Updated: May 21, 2026
Advertising & Editorial Disclosure
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.
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.
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.
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.
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.
Start with your home's replacement cost using current construction prices, not market value. List your belongings to determine personal property coverage needs. Older infrastructure in Philadelphia makes water backup coverage worth considering; Pittsburgh homes benefit from enhanced wind protection.
MoneyGeek's Pennsylvania home insurance calculator gives location-specific estimates based on your home's characteristics. Ask about discounts for security systems, newer construction or a claim-free record. Erie County homeowners often qualify for protective device discounts given lake-effect weather preparation needs.
Get quotes from at least three insurers. Check customer satisfaction ratings, claims processing speed and financial strength alongside price. A low premium means little if the insurer is slow to pay out.
Combining home and auto coverage with one provider can cut 10% to 25% off your premiums in Pennsylvania. That's worth considering for Allegheny County residents, who pay higher base rates due to urban risks. Review your bundle annually to confirm you're getting the best deal on both policies.
Install smoke detectors, security systems and storm shutters to bring premiums down. Staying claim-free saves $350 to $644 per year compared to filing claims. Improving your credit from below fair to good cuts about 21% annually, dropping the average premium from $2,792 to $2,195.
Building material prices rise every year, and your coverage may not keep up. After a kitchen remodel, finished basement or new roof, your dwelling coverage limit may no longer reflect what it'd cost to rebuild. The same goes for personal property: adding jewelry, electronics or collectibles means your limits may need adjusting. A quick annual review catches those gaps before a claim does.
The following FAQs address common questions about home insurance pricing in the state and help you understand potential expenses.
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.
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.
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 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.
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 using real rate data from major insurers, showing how specific factors affect your actual premium rather than 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
