Pennsylvania homeowners pay the cheapest rates for home insurance with Penn National, which has an average premium of $53 a month. Erie and USAA also offer Pennsylvanians cheap home insurance at $67 and $80 a month, respectively.
We're here to help you understand the different factors that go into your home insurance premium, making sure you find the best policy at the cheapest rate.
In this article
Cheapest homeowners insurance companies in Pennsylvania
Penn National offers the cheapest home insurance in Pennsylvania, with an average premium of $53 a month. Erie is the second-cheapest home insurer in the state, at $67 a month, followed by USAA, at $80.
| Company | Average monthly rate |
|---|---|
| Penn National | $53 |
| Erie | $67 |
| USAA | $80 |
| Nationwide | $84 |
| Allstate | $89 |
| State Farm | $99 |
| Travelers | $105 |
| Farmers | $118 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in Pennsylvania?
The average cost of home insurance in Pennsylvania is $87 a month. That's 40% cheaper than the 2021 national average home insurance rate of $144 a month. Multiple factors may impact the final quote you receive, including:
- Your home's age
- Construction materials used
- Your ZIP code
- Your insurance history
Home insurance quotes from different companies vary in part due to how they prioritize different risk factors. The more home insurance quotes you get and compare, the better your chance of finding the coverage you want at the cheapest price.
Compare quotes from top insurance companies
Best home insurance companies in Pennsylvania
Looking at the eight biggest homeowners insurance providers in Pennsylvania, we found Penn National, Erie and USAA to be the best. Here's why.
Penn National: best local provider
Penn National has the lowest average homeowners insurance rate in Pennsylvania, at $53 a month. This comes in 39% cheaper than the state average of $87. It's also the perfect choice if you want a local provider. Founded in 1919 and based in Harrisburg, Pa., Penn National provides many different lines of insurance, including homeowners.
Penn National has an "A-" financial strength rating from A.M. Best, indicating an "Excellent" ability to pay out claims. Furthermore, it's one of only four insurers to receive A.M. Best's "Superior" rating for claims customer experience.
Erie: best bundling discount
Erie's average home insurance rate in Pennsylvania of $67 a month is lower than the state average, but with the company's bundling discount you can save even more. If you bundle home insurance with a life or auto insurance policy, you can save between 16% and 25% on your total insurance costs. That's a higher bundling discount than many other insurers offer.
Erie also has an excellent customer satisfaction history. In its 2021 U.S. Home Insurance Sstudy, J.D. Power gave Erie a rating of 835 out of 1,000, making Erie the third-highest rated insurer in the study. Its study is based on factors including claims, policy offerings, interaction, billing and policy information, and price.
USAA: best for veterans
USAA has the third-cheapest home insurance rate in Pennsylvania, at an average $80 a month. USAA is often considered among the best insurance providers. On top of low rates, USAA has an exemplary customer satisfaction history. In the J.D. Power's 2021 U.S. Home Insurance Study, USAA received a score of 882 out of 1,000.
USAA isn't ranked in J.D. Power's study because it only offers insurance to military personnel and veterans, as well as their families. However, if you're one of the estimated 800,000 veterans living in Pennsylvania, we highly recommend you consider USAA when comparing quotes.
Get cheap homeowners insurance in Pennsylvania
Best home insurance companies in Pennsylvania by city
Of the three cheapest home insurance companies in Pennsylvania, residents of Allentown pay the lowest rates for homeowners insurance with Penn National. Philadelphia pays the highest rate with Erie, at an average $123 a month.
| City | Erie | Penn National | USAA |
|---|---|---|---|
| Allentown | $60 | $43 | $77 |
| Bethlehem | $64 | $44 | $78 |
| Erie | $70 | $51 | $84 |
| Harrisburg | $54 | $47 | $82 |
| Lancaster | $54 | $48 | $79 |
| Levittown | $128 | $73 | $93 |
| Philadelphia | $123 | $106 | $100 |
| Pittsburgh | $71 | $57 | $78 |
| Reading | $60 | $46 | $79 |
| Scranton | $78 | $58 | $78 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Large cities like Philadelphia may see elevated home insurance rates due to higher crime rates and population density, increasing the likelihood of a claim.
Methodology
We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in Pennsylvania from the following providers:
- Allstate
- Erie
- Farmers
- Nationwide
- Penn National
- State Farm
- Travelers
- USAA
Our sample home used the following policy specifications:
- Dwelling coverage: $275,000
- Personal property coverage: 50% of dwelling ($137,500)
- Other structures coverage: 10% of dwelling ($27,500)
- Loss of use coverage: 20% of dwelling ($55,000)
- Liability coverage: $100,000
- Medical payments: $5,000
Coverage sets were calculated using the following deductible limits:
- $500
- $1,000
- $1,500
- $2,000
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.