Pittsburgh Car Insurance

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Aug 7, 2019

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Here's what you need to know...
  • Pennsylvania is a no-fault state, so Pittsburgh drivers must meet the appropriate requirements
  • Minimum liability requirements in Pittsburgh are 15/30/5
  • Due to its high crime rate and traffic, safety features are essential in vehicles and can lead to car insurance discounts

Pittsburgh is the second most congested city in Pennsylvania. With so many people and cars, Pittsburgh car insurance is very important!

Being industrious in nature, Pittsburgh motorists spend a lot of time on the road. The average Pittsburgh driver spends 23.1 minutes commuting to and from work each day.

When this is multiplied by the population of the city, one finds that there is more than 7.1 million minutes worth of driving time daily.

Looking for affordable car insurance in the Pittsburgh area? Enter your ZIP code above and start comparing today!

Car Insurance Laws in Pittsburgh

 

Taking these staggering statistics into account, one begins to comprehend the need to be fully protected when traveling on the road.

In fact, it is required by law that every driver should carry a minimum amount of insurance.

In Pittsburgh, it is not even possible to register a car unless the buyer proves that they have insurance. Not being insured can leave one open to lawsuits and financial devastation if they are involved in an accident.

If one continues to drive without insurance in Pittsburgh they may face the following stern action:

  • A fine of $300 or more operating a vehicle without insurance
  • Suspension of driver’s license and three-month registration
  • Registration reinstatement fee of $50
  • Driver’s license reinstatement fee of $50

In addition, if there is a lapse in insurance of less than 31 days, the vehicle cannot be used until the insurance is reinstated. If the lapse is more, then the plates have to be turned in to PennDOT before the 31-day limit runs out to avoid the penalties.

Upon turning the plates in, a letter of suspension of the driving privileges will be sent by the PennDOT along with instructions on how to have it reinstated. Pittsburgh also practices no-fault laws.

The driver’s own insurance company is required to reimburse the damages caused to the driver and the passengers in an accident according to the terms of the policy, regardless of whose fault the accident was.

In addition, the driver does not have the right to seek damages caused by the other party.

Pennsylvania Insurance Requirements for Private Vehicles

 

In order to be able to register a car in Pittsburgh, it is obligatory to have a minimum liability insurance policy. The coverage must include the following:

  • $15,000 of coverage for injury or death to one individual for a single accident
  • $30,000 of coverage for injury or death to more than one individual for a single accident
  • $5,000 worth of property damage

This is obviously the minimum coverage, and it is common knowledge that accidents are potentially very expensive.

To fully protect one’s self, it is best to have more. Knowing the exact type of coverage and the amount is perhaps the single most difficult part when buying car insurance.

In a city as congested as Pittsburgh, where the chances of accidents are enhanced due to the amount of traffic, being properly insured becomes more important.

Other than accidents, car theft can also create a major financial burden above and beyond leaving one stranded without a means of transportation to and from work.

Besides having theft insurance, it is important to secure the car with safety features like car alarms and trekking devices. Not only do they protect the car from being stolen; such security measures also helps find low-cost car insurance.

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Average Car Insurance Costs in Pittsburgh

Residents of Pittsburgh dish out an average of $1,460 for car insurance which 11.77 percent more than the average rate for Pennsylvania coverage.

There are numerous factors that are taken into account by the insurance companies when determining the cost premiums.

Amount of coverage, driving experience and previous record, marital status, age, type of car, amount of time the car will be on the road, type of driving and numerous other factors are taken into consideration to determine the cost of a policy.

Due to the number of variables involved and the competitive nature of the business, no two car insurance companies will give the exact quotes for the same policy.

Therefore, it is essential to compare the prices of different insurance companies to get the best possible deal before settling with a company.

Compare Pittsburgh Insurance Rates

Cost of insurance varies among the different companies, so a good rule is to get quotes from at least three different companies.

If one is not familiar with any companies and their reputation, then a good place to get an idea would the Pennsylvania Insurance Department’s Auto Insurance Guide.

The guide lists the top companies according to written premium volume by county.

When comparing rates, it is important to remember that many companies offer discounts for safe drivers, use of safe cars, drivers with package policies, good students and more.

Higher deductibles lead to lower premiums, so the cost of a policy can be lowered by choosing the deductible carefully keeping one’s income in mind.

Enter your ZIP code and start your car insurance comparison search today!

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