- Best homeowners insurance companies in Pennsylvania: Erie Insurance
- Cheapest home insurance companies in Pennsylvania: Allstate
- Average home insurance cost in Pennsylvania
- Pennsylvania home insurance rates by ZIP code
- Compare homeowners insurance rates by city in Pennsylvania
- Home insurance FAQs
- Compare homeowners insurance rates with other states
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.
| 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 |
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.
| 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.
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 TexasMost & 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 |
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 |
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 |
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.Compare homeowners insurance rates by city in Pennsylvania
City Annual insurance premium
Home insurance FAQs
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 homeowners insurance rates with other states
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