Allstate offers the cheapest home insurance for most Pennsylvania homeowners, with average monthly savings of $412. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Pennsylvania
Updated: October 27, 2025
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Key Takeaways
Allstate, Erie, Nationwide and Allstate offer the lowest-cost home insurance in Pennsylvania overall, with potential savings of up to 91%.
Erie offers the cheapest homeowners insurance in Pennsylvania if you own a new home or have bad credit.
Allstate offers the most affordable home coverage for those in high-risk fire areas in Pennsylvania.
What is the Cheapest Home Insurance in Pennsylvania?
| Allstate | $87 | $1,042 | 45% |
| State Farm | $104 | $1,253 | 33% |
| Erie | $110 | $1,315 | 30% |
| Nationwide | $114 | $1,371 | 27% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies offer the lowest rates in Pennsylvania, evaluating their customer service reputation and coverage options is important. We've created a separate guide to the best home insurance companies in Pennsylvania for a more comprehensive overview.
Cheapest Pennsylvania Home Insurance Rates by Category
While we've listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Allstate offers the cheapest rates overall, Erie provides better rates for newer homes. We've outlined the cheapest companies on average for common categories below.
| Allstate | Older Homes | $87 |
| Erie | Newer Homes | $50 |
| Allstate | Homes in High Risk Fire Areas | $98 |
| Nationwide | Bad Credit | $114 |
*Rates are modified based on our methodology's base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with class 8 fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Pennsylvania Home Insurance
The companies listed above offer the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Claim free for 5+ years
Good
Older Homes
| Allstate | $93 | $1,111 |
| State Farm | $104 | $1,253 |
| Erie | $110 | $1,315 |
| Nationwide | $119 | $1,423 |
| Farmers | $141 | $1,693 |
Cheapest Pennsylvania Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. Allstate offers the cheapest rates in cities like Allentown, Philadelphia and Pittsburgh, while Nationwide provides lower rates in Lancaster.
| Allentown | Allstate | $90 |
| Lancaster | Nationwide | $76 |
| Philadelphia | Allstate | $127 |
| Pittsburgh | Allstate | $84 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Pennsylvania Home Insurance for You
Finding affordable home insurance in Pennsylvania takes effort, but you can lower your costs with the right approach. Below are our core recommendations to help you maximize savings on your policy.
- 1Determine your coverage needs
It’s easy to buy more coverage than you actually need if you don’t set limits ahead of time. Determine your home insurance coverage needs first to avoid paying for extra protection. Learning about the different types of home protection available can also help you make sure you’re fully covered.
- 2Research home insurance cost information
Look up home insurance costs in Pennsylvania to establish realistic budget expectations. Always ask about available discounts because insurers rarely volunteer these cost-saving options.
- 4Compare multiple companies apples to apples
Compare quotes for the same coverage to ensure you're getting a good deal. Gather as many quotes as possible using different methods to find the best rate.
Cheap Home Insurance Pennsylvania: Bottom Line
Allstate, State Farm and Erie offer Pennsylvania's most budget-friendly home insurance, with monthly rates as low as $87. Denied coverage? Contact the TFPA for an affordable policy. Always compare insurers, study costs and understand your coverage needs before choosing.
Cheapest Home Insurance Pennsylvania: FAQ
We’ve answered some common questions about the cheapest home insurance in Pennsylvania below.
What is the cheapest home insurance company in Pennsylvania?
Erie offers the lowest rates for newer homes in Pennsylvania at $50 per month or $606 per year. Homeowners with older properties or higher fire protection needs may find better rates with Allstate or Nationwide.
How expensive is home insurance in Pennsylvania?
Pennsylvania has the 20th-highest home insurance rates in the U.S.
How much is home insurance in Pennsylvania?
You should secure enough home insurance to cover the full replacement cost of your home, your belongings' value, and specific local risk factors.
While not a legal necessity without a mortgage, home insurance is often required by lenders to protect against total loss. Additional coverage should align with personal property value, local hazards, and special items deemed irreplaceable.
How much home insurance do I need?
You should secure enough home insurance to cover the full replacement cost of your home, your belongings' value, and specific local risk factors.
While not a legal necessity without a mortgage, home insurance is often required by lenders to protect against total loss. Additional coverage should align with personal property value, local hazards, and special items deemed irreplaceable.
How We Found the Cheapest Home Insurance Companies in Pennsylvania
To identify the most affordable home insurance options in Pennsylvania, we used the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
We then adjusted other combinations based on this profile to get more accurate comparisons for different situations. These figures serve as estimates, so it’s best to compare quotes from several providers to find the best rate for your needs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.