Best homeowners insurance companies in Pennsylvania: Travelers
Travelers is the best home insurance company in Pennsylvania in 2026. Erie Insurance, State Farm, Farmers, Nationwide, 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.
Cheapest home insurance companies in Pennsylvania: Travelers
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, Travelers has the most affordable rates for all coverage levels.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,605 | $1,876 | $2,132 | $2,648 | $3,591 |
| Erie Insurance | $1,107 | $1,547 | $2,019 | $2,887 | $4,383 |
| Farmers | $1,266 | $1,755 | $2,179 | $3,104 | $4,463 |
| Nationwide | $1,400 | $1,897 | $2,461 | $3,649 | $6,057 |
| State Farm | $1,328 | $1,658 | $1,897 | $2,622 | $3,519 |
| Travelers | $1,077 | $1,370 | $1,782 | $2,538 | $4,066 |
| USAA | $665 | $833 | $985 | $1,267 | $1,694 |
*USAA only provides coverage to military members, veterans, and their families.
Average home insurance cost in Pennsylvania
The average cost of homeowners insurance in Pennsylvania is $1,434 a year or $120 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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 DepartmentThe most expensive ZIP codes in Pennsylvania for home insurance
Pennsylvania homeowners insurance rates are the most expensive for ZIP code 19146, with an average annual cost of $2,130.
The most expensive ZIP codes in Pennsylvania are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Philadelphia | 19146 | $2,130 |
| Philadelphia | 19112 | $2,128 |
| Philadelphia | 19109 | $2,110 |
| Philadelphia | 19110 | $2,109 |
| Philadelphia | 19139 | $2,103 |
| Philadelphia | 19143 | $2,091 |
| Philadelphia | 19114 | $2,086 |
| Philadelphia | 19137 | $2,083 |
| Philadelphia | 19119 | $2,081 |
| Philadelphia | 19135 | $2,080 |
The least expensive ZIP codes in Pennsylvania for home insurance
The cheapest ZIP codes for home insurance in Pennsylvania are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| New Bloomfield | 17068 | $1,199 |
| Avonmore | 15618 | $1,208 |
| Laughlintown | 15655 | $1,210 |
| New Alexandria | 15670 | $1,218 |
| Ickesburg | 17037 | $1,221 |
| Conway | 15027 | $1,226 |
| Shiloh | 17408 | $1,237 |
| Ligonier | 15658 | $1,241 |
| Loganville | 17360 | $1,241 |
| Derry | 15627 | $1,242 |
Pennsylvania homeowners insurance rates by county
Home insurance rates in Pennsylvania vary by county. Take a look at the average rates by county in Pennsylvania below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $1,392 | $116 |
| Allegheny | $1,335 | $111 |
| Armstrong | $1,400 | $117 |
| Beaver | $1,340 | $112 |
| Bedford | $1,375 | $115 |
| Berks | $1,406 | $117 |
| Blair | $1,333 | $111 |
| Bradford | $1,380 | $115 |
| Bucks | $1,706 | $142 |
| Butler | $1,370 | $114 |
| Cambria | $1,368 | $114 |
| Cameron | $1,350 | $113 |
| Carbon | $1,509 | $126 |
| Centre | $1,335 | $111 |
| Chester | $1,481 | $123 |
| Clarion | $1,419 | $118 |
| Clearfield | $1,370 | $114 |
| Clinton | $1,387 | $116 |
| Columbia | $1,401 | $117 |
| Crawford | $1,442 | $120 |
| Cumberland | $1,358 | $113 |
| Dauphin | $1,361 | $113 |
| Delaware | $1,754 | $146 |
| Elk | $1,375 | $115 |
| Erie | $1,365 | $114 |
| Fayette | $1,387 | $116 |
| Forest | $1,418 | $118 |
| Franklin | $1,404 | $117 |
| Fulton | $1,370 | $114 |
| Greene | $1,408 | $117 |
| Huntingdon | $1,362 | $113 |
| Indiana | $1,417 | $118 |
| Jefferson | $1,394 | $116 |
| Juniata | $1,358 | $113 |
| Lackawanna | $1,435 | $120 |
| Lancaster | $1,385 | $115 |
| Lawrence | $1,386 | $116 |
| Lebanon | $1,424 | $119 |
| Lehigh | $1,436 | $120 |
| Luzerne | $1,395 | $116 |
| Lycoming | $1,344 | $112 |
| Mckean | $1,375 | $115 |
| Mercer | $1,390 | $116 |
| Mifflin | $1,348 | $112 |
| Monroe | $1,502 | $125 |
| Montgomery | $1,579 | $132 |
| Montour | $1,471 | $123 |
| Northampton | $1,449 | $121 |
| Northumberland | $1,412 | $118 |
| Perry | $1,338 | $112 |
| Philadelphia | $2,017 | $168 |
| Pike | $1,471 | $123 |
| Potter | $1,362 | $114 |
| Schuylkill | $1,423 | $119 |
| Snyder | $1,443 | $120 |
| Somerset | $1,415 | $118 |
| Sullivan | $1,412 | $118 |
| Susquehanna | $1,400 | $117 |
| Tioga | $1,364 | $114 |
| Union | $1,455 | $121 |
| Venango | $1,416 | $118 |
| Warren | $1,393 | $116 |
| Washington | $1,350 | $112 |
| Wayne | $1,495 | $125 |
| Westmoreland | $1,355 | $113 |
| Wyoming | $1,394 | $116 |
| York | $1,354 | $113 |
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
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 20,739,560 insurance quotes from 81 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
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: 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.
Compare Pennsylvania homeowners insurance rates with other states
