Pennsylvania's average home insurance premium costs $183 monthly or $2,195 annually. This is 37% below the national average, saving residents $106 each month or $1,272 per year. Pennsylvania ranks 28th among all states for home insurance costs.
Average Home Insurance Cost in Pennsylvania
Updated: January 6, 2026
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Key Takeaways: Pennsylvania Home Insurance Rates
Pennsylvania ranks as the twenty-eighth most expensive state for homeowners coverage, with home insurance costing an average of $183 monthly or $2,195 annually.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in Pennsylvania at competitive rates.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without providing any personal information.
How Much Is Home Insurance in Pennsylvania?
| Pennsylvania | $2,195 | $3,467 | -37% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 06, 2026
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What Affects Average Pennsylvania Home Insurance Costs?
Home insurance costs in Pennsylvania vary based on multiple factors. Your location, coverage limits, home's construction materials, insurance company, credit score and claims history all play a role in determining your premium. Let's examine how each of these elements impacts what you'll pay for coverage.
Average Pennsylvania Home Insurance Cost by City
Home insurance costs vary across Pennsylvania cities based on local risk factors. Philadelphia homeowners pay $2,867 annually — the state's highest rate due to urban density and older housing stock. In contrast, Lancaster residents pay just $1,600 per year. Most other major cities including Pittsburgh, Harrisburg and Allentown range between $1,600 and $1,850 annually.
| Allentown | $153 | $1,831 |
| Coal Township | $137 | $1,643 |
| Harrisburg | $141 | $1,697 |
| Lancaster | $133 | $1,600 |
| Philadelphia | $239 | $2,867 |
| Pittsburgh | $135 | $1,616 |
| Slickville | $134 | $1,607 |
Average Cost of Pennsylvania Home Insurance by Company
Pennsylvania homeowners can save thousands by comparing insurers. Allstate offers the lowest average premium at $1,263 annually, followed closely by USAA at $1,313. Most major carriers fall between $1,400 and $2,000 per year. Travelers charges more at $6,360, making provider comparison essential for cost-conscious homeowners.
| Allstate | $105 | $1,263 |
| USAA | $109 | $1,313 |
| State Farm | $118 | $1,413 |
| Chubb | $134 | $1,602 |
| Erie | $143 | $1,718 |
| Farmers | $157 | $1,885 |
| Nationwide | $167 | $2,008 |
| Travelers | $530 | $6,360 |
Average Pennsylvania Homeowners Insurance Pricing by Coverage Level
Pennsylvania homeowners insurance costs vary based on coverage amounts, ranging from $1,347 to $6,293 annually. Higher coverage limits and lower deductibles push premiums up, while selecting lower coverage amounts and higher deductibles can reduce your costs. Your specific coverage choices directly impact what you'll pay for protection.
| $100K Dwelling / $50K Personal Property / $100K Liability | $112 | $1,347 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $183 | $2,195 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $291 | $3,495 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $403 | $4,836 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $524 | $6,293 |
Pennsylvania Homeowners Insurance Costs by House Age
Home age creates rate differences in Pennsylvania. Older homes cost 77% more to insure than newer construction, that's $2,514 versus $1,422 annually. Middle-aged properties split the difference at $2,195 per year. Updated electrical, plumbing and roofing systems in newer homes reduce claim likelihood, keeping premiums lower.
| Newer | $119 | $1,422 |
| Middle Age | $183 | $2,195 |
| Older | $209 | $2,514 |
Average Pennsylvania Home Insurance Cost by Credit Score
Pennsylvania insurers weigh credit when setting rates. Homeowners with excellent credit pay just $585 annually on average. That rate jumps to $2,195 for good credit, $2,792 for below fair credit and $4,437 for poor credit. Improving your score from below fair to good saves $597 per year.
| Excellent | $49 | $585 |
| Good | $183 | $2,195 |
| Below Fair | $233 | $2,792 |
| Poor | $370 | $4,437 |
Why Is Home Insurance So Affordable in Pennsylvania?
Pennsylvania homeowners enjoy rates 37% below the national average at $2,195 annually compared to $3,467 nationwide. This affordability stems from several factors.
Moderate Home Values
Pennsylvania's median home value of approximately $240,500 sits below the national median of $303,400 as of 2024. Lower home values mean lower dwelling coverage limits, which directly reduce insurance premiums. Rebuilding a $220,000 home costs insurers less than replacing a $303,400 property, so Pennsylvania homeowners pay less for coverage.
Lower Catastrophic Weather Risk
Pennsylvania experiences fewer hurricanes, wildfires and earthquakes than coastal or western states. According to the National Oceanic and Atmospheric Administration, Pennsylvania had a total of 41 severe weather events between 2020 and 2024. The state faces winter storms and occasional flooding, but these events cause less severe damage than hurricanes in Florida or wildfires in California. Lower catastrophic risk translates directly to lower premiums.
Lower Liability Exposure
Pennsylvania's legal environment and liability claim patterns contribute to affordable rates. The state doesn't appear on lists of highest liability claim payouts, keeping liability coverage costs reasonable. Combined with moderate personal injury awards compared to states like California or New York, this reduces overall premium costs.
Tips to Save on Pennsylvania Home Insurance
Pennsylvania homeowners face rising insurance costs, making it important to find the cheapest home insurance in Pennsylvania available. These practical strategies help you lower premiums and manage your housing expenses more effectively.
- 1Calculate Coverage Needs
Start with your home's replacement cost using current construction prices rather than market value. List your belongings to determine personal property coverage requirements. Older infrastructure in Philadelphia makes water backup coverage worth considering, while Pittsburgh homes benefit from enhanced wind protection.
- 2Research Costs and Discounts
MoneyGeek's Pennsylvania home insurance calculator provides location-specific estimates based on your home's characteristics. Ask about discounts for security systems, newer construction or claim-free records.Â
Erie County homeowners often qualify for protective device discounts due to lake-effect weather preparation needs.
- 3Compare Multiple Providers
Request quotes from at least three insurers. Evaluate both pricing and service quality by checking customer satisfaction ratings, claims processing speed and financial strength. Don't choose based solely on price; poor claims service costs more than premium savings.
- 4Bundle Your Policies
Combine home and auto insurance with one provider to unlock bundling discounts ranging from 10% to 25% in Pennsylvania. This strategy works well for Allegheny County residents who face higher base rates due to urban risks. Review bundle options annually to ensure you're maximizing savings across both policies.
- 5Reduce Risk Factors
Install safety features like smoke detectors, security systems and storm shutters to lower premiums. Maintain a claim-free record to save $350 to $644 annually compared to filing claims. Improving credit from below fair to good saves about 21% annually in Pennsylvania, reducing premiums from $2,792 to $2,195 on average.
REVIEW YOUR POLICY ANNUALLY FOR COVERAGE GAPS
Pennsylvania homeowners should review their policies yearly to ensure coverage keeps pace with rising construction costs and home improvements. Building material prices increase every year, potentially leaving homes underinsured. Check that your dwelling coverage matches current replacement costs, especially after renovations like kitchen remodels, finished basements or roof replacements. Review personal property limits if you've acquired valuable items like jewelry, electronics or collectibles. An annual review prevents gaps that could leave you paying out of pocket after a claim.
Calculate Pennsylvania Homeowners Insurance Costs: FAQ
The following FAQs address common questions about home insurance pricing in the state and help you understand potential expenses.
How much will my premium increase after filing a claim in Pennsylvania?
Filing a claim in Pennsylvania increases your homeowners insurance premium by $350 for one claim and $644 for two claims compared to claim-free customers. Pennsylvania homeowners without claims pay $2,195 annually on average.
One claim raises your rate to $2,545 per year, while two claims increase it to $2,839 annually. Claims remain on your record for five years, meaning you'll face these elevated premiums throughout that period.
How much can I save by choosing a different insurer in Pennsylvania?
You can save thousands of dollars annually by shopping around for home insurance. Travelers charges the highest rates at $530 monthly, while Allstate offers the most affordable coverage at just $105 per month for comparable protection.
The savings remain even among mid-tier insurers. Erie costs $143 monthly compared to Chubb's $134 rate, creating a $9 monthly difference. Compare quotes from at least three insurers to find the best rate for your situation.
What's the difference between replacement cost and actual cash value in Pennsylvania?
Replacement cost coverage pays to rebuild your home at current construction prices without deducting for depreciation. Actual cash value coverage subtracts depreciation based on your home's age and condition before paying claims.
Why does home insurance cost more for older homes in Pennsylvania?
Older homes in Pennsylvania cost 77% more to insure than newer properties. A home built in 1980 averages $2,514 annually, while a 2020-built home costs just $1,422 per year. This creates a $1,091 gap between old and new homes. Middle-aged homes from 2000 fall between these extremes at $2,195 yearly.
Insurance companies charge higher premiums for older homes because aging components break down more frequently.
Does Pennsylvania require homeowners insurance?
Pennsylvania doesn't legally require homeowners insurance, but mortgage lenders mandate it for financed properties. Lenders require coverage to protect their investment until you pay off the loan.
How We Analyzed Pennsylvania Home Insurance Rates
MoneyGeek calculated Pennsylvania home insurance estimates using real rate data from major insurers. This approach shows how specific factors affect your actual premium costs rather than relying on general advertised rates.
We built our analysis around a standard homeowner profile: $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage, and a $1,000 deductible. The model assumes a home built in 2000 with frame construction, composition roof, and no insurance claims filed in the past five years.
This profile matches typical Pennsylvania homeowners across the state. The $250,000 dwelling amount aligns with median home values in most Pennsylvania markets. Homes built in 2000 represent the most common age range for properties statewide.
Our research method changed one factor at a time while keeping everything else identical. For example, we compared homes built in 1980, 2000, and 2020 using the same coverage amounts and homeowner characteristics. This process shows exactly how much each variable affects your rate.
Your actual premium will be different depending on your home's construction, roof type, age, location, coverage choices, claims history, and credit score. The rate variations shown here demonstrate which factors have the biggest impact when you shop for Pennsylvania home insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- NOAA. "Summary Stats." Accessed January 5, 2026.