Updated: August 14, 2026
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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.
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.
Our free Pennsylvania home insurance calculator below estimates costs based on your desired coverage level and location.
| 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.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Sep 02, 2026
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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.
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 |
Rates among Pennsylvania's major home insurers vary by thousands of dollars annually, so shopping around pays off. Allstate has the lowest average premium at $1,263 per year, with USAA close behind at $1,313. Most carriers land between $1,400 and $2,000. Travelers is a notable outlier at $6,360, nearly five times Allstate's rate, so getting quotes from multiple providers before committing is worth your time.
| 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 |
Pennsylvania home insurance premiums range from $1,347 to $6,293 per year, depending on your coverage level. Higher limits and lower deductibles push costs up; lower limits and higher deductibles bring them down. Knowing where those levers are helps you balance what you pay against what you're covered for.
| $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 |
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 |
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 |
Pennsylvania home insurance costs 37% below the national average, at $2,195 per year versus $3,467 nationally. Several reasons account for the gap.
At about $240,500, Pennsylvania's median home value falls well short of the $303,400 national median as of 2024. Lower home values bring lower dwelling coverage limits, and lower coverage limits bring lower premiums. Insurers pay less to rebuild a $240,500 home than a $303,400 home, and that gap shows up directly in what Pennsylvania homeowners pay.
Coastal and western states see far more hurricanes, wildfires and earthquakes than Pennsylvania does. Between 2020 and 2024, the National Oceanic and Atmospheric Administration recorded 41 severe weather events statewide, mostly winter storms and occasional flooding rather than anything on the scale of a Florida hurricane or a California wildfire. That lower risk profile shows up directly as lower premiums.
Affordable rates in Pennsylvania trace back to the state's legal environment and liability claim patterns. Liability claim payouts here don't rank among the nation's highest, which keeps liability coverage priced reasonably. Personal injury awards also stay moderate next to states like California and New York, and both factors together bring overall premium costs down.
Current construction prices, not your home's market value, determine the right replacement cost coverage. Take inventory of your belongings too, so your personal property coverage limit matches what you own. Philadelphia's older infrastructure makes water backup coverage worth adding, and Pittsburgh's storm exposure makes stronger wind coverage worth it.
MoneyGeek's Pennsylvania home insurance calculator gives you an estimate based on your home's specific characteristics. Security systems, newer construction and a claim-free record can all lower your premium. Lake-effect weather preparation requirements qualify many Erie County homeowners for protective device discounts.
Price alone won't tell you which insurer is the better choice, so get quotes from at least three companies and weigh customer satisfaction ratings and claims processing speed against the price. A cheap premium loses its appeal fast if that insurer drags its feet on payouts.
Bundling home and auto with a single provider knocks 10% to 25% off your premiums, and Allegheny County residents stand to gain the most since urban risk already pushes their base rates up. Check that bundle every year, because the best deal today isn't guaranteed to stay the best deal next year.
Smoke detectors, security systems and storm shutters bring your premium down as soon as you install them, and staying claim-free saves $350 to $644 a year against the cost of filing. Credit matters too: taking your score from below fair to good cuts premiums by about 21%, from $2,792 to $2,195 a year.
Construction costs increase annually, and coverage limits that made sense last year may fall short today. A kitchen remodel, finished basement or new roof can push your home's rebuild cost above your current dwelling limit. New jewelry, electronics or collectibles carry the same risk on the personal property side. Review your limits once a year to catch any gaps before you need to file a claim.
Filing a claim in Pennsylvania raises your homeowners insurance premium by $350 for one claim and $644 for two claims compared to claim-free customers, who pay $2,195 a year on average.
One claim brings your rate to $2,545 a year. Two claims bring it to $2,839 a year. Claims stay on your record for five years, so the higher premium lasts the full five-year period.
Home insurance rates in Pennsylvania vary enough that shopping around can save you thousands of dollars a year. Travelers charges $530 a month for the same coverage Allstate prices at $105 a month.
Mid-tier insurers show a gap too: Erie's $143 a month against Chubb's $134 a month comes out to a $9 monthly difference. Compare quotes from at least three insurers to find your best rate.
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.
Older homes in Pennsylvania cost 77% more to insure than newer properties. A home built in 1980 averages $2,514 a year. A 2020-built home costs $1,422 a year, a $1,091 gap between the two. Middle-aged homes from 2000 land in between at $2,195 a year.
Aging components break down more often, so insurers charge higher premiums for older homes.
Pennsylvania doesn't legally require homeowners insurance, but mortgage lenders do for financed properties. Coverage protects their investment until the loan is paid off.
MoneyGeek calculated Pennsylvania home insurance estimates from real rate data at major insurers. These figures show how specific factors affect your actual premium instead of relying on advertised rates.
Our 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, a composition roof and no claims filed in the past five years.
To isolate each variable's impact, we changed one factor at a time while keeping everything else constant. For example, we compared homes built in 1980, 2000 and 2020 using the same coverage amounts and homeowner profile. That approach shows exactly how much each variable moves your rate.
Your actual premium will vary based 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.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek, analyzing hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
