Best and cheapest homeowners insurance in Pennsylvania for 2024

Best homeowners insurance companies in Pennsylvania: Erie Insurance

The best home insurance company in Pennsylvania for 2024 is Erie Insurance. State Farm, Nationwide, Farmers, and Allstate are among the top home insurance companies in Pennsylvania based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

Graph

Table

Best home insurance in Pennsylvania
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Erie Insurance	A+	0.52	4.83	$1,367
State Farm	A++	0.83	4.28	$1,424
Nationwide	A+	1.05	3.69	$1,592
Farmers	A	0.67	3.55	$2,072
Allstate	A+	1.46	3.43	$1,180
Travelers	A++	1.10	2.64	$5,232

Data updated in 2024

Cheapest home insurance companies in Pennsylvania: Allstate

Below are Pennsylvania home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, Allstate has the most affordable rates for all coverage levels except $200,000 dwelling.

Cheapest home insurance in Pennsylvania
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Allstate	$1,066	$1,180	$1,286	$1,525	$2,020
Erie Insurance	$989	$1,367	$1,786	$2,524	$4,110
State Farm	$1,095	$1,424	$1,648	$2,287	$3,442
USAA*	$1,178	$1,496	$1,771	$2,273	$3,175
Nationwide	$1,188	$1,592	$2,051	$3,023	$5,168
Farmers	$1,459	$2,072	$2,511	$3,398	$4,794
Travelers	$4,251	$5,232	$6,317	$9,203	$15,605

*USAA only provides coverage to military members, veterans, and their families.

Data updated in 2024

Average home insurance cost in Pennsylvania

The average cost of homeowners insurance in Pennsylvania is $1,911 a year or $159 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible
2% hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Pennsylvania homeowners insurance companies to get the best deal.

Pennsylvania home insurance rates by ZIP code

Home insurance rates vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Pennsylvania to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

The Pennsylvania Insurance Department says...

How much you pay for homeowners insurance could be determined in part by past damage and insurance claims. Information on the date of any specific damages, the type of claim filed by the policyholder, and how much money was paid by the insurance company, over the past five years is in the Comprehensive Loss Underwriting Exchange (C.L.U.E.) Home Seller's Disclosure Report. The C.L.U.E. report is owned and maintained by LexisNexis Risk Solutions.

- The Pennsylvania Insurance Department

The most expensive ZIP codes in Pennsylvania for home insurance

Pennsylvania homeowners insurance rates are the most expensive for ZIP code 19141, with an average annual cost of $3,170.

The most expensive ZIP codes in Pennsylvania are:

ZIP code	Average annual rate
19141	$3,170
19138	$3,151
19142	$3,126
19140	$3,101
19126	$3,099
19125	$3,059

Data updated in 2024

The least expensive ZIP codes in Pennsylvania for home insurance

The cheapest ZIP codes for home insurance in Pennsylvania are:

ZIP code	Average annual rate
16629	$1,503
17256	$1,504
16644	$1,505
15091	$1,510
17611	$1,513
19542	$1,517

Data updated in 2024

Compare homeowners insurance rates by city in Pennsylvania

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Pennsylvania.

City	Annual insurance premium
Lancaster	$1,391
Nanticoke	$1,300
Philadelphia	$2,082
West Mifflin	$1,512
York	$1,273

Data updated in 2024

FAQs by Pennsylvania homeowners

Does Pennsylvania homeowners insurance cover floods?

Home insurance does not cover you if a flood damages your home. Instead, you need to buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a home insurer that works with the NFIP.

How do I file a homeowners insurance complaint in Pennsylvania?

If you have a dispute that you cannot resolve, you can file a complaint with the Pennsylvania Insurance Department. You will need to register at the PID website before you can file a formal complaint.

If you prefer, you can download a complaint form and send it in by mail to:

Pennsylvania Insurance Department

1209 Strawberry Square

Harrisburg, PA 17120

What if I can’t get home insurance in Pennsylvania?

Pennsylvania’s Fair Plan guarantees the availability of basic fire insurance coverage for your home. To learn more, visit the Fair Plan website or call 1-800-462-4972.

Is home insurance required in Pennsylvania?

Like other U.S. states, Pennsylvania does not require home insurance. However, if the home is financed through a lender, the lender will require home insurance coverage.