Allstate is the cheapest home insurance option for most homeowners in Pennsylvania, with an average monthly savings of $412. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Pennsylvania
Updated: May 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 may offer the lowest rates in Pennsylvania, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Pennsylvania, providing 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 is typically the cheapest overall, Erie offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| 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 8-class 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 typically provide 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:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age: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. For instance, while Allstate is the cheapest in cities like Allentown, Philadelphia, and Pittsburgh, Nationwide offers lower rates in Lancaster. Understanding these differences can help you find the best deal.
| 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 can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Look up home insurance costs in Pennsylvania to establish realistic budget expectations. Always ask about available discounts for your situation because insurers rarely volunteer these cost-saving options.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, 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? Turn to the TFPA for an affordable policy. Always compare different insurers, study costs, and understand your coverage needs before choosing.
Cheapest Home Insurance Pennsylvania: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in Pennsylvania.
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. However, 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 determine the cheapest home insurance companies in Pennsylvania, we assumed 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
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.