Home insurance in Pennsylvania costs about $157 monthly or $1,880 annually on average. Pennsylvania homeowners pay $63 less per month, or $755 less annually, than the national average.
Average Home Insurance Cost in Pennsylvania
Updated: October 22, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Oct 24, 2025
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Key Takeaways
Home insurance costs in Pennsylvania range from $1,590 per year to more than $17,531, depending on your financial history, home details, coverage chosen and provider.
Pennsylvania's home insurance premiums rank 25th most affordable in the country.
To save on home insurance costs in the state, start by identifying the coverage you need. Then, compare rates and available discounts to find the best home insurance in Pennsylvania.
How Much Is Home Insurance in Pennsylvania?
| Pennsylvania Average | $157 | $1,880 | -29% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Your city affects home insurance costs through risk factors like weather patterns and home valuations. The average monthly home insurance cost in Allentown is around $141, much lower than Philadelphia's $246.
| Allentown | $141 | $1,689 |
| Lancaster | $125 | $1,494 |
| Philadelphia | $246 | $2,948 |
| Pittsburgh | $134 | $1,604 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Pennsylvania?
Home insurance tends to be more expensive in Pennsylvania due to several factors, including a rise in claims, frequent severe weather events, higher material and labor costs, and state-specific insurance regulations.
Rising Claims
When insurers receive more claims, their overall costs increase, which often results in higher premiums for homeowners. A pattern of frequent claims can also signal greater risk, pushing rates even higher.
High Weather Risks
Pennsylvania haves risks from severe storms and other natural disasters, which can cause costly property damage. Homes in areas prone to these events typically have higher insurance costs.
Rising Material and Labor Costs
As building materials and labor become more expensive, the cost to repair or rebuild homes rises too. Insurers adjust premiums to keep pace with these increased expenses.
State Insurance Laws
State regulations influence how insurance rates are set and what coverage must be included. Certain mandates or pricing rules can contribute to higher home insurance costs across Pennsylvania.
What Affects Pennsylvania Home Insurance Costs?
As in most states, several factors influence the cost of home insurance in Pennsylvania:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Each of these elements can affect how much you pay for coverage. Here’s how they impact home insurance rates in Pennsylvania.
How Much Does Location Affect Home Insurance Costs?
Where you live in Pennsylvania has the greatest impact on your home insurance costs. Rates can differ by as much as 70% across the state, depending on local weather risks, home values, and population density.
| Lowest | Pennsylvania State Remnant Tier Aggregate | $122 | $1,463 |
| Highest | Philadelphia | $262 | $3,141 |
How Much Does Coverage Affect Home Insurance Costs?
Your coverage selections are the second biggest factor affecting home insurance costs in Pennsylvania. Annual premiums range from about $909 to $6,031, depending on how much protection you choose. Higher coverage limits and lower deductibles increase your premiums, while less coverage and higher deductibles reduce them.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $76 | $909 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $503 | $6,031 |
How Much Do Home Details Affect Home Insurance Costs?
Your home’s age, construction materials, and roof type are the third major factors affecting homeowners insurance costs in Pennsylvania. Monthly premiums range from about $74 to $156. Insurers consider these details to estimate how much it would cost to repair or rebuild your home and how likely it is to be damaged.
| Lowest | New | Superior | Tile | $74 | $892 |
| Highest | Old | Frame | Shake-Treated | $156 | $1,874 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
The insurer you choose ranks fourth in affecting Pennsylvania home insurance costs, with rates ranging from 42% below to 175% above the state average.
| Lowest | Allstate | $87 | $1,042 |
| Highest | Travelers | $413 | $4,957 |
How Much Does Credit Affect Home Insurance Costs?
Insurers see higher credit scores as a sign of reliability, leading to lower home insurance costs. Premiums can differ by as much as 93%, with annual rates ranging from $1,054 to $6,204.
| Lowest | Excellent | $88 | $1,054 |
| Highest | Poor | $517 | $6,204 |
How Much Does Claims History Affect Home Insurance Costs?
Filing multiple claims can raise concerns for insurers and lead to higher premiums. In Pennsylvania, claims history has a smaller impact than other factors, but it can still change your rates by up to 13%, or about $615 per year.
| Lowest | Claim free for 5+ years | $150 | $1,801 |
| Highest | 2 claims in past 5 years | $201 | $2,415 |
Tips to Save on Pennsylvania Home Insurance
Home insurance costs in Pennsylvania can add up quickly. Whether you’re purchasing a new home or trying to reduce expenses, these strategies can help you find the best and ccheapest home insurance in Pennsylvania for your situation.
- 1Find How Much Coverage You Need Beforehand
Identify your coverage needs before you start comparing quotes. This helps you narrow your search and avoid paying for coverage you don’t need. Beyond standard protection, consider add-ons for valuable possessions. Learn more about determining coverage needs here and explore standard coverage options here.
- 2Research Costs and Discounts Beforehand
Review the average costs for your area so you can recognize a fair deal. Ask about available home insurance discounts. Many insurers don’t automatically apply them unless you request them.
- 3Compare Multiple Providers Through Different Avenues
Get quotes from several sources, such as online comparison sites, brokers, and insurance company websites, to find the best combination of price and coverage.
- 4Consider Bundling Policies
Bundling home and auto insurance can help lower your premiums. Combining both policies may save you a percentage on home insurance and additional annual savings overall. Learn more about combining home and auto insurance in your state.
- 5Reduce Your Personal Risk Profile
Simple upgrades, like adding storm shutters or installing a security system, can reduce your premium. Improving your credit score also helps—moving from fair to good credit can save you around 28% on average.
- 6See if You Are Eligible for State Programs
If you’ve been denied standard coverage, check state assistance programs. Pennsylvania’s TFPA policy offers basic protection for homeowners who can’t qualify for traditional insurance. While it helps meet mortgage requirements, coverage limits are lower than typical policies.
Pennsylvania Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly by location and coverage level. Find affordable rates easily: check your needs, compare average costs and use our estimate tool for the best deal.
Homeowners Calculator Insurance Pennsylvania: FAQ
MoneyGeek answers common questions to help you estimate your home insurance expenses in Pennsylvania.
How much does homeowners insurance cost in Pennsylvania?
The average monthly cost of homeowners insurance in Pennsylvania is about $157 for a dwelling coverage of $250,000. Your actual rate will vary depending on factors like your credit score, liability limits, property coverage, and deductible.
How do I know how much dwelling coverage to get?
To estimate your dwelling coverage, calculate how much it would cost to rebuild your home after a total loss. An appraiser can help determine this amount. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the right coverage limit for your home.
What factors affect home insurance costs the most?
The biggest influences on home insurance costs are your location, the coverage level you choose, and your provider. Your credit score and specific home details also play an important role in determining your final rate.
How We Determined Our Pennsylvania Home Insurance Estimates
When calculating the average cost of home insurance in Pennsylvania, we used a standard base profile to create a consistent estimate. The profile includes:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
Actual rates can vary significantly based on factors such as your coverage limits, chosen provider, home’s age and construction, credit score, and claims history. Unless otherwise noted, all examples in this article assume the home was built in 2000.
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.