Cheapest Home Insurance in Pennsylvania (2026)

Allstate offers Pennsylvania's cheapest home insurance at $1,263 a year, beating even USAA's military-only rate by $50.

Get affordable home insurance quotes below.

Updated: October 2, 2026

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Key Takeaways: Affordable Pennsylvania Home Insurers

Allstate is the cheapest home insurance company for Pennsylvania homeowners at $1,263/year. That's $150 less than State Farm, the next-cheapest option, at $1,413/year.

At 1.49% of median household income, Pennsylvania's home insurance costs come in lighter than most states' burden, landing the state 37th-highest nationally, per Insurance Research Council data.

More than 1 million Pennsylvania homes sit above abandoned coal or clay mines, a risk standard homeowners insurance doesn't cover. The state runs its own Mine Subsidence Insurance program to fill that gap, for as little as $1 per $1,000 of coverage.

Top 5 Cheapest Home Insurance Companies

Allstate offers the cheapest homeowners insurance available to any Pennsylvania homeowner at $1,263 per year, well below Pennsylvania's $2,195 state average. State Farm comes closest at $1,413, but it's actually the cheaper pick for lower coverage levels, where it narrowly beats Allstate. Chubb ($1,602), Erie ($1,718) and Farmers ($1,885) round out the five cheapest companies, all still pricing below the state average.

Price alone doesn't tell the full story: Erie costs $455 more than Allstate annually, but it also holds the best customer satisfaction score of any carrier in this comparison at 678 out of 1,000 in J.D. Power's 2026 study, trailing only Amica nationally. For Pennsylvania homeowners who want a hometown carrier with a top-tier service record, that premium may be worth paying.


Allstate	$105	$1,263
State Farm	$118	$1,413	+$150
Chubb	$134	$1,602	+$339
Erie	$143	$1,718	+$455
Farmers	$157	$1,885	+$622

*These rates are based on a house built in 2000 with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. We assumed good credit and no claims in the past five years.

COMPARE HOME INSURANCE COMPANIES BEYOND PRICE

Price matters when choosing home insurance, but customer service and coverage options affect your claims experience. Our separate guide to the best home insurance companies in Pennsylvania compares insurers across multiple factors beyond cost.

Pennsylvania's Cheapest Providers at a Glance

Allstate

Cheapest Insurer in Pennsylvania

Allstate is the cheapest Pennsylvania home insurance company at $1,263 a year, and it holds that pricing lead at every coverage level except $100,000 in dwelling coverage, as well as in every city in our comparison.

It's also worth a look for its Water Backup coverage, an add-on that pays for damage from a backed-up drain or a failed sump pump, which standard homeowners policies exclude. That's an important gap to fill in a state where Pennsylvania's former governor has noted that 96% of flooding in the state occurs outside mapped floodplains, and plenty of that water ends up in basements rather than living rooms.

State Farm

State Farm is the cheapest carrier for policies with lower dwelling coverage limits, narrowly beating Allstate, and it's also the cheapest option for homeowners with below-fair or poor credit. But even where Allstate is cheaper, State Farm's slightly higher premium buys better service: it scored 665 out of 1,000 in J.D. Power's 2026 U.S. Home Insurance Study, versus Allstate's 638, a real gap in how smoothly each company's customers say claims actually get handled.

Chubb

Chubb isn't the cheapest carrier anywhere in this comparison, but it's rarely far off: its $1,602 overall rate is third-lowest and still well under Pennsylvania's $2,195 state average, and it's essentially tied with Farmers for the cheapest excellent-credit rate in our data (both land around $530). Its biggest draw is service: Chubb scored 676 out of 1,000 in J.D. Power's 2026 U.S. Home Insurance Study, ranking third overall and scoring only two points behind Erie. For Pennsylvania homeowners comparing top-rated carriers that are also affordable, Chubb belongs on that short list alongside Erie.

Erie

Erie, headquartered in Erie, Pennsylvania, isn't the absolute cheapest option anywhere in this comparison, but it backs its price with a strong reputation: it ranked 2nd nationally among nearly 30 insurers in J.D. Power's 2026 U.S. Home Insurance Study at 678 out of 1,000, trailing only Amica. For Pennsylvania homeowners willing to pay a bit more for a hometown carrier with a top-tier service record, Erie is worth a quote.

A NOTE FOR MILITARY FAMILIES

In most states USAA is the cheapest option, but not Pennsylvania: USAA averages $1,313 a year, which is $50 more than Allstate, the cheapest carrier open to any Pennsylvania homeowner. USAA is restricted to military members, veterans and their immediate families, but those who qualify shouldn't assume it's automatically the better deal here. It's worth quoting Allstate alongside USAA before deciding.

Cheapest Pennsylvania Home Insurance Rates by Coverage Level

State Farm's $762 edges out Allstate's $853 for a policy with $100,000 in dwelling coverage, but that's the only place it wins on price. From $250,000 up, Allstate takes over, and its lead keeps widening as coverage grows, from roughly $150 at the smaller end of that range to well over $1,300 at $1,000,000 in coverage.

For a smaller home, compare State Farm against Allstate directly, since the usual order flips. For anything larger, Allstate is the one to beat on price, but it's smart to keep State Farm in the running: it backs its policies with one of the largest local-agent networks of any carrier and earned a stronger J.D. Power score than Allstate in our research (665 versus 638).


$100K Dwelling / $50K PP / $100K Liability	State Farm	$762	Erie	$853
$250K Dwelling / $125K PP / $200K Liability	Allstate	$1,263	State Farm	$1,413
$500K Dwelling / $250K PP / $300K Liability	Allstate	$1,691	State Farm	$2,297
$750K Dwelling / $375K PP / $500K Liability	Allstate	$2,160	State Farm	$3,165
$1MM Dwelling / $500K PP / $1MM Liability	Allstate	$2,695	State Farm	$4,024

Cheapest Pennsylvania Home Insurance by City

Allstate is cheapest in every Pennsylvania city in our comparison, but Philadelphia stands out: its cheapest rate, $1,511 with Allstate, runs well above every other city (all clustered near $1,000 to $1,100), which tracks with the city's high level of flood exposure.

A First Street Foundation analysis found Pennsylvania trails only Florida for potential flood-damage costs statewide, and Philadelphia is one of three metro areas in the state the study flagged as facing significant losses. Hurricane Ida's remnants made that risk concrete: the storm caused over $1.2 billion in recovery costs and damaged more than 11,000 residences in the city in September 2021.


Allentown	Allstate	$1,107
Harrisburg	Allstate	$1,016
Lancaster	Allstate	$1,008
Philadelphia	Allstate	$1,511
Pittsburgh	Allstate	$1,033
Slickville	Allstate	$1,077

EXPLORE THE BEST CHEAP HOME INSURANCE IN PENNSYLVANIA CITIES

Cheapest Home Insurance Companies in Pennsylvania by Credit Score

Pennsylvania currently allows insurers to price homeowners policies using credit information, and the effect here is unusually large: a 2025 Consumer Federation of America and Climate and Community Institute report found Pennsylvania homeowners with low credit pay a 181% penalty, the largest of any state studied. Our own data backs that up at the state level: the average Pennsylvania premium roughly doubles between good credit ($2,195/year) and poor credit ($4,437/year) for the same $250,000 coverage.

No single carrier wins every tier: Farmers and Chubb are essentially tied at excellent credit (both around $530), Allstate leads at good credit, and State Farm takes over at below-fair and poor credit. A bill in the state legislature, HB 657, would ban the practice outright, but it hasn't passed yet.


Excellent	Farmers	$530
Good	Allstate	$1,263
Below Fair	State Farm	$1,717
Poor	State Farm	$2,374

How to Save on Pennsylvania Home Insurance

Finding affordable home insurance in Pennsylvania takes effort, but you can lower your costs.

1
Determine Your Coverage Needs
Decide on your coverage limits before shopping to avoid buying more than you need. Understand dwelling coverage, personal property limits and liability protection to get adequate coverage without overpaying.
2
Shop Around and Compare Quotes
Compare quotes from at least three insurers for identical coverage levels. Pennsylvania home insurance rates vary by hundreds of dollars annually between companies, even for the same home and profile. Gather quotes online, through agents and directly from insurers to find your best rate.
3
Bundle Your Policies
Save 10% to 25% by bundling your home insurance with auto coverage through providers like State Farm, Allstate and Nationwide. Most major Pennsylvania insurers offer multi-policy discounts that reduce both premiums.
4
Ask About All Available Discounts
Ask agents about every discount you qualify for, as insurers won't apply them automatically. Common Pennsylvania discounts include protective device discounts for monitored alarm systems (5% to 20% savings), claims-free discounts and new home discounts. Wind and hail-resistant roofing can lower your premium.
5
Improve Your Credit Score
Pennsylvania currently allows credit-based pricing, and it's a big factor here: raising your score even one tier can be worth hundreds of dollars a year.
6
Raise Your Deductible
Going from $500 to $1,000 saves $160/year (6.8%), $1,000 to $1,500 saves another $113 (5.1%), and $1,500 to $2,000 saves just $103 more (4.9%). Each step still helps, but the biggest jump comes early. Make sure you can afford to pay your chosen deductible out of pocket if the need arises.

IF YOU'RE DECLINED HOMEOWNERS COVERAGE

The Pennsylvania FAIR Plan covers homeowners declined by standard insurers. Separately, if your home sits above a former coal or clay mine, standard policies won't cover subsidence damage at all: the state runs its own Mine Subsidence Insurance program through the Department of Environmental Protection, which has paid out over $47 million in claims since 1961 and covers up to $1,000,000 for roughly $1 or less per $1,000 of coverage.

Cheap Home Insurance in Pennsylvania: Bottom Line

Allstate leads Pennsylvania for affordable home insurance at $1,263 annually, but your best rate depends on your home's value, location and personal profile. Compare quotes from at least three insurers to find the best cost and coverage for your needs. Start with the companies on our list and ask about available discounts to maximize your savings.

Cheapest Home Insurance in Pennsylvania: FAQ

Get answers to common questions about affordable home insurance in Pennsylvania.

Older homes cost more to insure due to outdated electrical, plumbing and roofing systems. Lower your premium by updating these systems and providing documentation to your insurer. Replacing knob-and-tube wiring, updating your roof and installing a modern HVAC system can reduce your rates. Some insurers offer renovation discounts when you complete major updates.

More than in almost any other state. A 2025 Consumer Federation of America and Climate and Community Institute report found Pennsylvania homeowners with low credit pay an average penalty of 181%, the largest of any state in the study. Our cost data shows a similar pattern: the statewide average roughly doubles between good credit ($2,195/year) and poor credit ($4,437/year) for identical coverage. A bill, HB 657, would ban the practice in Pennsylvania, but it hasn't passed as of this writing.

No state law mandates flood insurance, but former Governor Tom Wolf has pointed out that 96% of the state's flooding has occurred outside officially mapped floodplains, which undercuts the common assumption that an unmapped address is a safe one. Lenders do require coverage on federally backed mortgages for homes inside a FEMA Special Flood Hazard Area, but that rule only captures a slice of the exposure.

No, and this matters more in Pennsylvania than almost anywhere else: more than 1 million Pennsylvania homes sit above abandoned coal or clay mines, and standard homeowners policies exclude subsidence damage entirely. The state fills that gap with its own Mine Subsidence Insurance program through the Department of Environmental Protection, offering $5,000 to $1,000,000 in coverage for roughly $1 or less per $1,000 insured. If you're not sure whether your property sits over a mapped mine, the DEP can check for you before you decide whether to buy coverage.

How We Found the Cheapest Home Insurance Companies in Pennsylvania

MoneyGeek analyzed Pennsylvania rates to identify which companies offer the lowest premiums for homeowners across the state.

We gathered quotes from major insurers through Quadrant Information Services for a standard Pennsylvania home profile. The data shows which companies price competitively for typical homeowners.

Sample Home Profile

We gathered quotes using these specifications to represent a common Pennsylvania homeowner:

$250,000 dwelling coverage
$125,000 personal property coverage
$200,000 liability coverage
Home built in 2000
$1,000 deductible
No claims in the past 5+ years

This profile reflects a moderately valued home with a clean claims history. Newer homes (built after 1990) get better rates than older properties with outdated electrical and plumbing systems. The $1,000 deductible balances affordable premiums with reasonable out-of-pocket costs when filing claims.

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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Sources

CBS News. "In Wake Of Hurricane Ida, Emergency Officials Urge Pennsylvania Homeowners To Get Flood Insurance." Accessed October 11, 2026.
Consumer Federation of America. "Penalized." Accessed October 11, 2026.
The Philadelphia Inquirer. "• The Philadelphia Inquirer, "Hurricane Ida damaged 11,000 Philly homes, with 500 suffering major damage, says new city report." Accessed October 11, 2026.
City & State Pennsylvania. "Pennsylvania could be the second-most flooded state in 2022 behind Florida, new study shows." Accessed October 11, 2026.
Pennsylvania General Assembly. "House Bill 657." Accessed October 11, 2026.
Department of Environmental Protection. "Mine Subsidence Insurance." Accessed October 11, 2026.