Our rankings of the best home insurance in Allentown place Erie at the top with a MoneyGeek score of 4.9 out of 5, offering reliable local agent support and competitive rates at $117 monthly. USAA earned the highest score at 5.0 for military families and veterans, but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. USAA, Chubb, State Farm and Farmers complete our top five.
Best Cheap Home Insurance in Allentown, Pennsylvania
Updated: February 26, 2026
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Compare the Best Home Insurance Companies in Allentown
| Erie | 4.87 | $117 |
| USAA | 4.99 | $94 |
| Chubb | 4.73 | $112 |
| State Farm | 4.58 | $97 |
| Farmers | 4.39 | $138 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Allentown Homeowners Insurance
Erie
Best for Allentown Homeowners
MoneyGeek Rating
4.9/ 5
4.9/5Affordability
4.8/5Customer Experience
4.9/5Coverage
J.D. Power Customer Satisfaction Score
N/AFrom the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$117Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
5.0/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$94Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
Chubb
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.4/5Customer Experience
4.6/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$112Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Allentown Home Insurance Cost?
Home insurance in Allentown costs $153 monthly on average for $250,000 dwelling coverage, $125,000 personal property protection and $200,000 liability limits, compared to Pennsylvania's average of $183 per month. Your rate varies based on factors like your home's age, construction materials, wildfire proximity and deductible choice. These coverage amounts provide solid financial protection for most homeowners in the area.
Allentown's geography near the Lehigh River increases flood risk, while many older home structures with outdated wiring create fire hazards that drive up premiums. These local risk factors make claims more likely, which explains why insurers charge higher rates despite being below the state average.
| $100K Dwelling / $50K Personal Property / $100K Liability | $94 | $1,130 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $153 | $1,831 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $242 | $2,909 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $336 | $4,031 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $437 | $5,248 |
Who Has the Cheapest Home Insurance in Allentown?
Allstate offers the lowest home insurance rates in Allentown at $92 monthly, which saves homeowners 40% compared to the city's $153 average. USAA comes in second at $94 per month, providing a 39% discount from typical Allentown premiums while maintaining strong coverage options and local agent support.
| Allstate | $92 | -40% |
| USAA | $94 | -38% |
| State Farm | $97 | -36% |
| Chubb | $112 | -27% |
| Erie | $117 | -23% |
COMPARE COVERAGE, NOT JUST COST
Adequate protection should be your top priority as an Allentown homeowner, not just finding cheap rates. Compare premiums alongside coverage limits, deductibles and customer satisfaction ratings so you get the protection you need. See our review of the best homeowners insurance companies in Pennsylvania for top providers in the state.
How to Get the Best Cheap Home Insurance in Allentown
Homeowners in Allentown need to balance cost with adequate coverage for local risks when shopping for insurance.
Compare quotes from multiple insurers
Request quotes from at least three companies. Rates vary, with average premiums ranging from $94 to $138 monthly among top-rated Allentown insurers.
Bundle home and auto policies
Most Allentown insurers give 10% to 25% discounts when you combine policies, with companies like Allstate and State Farm providing multi-policy savings.
Maintain a strong credit score
Pennsylvania insurers use credit-based insurance scores when calculating premiums, and improving your credit can lower rates over time.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in Allentown: Bottom Line
Allentown homeowners pay an average of $153 monthly for home insurance, and rates range from $92 to $138 among the insurers on our list. Erie earns the highest MoneyGeek score among providers. Allstate offers the cheapest home insurance rates at $92 monthly, but does not have a MoneyGeek score in our rankings.
Allentown Home Insurance: FAQ
Common questions for Allentown homeowners include coverage requirements and reducing insurance costs.
Does home insurance cover wind damage in Allentown?
Yes, wind damage from Allentown's severe storms is covered under standard home insurance. Wind damage to your roof, siding, windows and other structures is covered, after you pay your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. Residents should buy separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Allentown?
Pennsylvania doesn't legally require home insurance, but lenders require coverage until you've paid off your mortgage. Even without a mortgage, homeowners should still keep insurance to protect against severe winter storms and snow damage, flooding from heavy rainfall and other risks common in Allentown.
What discounts are available for Allentown homeowners?
Multiple savings opportunities exist for Allentown homeowners, including bundling home and auto policies for 10% to 25% off, installing security systems (5% to 15% discount), upgrading to fire-resistant roofing materials (up to 20% savings) and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Allentown
We analyzed premium data from Quadrant Information Services for 10 major insurers serving Pennsylvania, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Allentown homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits, higher deductibles of $2,500 or $5,000 and homeowners with poor credit scores to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
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.