Home insurance in Pennsylvania costs about $157 monthly or $1,880 annually on average. Homeowners in this state pay $63 less per month, or $755 less annually, than the national average.
Average Home Insurance Cost in Pennsylvania
Updated: May 30, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Pennsylvania range from $1,590 per year to well over $17,531, depending on your financial history, home details, coverage chosen and provider.
Pennsylvania's home insurance premiums are the 25th most affordable in the country.
To save on home insurance costs in the state, find what coverage you need beforehand, research costs and 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
Depending on your city, various risk factors, such as weather-related factors and home valuations, change, affecting home insurance costs. For example, the average monthly home insurance cost in Allentown is around $141. This is much higher at $246 in Philadelphia.
| 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 is expensive in Pennsylvania mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
More insurance claims mean higher costs for insurers, which often leads to higher premiums for homeowners. Frequent claims can indicate a greater risk of future payouts.
High Weather Risks
Areas with high risk of natural disasters like hurricanes or wildfires may see steeper home insurance costs due to the likelihood of expensive damage claims.
Rising Material and Labor Costs
As the price of building materials and labor goes up, so does the cost to repair or rebuild homes. Insurers may raise premiums to cover these increased expenses.
State Insurance Laws
State-specific regulations can impact insurance costs. Mandates on coverage options or how rates are set can lead to higher prices for home insurance policies.
What Affects Pennsylvania Home Insurance Costs?
Like in most places, home insurance pricing is influenced by several factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll explore how each factor impacts costs specifically in Pennsylvania.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Pennsylvania, with rates varying by up to 70%. Weather risks, home value, and population density in your area play a major role in determining costs.
| Lowest | Pennsylvania State Remnant Tier Aggregate | $122 | $1,463 |
| Highest | Philadelphia | $262 | $3,141 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Pennsylvania home insurance rates, averaging from $909 to $6,031 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| 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?
Home details like age, construction materials and roof type are the third most influential factor in Pennsylvania homeowners insurance rates, averaging from $74 to $156 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| 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?
Your choice of insurer is the fourth most influential factor in Pennsylvania home insurance rates, with prices 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?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 93%, with annual average 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 more claims will increase your perceived risk for insurers, which can increase premiums, although in Pennsylvania, claims history has a smaller impact on cost than other factors. We found that depending on your claims history, rates can be affected by up to 13% or $615 annually.
| 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
With high home insurance costs in Pennsylvania, saving on premiums is crucial. Whether you're buying a new home or cutting expenses, finding affordable options is key. Below are tips to help you secure the best and cheapest home insurance in Pennsylvania tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Learn more about determining how much home insurance you need by visiting MoneyGeek here and explore standard coverage options here.
- 2
Research Costs and Discounts Beforehand
First, understand the average costs for you and your home to ensure you're getting a favorable deal. Furthermore, always inquire about available home insurance discounts, as insurers may apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
To find the best coverage use online comparison sites, brokers, provider websites, and agents.
- 4
Consider Bundling Policies
Bundling policies often leads to substantial savings. For example, when combining home and auto insurance, you can save up to xx% on home insurance and $xx on both policies yearly. Learn more about combining home and auto insurance in your state
- 5
Reduce Your Personal Risk Profile
To secure cheaper premiums, think about making home improvements like adding storm shutters or home security systems. Additionally, boosting your credit score can significantly lower premiums—transitioning from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Explore state programs that might offer affordable coverage if you're denied standard home insurance. For instance, Pennsylvania provides the TFPA policy for those denied traditional coverage, ensuring you meet mortgage requirements, though coverage amounts may be lower than conventional 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 provides answers below to help you estimate your expenses for home insurance.
How much does homeowners insurance cost in Pennsylvania?
Pennsylvania's average monthly home insurance cost is $157 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Pennsylvania Home Insurance Estimates
When determining the average cost of home insurance in Pennsylvania, we used a base profile for a simple estimate consistent with the following:
- $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
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.