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Cheap Auto Insurance in Pittsburg, KS

Pittsburg drivers pay an average of $1,708/year β€” $63 less than the national average. With 237 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $196/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Pittsburg, KS Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Pittsburg, KS from top carriers. Rates are adjusted for Pittsburg's 237 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$649$108/mo
Shelter Insurance$706$118/mo
Progressive$731$122/mo
Farm Bureau$783$130/mo
State Farm$798$133/mo

Estimates based on 2026 rate filings for ZIP 66762. GEICO is cheapest at ~$108/mo. Actual rates vary by driver profile and exact Pittsburg location.

Pittsburg Driving Safety & Insurance Stats

These Pittsburg-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,708
Avg. Annual Premium
237
Crashes Per Year
2
Fatal Crashes/Year
61
DUI Arrests/Year
2.1 per 1,000
Vehicle Thefts
8%
Uninsured Drivers
19.3 min
Avg. Commute
21K
Population

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Auto Insurance in Pittsburg: What Drives Your Rate

Pittsburg is a smaller city in Kansas with a population of 20,646. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, hail, ice storms, flooding, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Pittsburg.

Key Risk Factors in Pittsburg

For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.

Auto Insurance Rates by ZIP Code in Pittsburg, KS

Your specific ZIP code within Pittsburg can swing your premium by hundreds of dollars. Here's how rates compare across Pittsburg neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
66765Pittsburg South Side$1,605/yr$134/mo
66770Pittsburg West Side$1,680/yr$140/mo
66766Pittsburg North Side$1,683/yr$140/mo
66772Pittsburg East Side$1,767/yr$147/mo
66762Pittsburg Downtown/Central$1,862/yr$155/mo

The cheapest ZIP is 66765 (Pittsburg South Side) at $1,605/yr. The most expensive is 66762 (Pittsburg Downtown/Central) at $1,862/yr β€” a $257/year difference for the same driver.

πŸŽ–οΈ Live in Pittsburg South Side or Pittsburg Downtown/Central?

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Auto Insurance Rates by Age in Pittsburg, KS

Age is one of the biggest rating factors in Pittsburg. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,587/yr$299/mo+110% vs avg
Young Adult (20-25)$2,391/yr$199/mo+40% vs avg
Adult (26-35)$1,708/yr$142/mo0% vs avg
Mid-Career (36-50)$1,503/yr$125/mo-12% vs avg
Senior (51-65)$1,418/yr$118/mo-17% vs avg
65+$1,520/yr$127/mo-11% vs avg

Teens in Pittsburg pay an average of $3,587/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,418/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Pittsburg

Kansas Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Kansas Cities

Compare auto insurance rates in other Kansas cities:

Pittsburg, KS Auto Insurance FAQ

How much is car insurance in Pittsburg, KS?
The average annual auto insurance premium in Pittsburg is $1,708, which is $63 below the national average. Rates range from $1,605/yr in Pittsburg South Side (ZIP 66765) to $1,862/yr in Pittsburg Downtown/Central (ZIP 66762). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Pittsburg?
GEICO typically offers the cheapest full coverage in Pittsburg at around $108/month. However, with 237 annual crashes and a 8% uninsured driver rate in Pittsburg, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Pittsburg, KS?
Pittsburg follows Kansas state law requiring minimum liability of 25/50/25. However, with 237 crashes per year and 2 fatal crashes annually in Pittsburg, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Pittsburg's risks including tornadoes, severe thunderstorms, hail, ice storms, flooding.
Can I get a free auto insurance quote for Pittsburg?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Pittsburg ZIP code β€” whether you're in Pittsburg South Side or Pittsburg Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance affordable in Pittsburg?
Pittsburg has 237 crashes per year, 61 DUI arrests annually, and a vehicle theft rate of 2.1 per 1,000. Despite these factors, Pittsburg's 19.3 min average commute and lower traffic density help keep rates manageable compared to larger metro areas. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Pittsburg?
ZIP code 66765 (Pittsburg South Side) tends to have the lowest rates in Pittsburg at around $1,605/year. The most expensive area is Pittsburg Downtown/Central (ZIP 66762) at $1,862/year β€” a difference of $257/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Kansas Insurance Department β€” official state insurance regulator for Kansas.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Kansas Division of Vehicles β€” Kansas vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Pittsburg

Pittsburg drivers can save up to $196/year. ZIP 66765 (Pittsburg South Side) has the lowest rates starting at $1,605/yr.

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