Updated December 15, 2025

4 Best Tips For Buying Cheap Car Insurance in Pittsburgh, PA

Pennsylvania cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Pittsburgh, PA

Jerry has helped customers find affordable coverage in Pennsylvania since 2019. In Pittsburgh, here are some key numbers from the past six months:

  • Jerry has helped 931 drivers to compare 16 insurance providers.

  • Majority of quotes range from $118 to $327 per month.

  • On average, Jerry users who switched to a lower quote saved $41 to $162 per month.

If you’re looking to save on car insurance, Jerry brings you competitive quotes in just a few minutes. 

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How Jerry finds car insurance savings for Pittsburgh drivers

Premiums have gone up for a lot of drivers in Pittsburgh, but you don’t have to just sit back and accept it. Jerry compares quotes, uncovers discounts and helps you choose smarter coverage for your needs and budget. Below are real examples of Pittsburgh drivers who found cheaper coverage through Jerry.

Recent quotes

Last Updated Dec. 16, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Pennsylvania


If you’re looking to get the best deal on your car insurance, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest rate

Checking quotes before your policy renews helps you avoid overpaying, no matter which coverage level you choose. Since insurers price driver profiles in Pittsburgh differently, the same coverage can come with very different price tags.

Here’s how those differences show up for real Jerry customers:

Recent customer quotes

Last Updated Dec. 16, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Shopping around for car insurance can save money but is time-consuming. Jerry reduces the hassle and helps you compare quotes in minutes.

Jerry Agent Tip 2: Apply discounts to maximize your savings

Drivers in Pittsburgh can lower their premiums by using discounts for things like being a homeowner, going paperless or having modern safety features. Combined, these savings can make premiums more affordable without compromising protection

It’s not always easy to know which discounts you qualify for, so Jerry finds and stacks them for you automatically.

Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.

Jerry Agent Tip 3: Balance coverage and cost for smarter protection

Comparing coverage levels helps you stay protected without paying for more than you need. You can stick with the legal state minimum to keep premiums low, or choose higher tiers for extras like rental coverage, towing and better financial protection after an accident. 

Here are the coverage options Pittsburgh drivers can choose from to find the balance that works best:

Minimum

$63$116/mo

Meets state-required liability, PIP and limited tort, but doesn’t cover damage to your own car.

Full

$154$337/mo

Adds collision and comprehensive coverage, typically required for financed or leased vehicles.

Standard

$183$378/mo

Often includes full tort, higher liability limits and optional medical payments.

Preferred

$202$447/mo

Higher liability, lower deductibles and extras like rental reimbursement or towing.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Comparing coverage tiers helps you understand the tradeoffs between what you pay each month and the risk you’re taking on. Jerry shows real-time prices for each tier so you can choose the option that works best for you.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving brings risks, from collisions to repairs, and the right coverage and smart discounts can keep costs under control. When you compare quotes and stack the discounts available to you, you can cut your premium without cutting coverage. Jerry helps Pittsburgh drivers do exactly that by finding lower prices and the protection that fits their needs.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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