Below are our picks for the best home and auto insurance bundling companies in Pennsylvania:
Best Home and Auto Insurance in Pennsylvania
Updated: April 8, 2025
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Key Takeaways
State Farm, USAA and Allstate are the top home and auto insurance companies in Pennsylvania.
State Farm offers the best home and car insurance discount, with savings of 19% on auto and 35% on home insurance.
Pennsylvania's average annual home and auto insurance cost is $3,000, about 3% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Pennsylvania?
| USAA | 97 | $2,304 | $180 |
| State Farm | 87 | $1,940 | $693 |
| Nationwide | 86 | $2,575 | $532 |
| Allstate | 79 | $2,226 | $518 |
| Travelers | 75 | $5,165 | $656 |
| Progressive | 66 | $3,787 | $218 |
State Farm: Best Cheap Home and Auto Insurance in Pennsylvania
State Farm offers Pennsylvania's most affordable insurance, with bundling discounts of 19% for auto and 35% for home coverage. Young drivers can save more through programs like Steer Clear. State Farm ranks well in customer satisfaction — fourth for auto and seventh for home insurance, according to J.D. Power.
| Auto | $1,140 | $263 | 19% |
| Home | $800 | $431 | 35% |
USAA: Best Home and Auto Insurance in Pennsylvania for Military
USAA offers the second-best home and auto insurance after State Farm for military members and their families in Pennsylvania. It provides various discounts, including its SafePilot telematics program that rewards safe driving with up to 30% off car insurance. USAA ranks highest in J.D. Power customer satisfaction surveys for home and car insurance.
| Auto | $1,190 | $81 | 6% |
| Home | $1,115 | $99 | 8% |
Allstate: Best Home and Auto Insurance Coverage Options in Pennsylvania
Allstate is Pennsylvania's second-most affordable home and auto insurance provider. Its Drivewise program offers up to 40% savings on car insurance. Residents can access unique coverage options, including accident forgiveness, new car replacement and green improvement reimbursement — benefits not widely available elsewhere.
| Auto | $1,502 | $245 | 14% |
| Home | $724 | $273 | 27% |
Pennsylvania Home and Auto Insurance Cost
Pennsylvania's average monthly home and auto insurance cost is $250, slightly below the national average of $258. Depending on the provider, monthly rates range from $162 to $430.
| Pennsylvania home and auto insurance bundle | $3,000 | $94 | -3% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Pennsylvania Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Pennsylvania is more expensive, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| Travelers | Allstate | $2,010 |
| Travelers | USAA | $2,226 |
| Travelers | State Farm | $2,244 |
| USAA | Allstate | $2,268 |
| Nationwide | Allstate | $2,347 |
| State Farm | Allstate | $2,400 |
| USAA | State Farm | $2,502 |
| Travelers | Progressive | $2,520 |
| Nationwide | USAA | $2,563 |
| Nationwide | State Farm | $2,580 |
| State Farm | USAA | $2,616 |
| Travelers | Nationwide | $2,771 |
| USAA | Progressive | $2,778 |
| Nationwide | Progressive | $2,856 |
| State Farm | Progressive | $2,909 |
| Allstate | USAA | $2,960 |
| Allstate | State Farm | $2,977 |
| USAA | Nationwide | $3,029 |
| State Farm | Nationwide | $3,160 |
| Allstate | Progressive | $3,253 |
| Progressive | Allstate | $3,496 |
| Allstate | Nationwide | $3,504 |
| Progressive | USAA | $3,711 |
| Progressive | State Farm | $3,729 |
| Progressive | Nationwide | $4,256 |
| USAA | Travelers | $6,079 |
| Nationwide | Travelers | $6,158 |
| State Farm | Travelers | $6,211 |
| Allstate | Travelers | $6,555 |
| Progressive | Travelers | $7,306 |
Should I Bundle Home and Auto Insurance in Pennsylvania?
For Pennsylvania drivers, bundling home and auto insurance is often more affordable than buying them separately. However, you should still evaluate your coverage needs and financial situation to determine the best option.
Bundling discounts cost less than individual policies
In Pennsylvania, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $2,010, while bundling brings it down to $1,940.
Bundling makes policy management convenient
Bundling insurance simplifies management through one account.
In rare cases, it might be better not to bundle in Pennsylvania
Choosing nonbundled insurance might not save you more money, but it can offer more flexible coverage options.
Best Auto and Home Insurance in Pennsylvania: Bottom Line
State Farm, Allstate and USAA are the top choices for bundled home and auto insurance in Pennsylvania. Bundling saves money compared to separate policies. Compare quotes from different companies to find the best deal for your needs.
Home and Auto Insurance in Pennsylvania: FAQ
Find expert answers to common questions about Pennsylvania home and auto insurance here:
Who has the best home and auto insurance in Pennsylvania?
State Farm offers Pennsylvania's best overall home and auto insurance. Military members should choose USAA. Allstate provides the best coverage options.
Who has the cheapest home and auto insurance in Pennsylvania?
State Farm offers the most affordable home and auto insurance bundle in Pennsylvania at $1,940 annually. Policyholders can save an average of $693 annually compared to the state average.
How much does home and auto insurance in Pennsylvania cost on average?
The average annual premium for home and auto insurance bundles in Pennsylvania is $3,000, roughly 3% lower than the national average. The most affordable option costs about $1,940 per year, while the priciest reaches $5,165.
Is bundling home and auto insurance cheaper in Pennsylvania?
Bundling home and auto insurance costs less in Pennsylvania, our research shows. But consider your coverage needs for financial protection from major losses rather than focusing only on price.
Best Auto and Home Insurance Bundle in Pennsylvania: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Pennsylvania Insurance Department and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Pennsylvania
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Pennsylvania
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.