For a 40-year-old driver with a clean record, car insurance in Pittsburgh, PA, averages about $192 a month ($2,309 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 6% under Pennsylvania’s $204 monthly average. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $154 a month.
Pittsburgh drivers pay a little less than the Pennsylvania average and about half what Philadelphia drivers pay: for the same driver and car, full coverage here costs about $177 a month less than in Philadelphia.
Our 37 ZIP codes cover Pittsburgh mailing addresses, which include close-in suburbs such as Mt. Lebanon and Upper St. Clair as well as the city itself. Use these averages as a benchmark when you compare car insurance quotes in Pittsburgh.
Cost data comes from the auto rates insurers file with state regulators, priced across all 37 Pittsburgh ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Pittsburgh, PA, runs about $192 a month ($2,309 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $52 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 6% lower.
Erie has the lowest full-coverage average among the five insurers in our Pittsburgh rate data. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, Erie has the lowest average among these five insurers, at about $32 a month, followed by Progressive and GEICO at about $45 each.
Full-coverage averages by insurer in Pittsburgh
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Erie | $382 | $32 | $1,843 | $154 |
| GEICO | $543 | $45 | $2,127 | $177 |
| State Farm | $600 | $50 | $2,285 | $190 |
| Progressive | $538 | $45 | $2,411 | $201 |
| Allstate | $1,044 | $87 | $2,880 | $240 |
| Travelers* | $406 | $34 | $1,486 | $124 |
| Nationwide* | $569 | $47 | $1,785 | $149 |
| Westfield Insurance* | $252 | $21 | $2,056 | $171 |
| USAA (military families)* | $520 | $43 | $2,234 | $186 |
| Pittsburgh average | $621 | $52 | $2,309 | $192 |
This table uses Pittsburgh ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 37 Pittsburgh ZIP codes we price, full coverage for our driver ranges from about $176 a month in 15205, 15228 and 15241 to $209 in 15235, a gap of $403 a year. The South Hills suburbs are among the least expensive in our data, with 15241 (Upper St. Clair) and 15228 (Mt. Lebanon) at about $176 a month, while 15235 (Penn Hills) is the most expensive, followed by 15212 and 15221 (Wilkinsburg).
Lowest-priced Pittsburgh ZIP codes
Highest-priced Pittsburgh ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Pittsburgh’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 15201 | $639 | $53 | $2,419 | $202 | +5% |
| 15202 | $601 | $50 | $2,201 | $183 | -5% |
| 15203 | $635 | $53 | $2,424 | $202 | +5% |
| 15204 | $619 | $52 | $2,390 | $199 | +4% |
| 15205 | $584 | $49 | $2,114 | $176 | -8% |
| 15206 | $641 | $53 | $2,446 | $204 | +6% |
| 15207 | $651 | $54 | $2,388 | $199 | +4% |
| 15208 | $648 | $54 | $2,451 | $204 | +6% |
| 15209 | $612 | $51 | $2,196 | $183 | -5% |
| 15210 | $654 | $55 | $2,469 | $206 | +7% |
| 15211 | $657 | $55 | $2,454 | $205 | +7% |
| 15212 | $643 | $54 | $2,471 | $206 | +7% |
| 15213 | $627 | $52 | $2,387 | $199 | +4% |
| 15214 | $643 | $54 | $2,462 | $205 | +7% |
| 15215 | $588 | $49 | $2,222 | $185 | -4% |
| 15216 | $606 | $51 | $2,154 | $180 | -6% |
| 15217 | $638 | $53 | $2,411 | $201 | +5% |
| 15218 | $630 | $53 | $2,395 | $200 | +4% |
| 15219 | $635 | $53 | $2,447 | $204 | +6% |
| 15220 | $598 | $50 | $2,176 | $181 | -6% |
| 15221 | $654 | $55 | $2,476 | $206 | +7% |
| 15222 | $634 | $53 | $2,389 | $199 | +4% |
| 15223 | $600 | $50 | $2,192 | $183 | -5% |
| 15224 | $634 | $53 | $2,410 | $201 | +5% |
| 15226 | $642 | $54 | $2,335 | $195 | +2% |
| 15227 | $618 | $52 | $2,235 | $186 | -3% |
| 15228 | $603 | $50 | $2,110 | $176 | -8% |
| 15229 | $591 | $49 | $2,137 | $178 | -7% |
| 15232 | $633 | $53 | $2,350 | $196 | +2% |
| 15234 | $600 | $50 | $2,140 | $178 | -7% |
| 15235 | $649 | $54 | $2,512 | $209 | +9% |
| 15236 | $596 | $50 | $2,153 | $179 | -7% |
| 15237 | $586 | $49 | $2,143 | $179 | -7% |
| 15238 | $603 | $50 | $2,269 | $189 | -2% |
| 15239 | $614 | $51 | $2,278 | $190 | -1% |
| 15241 | $588 | $49 | $2,109 | $176 | -8% |
| 15243 | $598 | $50 | $2,127 | $177 | -8% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $42 a year on average in our Pittsburgh data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver. The $42 step is the smallest among our 11 Pennsylvania city guides, so higher limits are an easy call here.
Not for our benchmark driver. Comparing the same insurers in the same Pittsburgh ZIP codes, full coverage averaged $2,359 a year nine months earlier and $2,309 in rates as of Aug. 31, 2026, a 2.1% drop. State Farm cut its Pittsburgh average 10.5% and Progressive 2.0%, while Allstate raised its average 2.4%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.3%, led by Allstate, which raised its liability-only average 4.8%.
Pittsburgh’s hills, bridges and winter weather make for tricky driving, but the rates insurers file with state regulators for Pittsburgh ZIP codes run well below Philadelphia’s and a little below the state average. Allegheny County averages about $189 a month for full coverage in our data, close to the city figure.
Neighborhood matters less here than the insurer you pick. Every Pittsburgh ZIP code we price is within about $17 a month of the city average, while the gap between Erie and Allstate is about $86 a month. Picking the right company saves you far more than your address does.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Nearby, McKeesport averages about $189 a month for full coverage in our data, Butler $192 and New Castle $181, all close to Pittsburgh’s average. Erie, about 117 miles north, averages $189, and Philadelphia $369. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Pittsburgh follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $621 a year ($52 a month) in Pittsburgh, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $2,267 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in Pittsburgh, PA, costs about $192 a month ($2,309 a year) for full coverage and $52 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s 6% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in Pittsburgh, at about $154 a month, followed by GEICO at $177. Travelers and Nationwide, which we list with a *, come in lower in our table. For liability-only coverage, Erie has the lowest average among the five major insurers we compared, at about $32 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, by a lot. In our data, Pittsburgh full coverage averages about $192 a month, about $177 a month less than Philadelphia for the same driver and car, and about 6% below the Pennsylvania average.
In our data, 15205, 15228 and 15241 share the lowest full-coverage average in Pittsburgh, at about $176 a month, and 15235 the highest, at about $209. The ZIP code table on this page lists all 37.
In our Pittsburgh data, full coverage (100/300/100 with $500 deductibles) averages about $192 a month and liability-only coverage at 15/30/5 limits about $52, a difference of about $140 a month ($1,688 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Pittsburgh must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Pittsburgh full coverage fell 2.1% over the past nine months, from about $2,359 to $2,309 a year. State Farm cut its Pittsburgh average 10.5% and Progressive 2.0%, while Allstate raised its average 2.4%. Liability-only coverage at 15/30/5 limits rose 0.3%.
For our benchmark driver, full coverage in Pittsburgh averages about $192 a month. Nearby, Erie averages about $189, Harrisburg about $170 and York about $170. Erie, Harrisburg and York are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
