Average homeowners insurance cost in Pennsylvania

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The average cost of home insurance in Pennsylvania is $1,513 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Allstate stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $1,513 a year, based on our data.
Of all the ZIP codes in Pennsylvania, 17268 has the most affordable home insurance rates at around $1,279 annually.
In Pennsylvania, Allstate provides the most affordable home insurance at an average annual premium of $1,201.

What is the average cost of homeowners insurance in Pennsylvania?

Homeowners in Pennsylvania pay an average of $1,513 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Pennsylvania? Cost by coverage level

Homeowners insurance in Pennsylvania costs $1,513 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,853 per year for homeowners insurance in Pennsylvania for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Pennsylvania for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,150	$96
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,164	$97
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,513	$126
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,529	$127
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,853	$154
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,872	$156
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,569	$214
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,591	$216
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$3,691	$308
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$3,723	$310

Average home insurance cost in Pennsylvania by insurer

Allstate has the lowest average homeowners insurance premiums in Pennsylvania at $1,201 per year. Travelers and Erie Insurance also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Pennsylvania, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,201	$100
Travelers	$1,390	$116
Erie Insurance	$1,509	$126
State Farm	$1,571	$131
Nationwide	$1,716	$143
Farmers	$1,730	$144
USAA*	$1,437	$120

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Pennsylvania.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Pennsylvania?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Pennsylvania.

Most affordable ZIP codes for home insurance rates in Pennsylvania

The most affordable rates are in 17268, where homeowners pay $1,279 per year on average.

Not every area in Pennsylvania has the same home insurance cost. How much you pay for homeowners insurance in Pennsylvania depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Pennsylvania.

ZIP code	Average annual rate	Average monthly rate
17268	$1,279	$107
15214	$1,282	$107
17331	$1,283	$107
17257	$1,287	$107
15243	$1,288	$107
17814	$1,290	$107
17350	$1,296	$108
17403	$1,297	$108
17340	$1,298	$108
17084	$1,299	$108

Most expensive ZIP codes for home insurance rates in Pennsylvania

19125 has the highest rates in Pennsylvania at an average of $2,258 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Pennsylvania for home insurance:

ZIP code	Average annual rate	Average monthly rate
19125	$2,258	$188
19132	$2,248	$187
19144	$2,238	$186
19122	$2,232	$186
19150	$2,225	$185
19148	$2,224	$185
19146	$2,220	$185
19139	$2,214	$184
19143	$2,208	$184
19112	$2,202	$184

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Pennsylvania by city

See rates in your city

How have home insurance rates changed in Pennsylvania?

Home insurance rates in Pennsylvania decrease by 2% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$1,478	$1,542	$1,513

What are the best homeowners insurance companies in Pennsylvania?

Based on our data, Travelers stands out as a top choice in Pennsylvania. It earns an AM Best rating of A++ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Pennsylvania by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$1,390	A++	0.91	4.87
Allstate	$1,201	A+	1.26	4.78
State Farm	$1,571	A+	1.15	4.74
Erie Insurance	$1,509	A	0.46	4.68
Farmers	$1,730	A	0.89	4.63
Nationwide	$1,716	A	1.34	4.61
USAA*	$1,437	A++	0.46	4.89

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.