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If you need help finding the cheapest car insurance rates in Pittsburgh, Pennsylvania, you’ve come to the right place. Our team reviewed data from some of the top auto insurance companies to find out which ones offer the most affordable prices.
Cheapest Car Insurance Companies in Pittsburgh
|Cheapest Insurer||Driver Category|
|Liberty Mutual||Safe Drivers|
|USAA||Drivers in the Military|
|Metromile||Low Annual Mileage|
|Esurance||Drivers Who Pay Their Premiums Upfront|
|State Farm||Teen Drivers|
FAQs About Cheap Car Insurance in Pittsburgh
What Are the Minimum Car Insurance Requirements in Pittsburgh?
In Pittsburgh, drivers must purchase and maintain auto insurance meeting the minimum liability limits listed here:
• Bodily injury liability coverage: $30,000 per accident
• Bodily injury liability coverage: $15,000 per person
• Medical benefits: $5,000 per collision
• Property damage liability coverage: $5,000
What Are the Penalties for Driving Without Auto Insurance in Pittsburgh?
In the Steel City, law enforcement officers take a hard line against anyone caught driving without insurance. Whether you’re flagged as uninsured by Pennsylvania’s electronic insurance database or nabbed on the road, you could jeopardize your driving record, missing out on hundreds of dollars in lucrative insurance discounts.
Whether it’s your first violation or your fifth, the penalties for driving with no insurance are always the same. Your license and registration will be suspended, you will be forced to pay $300 in fines, and you will have to pay an additional $180 to restore your driving privilege once the suspension period is complete.
What Is the Civil Penalty Option?
In Pittsburgh and other cities in Pennsylvania, you can elect to pay the civil penalty option which will allow other people to make use of your car after your license is suspended. This process costs $500 and requires you to first purchase insurance meeting the state’s minimum liability limits before applying. Be warned: If you are caught driving without insurance within a year of your previous violation, you cannot make use of the civil penalty option.
What is Uninsured/Underinsured Motorist Coverage?
While Pennsylvania has one of the lowest rates of uninsured drivers in the country, around 7.6% of the state’s motorists still risk fines on the road by driving with no insurance. If you collide with one of these errant motorists, it’s unlikely he/she will have the financial means to cover damages and injuries you sustained.
As part of Pennsylvania’s mandatory minimum liability limits, you are not required to purchase uninsured/underinsured motorist coverage. However, we do recommend adding this feature to your policy as this type of insurance – at a relatively affordable cost – will help mitigate financial loss in an accident involving an at-fault uninsured motorist.
What Is Rental Car Coverage?
If you’re involved in an accident and your car is either totaled or is booked in for extensive repairs, rental car coverage will reimburse you for the cost of renting a vehicle while yours is out of commission. Most insurers offer rental car coverage as an optional feature when purchasing a basic policy.