Average homeowners insurance cost in Pennsylvania

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, Pennsylvania homeowners insurance costs $1,886 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Pennsylvania.

Key Takeaways

Homeowners insurance costs an average of $1,886 a year, based on Insure.com analysis.
Of all the ZIP codes in Pennsylvania, 15101 has the most affordable home insurance rates at around $1,550 annually.
In Pennsylvania, Allstate provides the most affordable home insurance at an average annual premium of $1,160.

Average home insurance cost in Pennsylvania by coverage level

In Pennsylvania, the annual homeowners insurance cost is $1,886, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.

Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,286 in Pennsylvania, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Pennsylvania based on dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,455	$121
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,475	$123
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,886	$157
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,911	$159
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,286	$191
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,316	$193
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,162	$263
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,200	$267
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,910	$409
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,966	$414

In Pennsylvania, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.

If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Pennsylvania

It’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Pennsylvania using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Pennsylvania. Based on the analysis, Farmers received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Farmers	$2,024	A	0.54	5
Allstate	$1,160	A+	0.9	4.2
Nationwide	$1,554	A+	0.87	4.17
Travelers	$5,176	A++	0.54	4.13
State Farm	$1,409	A++	0.95	4.04

Average homeowners insurance cost by company in Pennsylvania

Allstate provides the most affordable homeowners insurance in Pennsylvania, with an average annual premium of $1,160. Erie Insurance and State Farm also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

Here are the average annual and monthly insurance rates for homeowners in Pennsylvania with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,160	$97
Erie Insurance	$1,358	$113
State Farm	$1,409	$117
Nationwide	$1,554	$129
Farmers	$2,024	$169
Travelers	$5,176	$431
USAA*	$1,496	$125

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

Pennsylvania homeowners insurance rates by ZIP code

Insurance providers in Pennsylvania factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.

To get the best deal on homeowners insurance rates in Pennsylvania, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Pennsylvania

Homeowners insurance costs in Pennsylvania can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 15101 area has the most affordable insurance rates, at $1,550 annually or $129 monthly.

Below are the homeowners insurance rates for the most affordable ZIP codes in Pennsylvania.

ZIP code	Average annual rate	Average monthly rate
15101	$1,550	$129
15090	$1,568	$131
15044	$1,570	$131
15238	$1,573	$131
15146	$1,577	$131
15144	$1,579	$132
15116	$1,584	$132
15024	$1,586	$132
15076	$1,587	$132
17225	$1,588	$132

Most expensive ZIP codes for home insurance rates in Pennsylvania

In Pennsylvania, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 19141 ZIP pay the highest insurance rates in Pennsylvania, with an average annual premium of $2,949.

Below is a list of some of the most expensive ZIP codes in Pennsylvania for homeowners insurance.

ZIP code	Average annual rate	Average monthly rate
19141	$2,949	$246
19138	$2,920	$243
19142	$2,909	$242
19109	$2,887	$241
19140	$2,884	$240
19190	$2,883	$240
19110	$2,880	$240
19126	$2,860	$238
19154	$2,859	$238
19132	$2,840	$237

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

Home insurance rate trend in Pennsylvania

We analyzed home insurance rate trends in Pennsylvania and found that homeowners insurance rates experienced an overall increase of 9% or $149, from 2022 to 2023.

The below data shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$1,218	$1,737	$1,886

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Pennsylvania.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.