Average Cost of Homeowners Insurance in Pennsylvania (2025)

The average cost of homeowners insurance in Pennsylvania in 2024 is $1,575. This figure falls $848 below the national average of $2,423. Aside from coverage amount, credit rating has the largest impact on premiums, with Pennsylvania homeowners potentially seeing a $4,344 difference between the lowest and highest premium amounts based on credit scores.

If your rates have recently increased, our analysis of the cheapest policies in the state might guide you to more affordable options. Remember, the insurance provider you choose also affects your premium costs.

Pennsylvania's average homeowners insurance premium is $1,575, well below the national average of $2,423.

Your coverage amount directly impacts your premium. A smaller home with $100,000 dwelling coverage costs $912 annually, while a larger property needing $500,000 in dwelling coverage runs $2,593 per year. Make sure you have enough coverage to rebuild your home and replace belongings after a total loss.

Homeowners insurance premiums in Pennsylvania vary widely by insurer. Allstate offers policies at $817 annually, while Travelers charges $4,422 for similar coverage. These price differences reflect varying underwriting practices and risk assessments.

Compare options from multiple great providers in Pennsylvania. Differences in underwriting can lead to substantial premium variations.

In Pennsylvania, homeowners with poor credit pay an average of $5,271 per year for insurance — about $3,696 more than those with excellent credit, who pay around $927 annually. This gap shows how much credit scores can affect insurance costs.

Improving your credit score takes time, but you can still find savings in the meantime. Comparing insurers helps you identify better rates for your situation. You can start by checking which providers offer the most competitive rates and see how much you could save.

Your roof material affects your homeowners insurance premium in Pennsylvania. Tile roofs often qualify for lower rates because of their durability, while shake-treated materials cost more to insure since they're vulnerable to weather damage.

Construction materials matter too. Fire-resistant materials can earn you better rates, while standard frame construction costs more to insure because of its vulnerability.

New construction in Pennsylvania costs $884 to insure annually, $691 less than the $1,575 average for older homes. Modern materials and current building codes reduce premiums for newer properties.

Pennsylvania homeowners with clean records pay $1,575 annually for standard coverage. File one claim in the past five years and your premium jumps to $1,902. Two claims push your annual cost to $2,115—that's $327 and $540 above the base rate.

Premiums in the cities we analyzed range from $1,321 to $2,503. Lancaster homeowners pay about $1,321 annually, while Philadelphia residents pay $2,503. Crime rates and weather risks drive these location-based differences.

Finding the right home insurance in Pennsylvania doesn't require extensive effort. Understanding key factors helps you find affordable coverage. Here's your roadmap.

Pennsylvania homeowners save an average of 9% by bundling home and auto insurance policies, up to $585.50 on combined premiums. See MoneyGeek's Best and Cheapest Home and Auto Bundle Companies in Pennsylvania for detailed savings analysis.

Pennsylvania homeowners qualify for multiple insurance discounts:

• Claims-free discount: For those who haven't filed a claim in several years.
• Home safety features discount: Installation of smoke detectors, burglar alarms, etc.
• Loyalty discount: Extended patronage with the same insurance company.

Check our guide on how to save with discounts for complete details. Ask about all available discounts when requesting quotes.

Check out the links below to learn more about homeowners insurance in Pennsylvania.

• Pennsylvania Insurance Department: Official state resource for insurance regulations.
• Affordable Home Insurance in Pennsylvania: Find cost-effective options for your home.
• Pennsylvania Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in Pennsylvania: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.