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: November 5, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Nov 12, 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 costs more in Pennsylvania because of increased claims, severe weather events, higher material and labor costs and state 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?
Your home insurance costs in Pennsylvania depend on:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
These factors affect what you pay for coverage. The sections below explain their impact on home insurance rates in Pennsylvania.
How Much Does Location Affect Home Insurance Costs?
Your location affects your home insurance costs more than any other factor. Rates vary by up to 70% across Pennsylvania based 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?
The type and amount of coverage you choose is the second biggest factor that affects home insurance costs in Pennsylvania. Annual premiums usually range from about $909 to $6,031, depending on your coverage level.
Higher limits and lower deductibles raise your costs, while lower limits and higher deductibles help bring them down.
| 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, building materials and roof type are the third biggest factors that influence home insurance costs in Pennsylvania. Monthly premiums average between $74 and $156. Insurers look at these details to know the potential cost of repairs or rebuilding and to assess the risk of damage.
| 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 company you choose is the fourth biggest factor influencing home insurance costs in Pennsylvania. Rates can range 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 tend to offer lower home insurance rates to people with higher credit scores, seeing them as more financially reliable. In Pennsylvania, premiums vary widely, from about $1,054 to $6,204 per year, a difference of up to 93%.
| Lowest | Excellent | $88 | $1,054 |
| Highest | Poor | $517 | $6,204 |
How Much Does Claims History Affect Home Insurance Costs?
Having multiple past claims can make insurers view you as a higher risk. This means you could end up paying higher premiums. Claims history has less impact in Pennsylvania than other factors, yet 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 fast. Whether you’re buying a new home or looking to cut expenses, these tips can help you find the best and cheapest home insurance in Pennsylvania for your needs.
- 1Find How Much Coverage You Need Beforehand
Figure out your coverage needs before comparing quotes. That way, you can focus on plans that fit your situation and skip paying for coverage you don’t need.
You can also look into add-ons for valuable items. If you’re unsure where to start, learn more about coverage needs here and explore standard coverage options here.
- 2Research Costs and Discounts Beforehand
Review average costs in your area so you know what’s reasonable. Don’t forget to ask about available home insurance discounts. Many companies won’t apply them unless you request them.
- 3Compare Multiple Providers Through Different Avenues
Get quotes from multiple sources like online comparison tools, brokers and company websites. Comparing different options helps you find the right mix of coverage and price.
- 4Consider Bundling Policies
Bundling your home and auto insurance can help you save on premiums. Combining both policies often lowers your home insurance costs and adds extra yearly savings. Learn more about combining home and auto insurance in your state.
- 5Reduce Your Personal Risk Profile
Small home upgrades, like adding storm shutters or installing a security system, help lower your premium. A higher credit score also leads to savings, with the jump from fair to good credit cutting costs by about 28% on average.
- 6See if You Are Eligible for State Programs
If you’ve been denied standard coverage, look into state programs that can help. Pennsylvania’s TFPA policy provides basic protection for homeowners who don’t qualify for traditional insurance. It meets mortgage requirements, but coverage limits are lower than most standard 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.