sample distribution rates and should lone be used for relative purposes .