Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Pennsylvania Average homeowners insurance cost in Pennsylvania Homeowners insurance in Pennsylvania costs $1,886 per year or $157 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Pennsylvania is $1,886 a year. Continue reading to learn more about homeowners insurance rates in Pennsylvania by ZIP code and insurer. 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 levelHomeowners insurance costs $1,886 a year in Pennsylvania for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Pennsylvania will increase to $1,358 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Pennsylvania for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,455$121200000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,475$123300000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,886$157300000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,911$159400000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,286$191400000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,316$193600000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,162$263600000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,200$2671000000 with 1000 Deductible and 100000 Liability and 2% Deductible$4,910$4091000000 with 1000 Deductible and 300000 Liability and 2% Deductible$4,966$414Homeowners insurance companies in Pennsylvania determine rates based on risk factors. When calculating premiums, they consider your location, claims history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. 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 PennsylvaniaIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Pennsylvania by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, Farmers received the lowest NAIC score and an AM Best rating of A. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreFarmers$2,024A0.545Allstate$1,160A+0.94.2Nationwide$1,554A+0.874.17Travelers$5,176A++0.544.13State Farm$1,409A++0.954.04Average homeowners insurance cost by company in PennsylvaniaAllstate offers the most affordable homeowners insurance in Pennsylvania, at an average annual premium of $1,160, followed by Erie Insurance and State Farm.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Pennsylvania homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$1,160$97Erie Insurance$1,358$113State Farm$1,409$117Nationwide$1,554$129Farmers$2,024$169Travelers$5,176$431USAA$1,496$125Pennsylvania homeowners insurance rates by ZIP codeInsurance companies in Pennsylvania assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Pennsylvania. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in PennsylvaniaHomeowners 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 codeAverage annual rateAverage monthly rate15101$1,550$12915090$1,568$13115044$1,570$13115238$1,573$13115146$1,577$13115144$1,579$13215116$1,584$13215024$1,586$13215076$1,587$13217225$1,588$132Most expensive ZIP codes for home insurance rates in PennsylvaniaIn 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 codeAverage annual rateAverage monthly rate19141$2,949$24619138$2,920$24319142$2,909$24219109$2,887$24119140$2,884$24019190$2,883$24019110$2,880$24019126$2,860$23819154$2,859$23819132$2,840$237Home 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 cityAllentownEriePhiladelphiaPittsburghReadingHome insurance rate trend in PennsylvaniaWe 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 data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,218$1,737$1,886To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Pennsylvania.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.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 deductibleWe 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. Explore other insurance options in Pennsylvania Average renters insurance cost in Pennsylvania Average car insurance cost in Pennsylvania Non-owner car insurance in Pennsylvania How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? 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