Our rankings of the best home insurance in Pittsburgh place Erie at the top with a MoneyGeek score of 4.9 out of 5 and $95 monthly rates, offering reliable local agent support. 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 Pittsburgh, Pennsylvania
Updated: February 25, 2026
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Compare the Best Home Insurance Companies in Pittsburgh
| Erie | 4.89 | $95 |
| USAA | 4.96 | $100 |
| Chubb | 4.73 | $98 |
| State Farm | 4.55 | $100 |
| Farmers | 4.36 | $133 |
*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 Pittsburgh Homeowners Insurance
Erie
Best for Pittsburgh Homeowners
MoneyGeek Rating
4.9/ 5
5/5Affordability
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
$95Based 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
4.9/5Affordability
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
$100Based 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
$98Based 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 Pittsburgh Home Insurance Cost?
Pittsburgh homeowners pay $135 monthly for home insurance that includes $250,000 in dwelling coverage, $125,000 in personal property protection and $200,000 in liability limits, compared to Pennsylvania's average of $183 per month. Your premium varies based on your home's age, construction materials, flood zone proximity and deductible amount.
Pittsburgh's geography drives up insurance costs through flood risk from nearby rivers and historical flooding events, plus winter weather hazards like heavy snowfall and ice that can damage roofs and pipes. These regional risks mean insurers charge higher premiums due to increased chances of weather-related claims.
| $100K Dwelling / $50K Personal Property / $100K Liability | $83 | $991 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $135 | $1,616 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $214 | $2,569 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $294 | $3,532 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $382 | $4,582 |
Who Has the Cheapest Home Insurance in Pittsburgh?
Allstate offers the lowest home insurance rates in Pittsburgh at $86 monthly, which saves homeowners 36% compared to the city's $135 average. Erie ranks second for affordability at $95 per month, providing a 30% discount from Pittsburgh premiums while keeping strong coverage and local agent support.
| Allstate | $86 | -36% |
| Erie | $95 | -29% |
| Chubb | $98 | -27% |
| State Farm | $100 | -26% |
| USAA | $100 | -26% |
COMPARE COVERAGE, NOT JUST COST
Pittsburgh homeowners should look at premiums alongside coverage limits, deductibles and customer satisfaction ratings. The cheapest rates don't always provide the best value, so you'll want adequate coverage. Check out our best homeowners insurance companies in Pennsylvania review to find top providers in the state.
How to Get the Best Cheap Home Insurance in Pittsburgh
Pittsburgh homeowners need to balance affordable premiums with coverage that protects against the city's unique risks.
Compare quotes from multiple insurers
Request quotes from at least three companies since rates change, with average premiums ranging from $95 to $133 per month among insurance companies.
Bundle home and auto policies
Most Pittsburgh 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 Pittsburgh: Bottom Line
Pittsburgh's home insurance costs average $135 monthly, and rates range from $86 to $133 among insurers, depending on coverage needs. Erie leads our rankings with a 4.9/5 MoneyGeek score at $95 monthly, earning that position through a 4.8/5 customer experience sub-score and a 4.9/5 coverage sub-score. Allstate offers the cheapest home insurance rates in Pittsburgh at $86 monthly, 36% below the city average.
Pittsburgh Home Insurance: FAQ
Pittsburgh homeowners frequently ask about what coverage they need and how to lower their premiums.
Does home insurance cover wind damage in Pittsburgh?
Standard home insurance policies cover wind damage to your roof, siding, windows and other structures, 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. Pittsburgh residents in flood-prone areas need separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Pittsburgh?
Pennsylvania doesn't legally require home insurance, but mortgage lenders require coverage until you've paid off your loan. Even without a mortgage, homeowners should keep insurance to protect against financial losses from flooding from heavy rainfall, winter storms and snow damage common in the Pittsburgh area.
What discounts are available for Pittsburgh homeowners?
Available discounts for Pittsburgh homeowners include bundling home and auto policies for 10% to 25% off, installing security systems (5% to 15% savings), upgrading to fire-resistant roofing materials (up to 20% discount) and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Pittsburgh
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 Pittsburgh 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.