🏠 Home insurance cost in Pennsylvania (2026)
The estimated average is $1,725 per year — below the national average (-25% vs. the U.S. average of $2,300).
Pennsylvania is home to about 13.0 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Philadelphia typically differ from smaller towns.
Estimate your home insurance in Pennsylvania
Pennsylvania home insurance estimator
Starts from the Pennsylvania average. Estimate only — get quotes to confirm.
Home insurance cost in Pennsylvania cities
| City | Population | Est. home insurance |
|---|---|---|
| Philadelphia | 1,550,542 | $1,932 |
| Pittsburgh | 302,971 | $1,794 |
| Allentown | 125,845 | $1,725 |
| Reading | 95,112 | $1,656 |
| Erie | 94,831 | $1,656 |
| Scranton | 76,328 | $1,656 |
Pennsylvania home insurance FAQ
How much is home insurance in Pennsylvania?
The estimated average home insurance in Pennsylvania is $1,725 per year, which is below the national average (-25% vs. the U.S. average of $2,300). Pennsylvania ranks 32 of 51 states from most to least expensive.
Why is home insurance cheaper in Pennsylvania?
Home insurance pricing in Pennsylvania reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in Pennsylvania?
Compare at least three quotes from insurers active in Pennsylvania, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.