Find the Cheapest Homeowners Insurance Quotes in Your Area
ValuePenguin studied quotes for a sample 2,000 square foot home in 94 cities in the state of Pennsylvania in order to determine which cities had the highest and lowest annual home insurance premiums. Based on this sample property, Pennsylvania homeowners pay on average $1,169 per year. Our research shows that there are significant price differences between home insurance rates in different cities. Below we profile the largest, cheapest and most expensive cities in the state of Pennsylvania for homeowners insurance. To find personalized homeowners insurance quotes, use our quote tool above.
- Best Homeowners Insurance Companies in Pennsylvania
- Cheapest Homeowners Insurance Companies
- Homeowners Insurance Rates in Pennsylvania's Largest Cities
- Top 5 Least Expensive Cities for Home Insurance In Pennsylvania
- Top 5 Most Expensive cities for Home Insurance in Pennsylvania
Best Homeowners Insurance Companies in Pennsylvania
Whether you live in Philadelphia or Lancaster County, be sure to find a home insurance policy that balances coverage features, price, stability and customer service in a way that suits you. Here we've honed in on customer service, comparing the largest homeowners insurance companies in the Keystone State using customer complaints. By this measure, the top-rated homeowners insurance companies in Pennsylvania are Chubb, Donegal and Farmers. The worst-rated customer service in the state came from Travelers, Liberty Mutual and Erie. However, Pennsylvania home insurance customers are happy with the service of its largest companies. All insurer complaint ratios fell well below the national median of 1.0.
We measured customer satisfaction by a complaint ratio collected from the National Association of Insurance Commissioners. Customer complaints are weighted by market share, so the number of complaints is adjusted relative to the size of a company, with a median score of 1.0. A lower complaint index indicates that customers are more likely to be happy with their service.
|Rank||Company||Market share||Complaint index|
|8||Chubb (Great Northern)||2.8%||0.1|
|9||Farmers (Truck Insurance Exchange)||2.1%||0.16|
Pennsylvania Homeowners Insurance Companies Reviews
Based on market share, the five largest homeowners insurance companies in Pennsylvania are State Farm, Erie, Allstate, Liberty Mutual and Nationwide. We reviewed these insurers below, focusing on policy coverage and features, customer experience and financial stability.
The largest home insurer in the nation is responsible for almost a quarter of all home insurance premiums in Pennsylvania. There are plenty of reasons to shop with State Farm given its unique coverage options, generous limits for high-value items and big discounts for bundling your purchase with your auto insurance policy.
State Farm home insurance policies offer additional coverage for a variety of situations if you're willing to pay an additional fee. For example, if you rent out your home for special events and need coverage against the risk of theft, you can purchase temporary rental coverage. Other options cover a range of unique perils from waterbed liability coverage to vacancy coverage, the latter of which which covers your home even if it's been unoccupied and empty of contents for 30 or more days.
If you're a Pennsylvania resident with high-value items, State Farm is also a good choice for you. The sub-limits in its standard policies are generous, with coverage for jewelry and home computers up to $2,500 and $5,000 respectively, several thousand dollars higher than most standard insurance policies.
Finally, if you're buying an auto insurance policy with State Farm, its multi-policy discount is a great way to save. When obtaining home insurance quotes in Pennsylvania, we saw discounts of up to 35% for bundling your home and auto insurance policies.
You're likely to get good customer service with State Farm, as its customer complaint ratio is 0.35, well below the national median of 1.0. However, the biggest home insurance companies in Pennsylvania have strong customer service reputations and this customer complaint score ranks seventh among the top 10 insurers. From a financially stability perspective, you'll have no worries with State Farm, as it gets A.M. Best's highest rating of "A++" for financial strength.
Headquartered in the Pennsylvanian city of the same name, Erie Insurance Group is the second biggest home insurance presence in the state's market. Erie stands out for the inclusion of replacement cost dwelling coverage in its standard policies, but to compare prices against other insurers you'll have to get in touch with an insurance agent, as Erie does not provide an online quote tool.
If you buy a homeowners insurance policy with Erie, coverage for your dwelling will be valued at replacement cost. This means that when filing a claim, your reimbursement will ignore wear and tear to your property. Most standard policies, by contrast, reimburse you an on actual cash basis, accounting for depreciation and giving you less money. Insurance carriers offer replacement cost coverage for an additional fee, so If you're comparing the price of an Erie policy with another insurer, be sure to compare the costs of like for like policies including this feature.
In terms of optional additional coverage features, Erie's selection is fairly standard. A notable exception is its service line endorsement. This add-on will cover sewer pipes, water lines, cable lines and other utility lines in your house and surrounding area. This is rarely offered by insurers, so if you're concerned about potential damage to your utility lines, Erie home insurance—combined with this endorsement—is a great choice.
Like State Farm, Erie has a customer complaint ratio that is better than the national median but below average for the top insurers in Pennsylvania. Therefore, you should expect good customer service, though not as outstanding as some of the other big insurers in the state. With an "A+" rating from A.M. Best, Erie has superior financial stability too.
Allstate is one of the biggest home insurance companies in the nation and the third largest presence in Pennsylvania. The main reason you should shop with Allstate is to investigate how many discounts you're eligible for, potentially making it a competitively priced option. Despite its above-average base prices, the company offers a variety of ways to save.
Allstate rewards lower-risk shoppers by offering discounts if you have home safety features, newer homes and a good claims and payment history. But its discounts aren't limited to low-risk customers. Allstate's early signing discount, given to those who purchase their policy more than a month in advance, saves Pennsylvania residents $120 on their annual premium, and is just one of a variety of Allstate discounts that may apply to you.
With a customer complaint ratio that ranks fifth of the 10 largest home insurance companies in Pennsylvania, Allstate is likely to provide shoppers and clients with quality customer service. And its financial strength rating of "A+" from A.M. Best means it is in exceptional financial condition to pay your claims.
Liberty Mutual is the fourth largest home insurance provider in Pennsylvania, and although its customer service rating might not be as exceptional as some competitors, the insurer offers some unique coverage features that are worth a look.
For example, Liberty Mutual has three features included in its standard homeowners insurance we didn't see anywhere else: inflation protection, a 12 month rate guarantee and replacement services for personal belongings. Inflation protection will ensure your coverage limits keep pace with rising prices, while the yearly rate guarantee means you won't have to worry about your premiums increasing every six months, as may be the case with other insurers. Finally, the personal belongings replacement service is particularly unique. With this feature, Liberty will find a replacement for damaged or stolen items when you file a claim and ship it to you themselves.
With a customer complaint ratio of 0.51, Liberty Mutual is among the poorest rated of the top 10 insurance companies in Pennsylvania, but this still rates better than the national median of 1.0. Its financial strength rating of "A" from A.M. Best, while excellent, puts it a notch below the other top insurance companies in this list.
The fifth biggest name in Pennsylvania home insurance is Nationwide, which offers standard home insurance policies with no standout features. Nationwide had some of the most expensive quotes in our Pennsylvania cost survey, but its policy offerings can't justify the increased cost. It may be worth getting a quote from Nationwide to cover your bases, but there's no reason to start your search with this insurer.
Nationwide offers discounts on its policies for shoppers who bundle auto insurance, have claim-free histories and install home protection devices, but these discounts are common among competitors. Its coverage features are not unique either, with the possible exception of its Better Roof Replacement endorsement, which will cover the costs of rebuilding your roof with stronger and safer materials after damage by a covered event.
Similarly to all the top insurance companies in Pennsylvania, Nationwide has a good customer complaint ratio, though its rank of sixth among the largest 10 providers in the state is not outstanding. Like Allstate and Erie, Nationwide receives a financial strength rating of "A+" for superior ability to meet its insurance obligations.
Cheapest Homeowners Insurance Companies in Pennsylvania
We obtained quotes for our sample $200,000 house across 94 cities from State Farm, Allstate, Nationwide, and Farmers. We averaged quotes from each company across the various cities to find which companies had the most affordable home insurance rates in Pennsylvania. The graph below shows the average annual premiums for our sample 2,000 square foot hoome by company:
Find the Cheapest Homeowners Insurance Quotes in Your Area
Homeowners Insurance Rates in Pennsylvania's Largest Cities
Our study evaluated annual home insurance rates across the largest cities in Pennsylvania. Factors impacting homeowners insurance rates include, but are not limited to: the age of the home, square footage, replacement cost, number of primary inhabitants, construction type and roof type. The homeowners in the ten largest cities in Pennsylvania pay on average 3% less than the rest of the state. The cost of insuring our sample home in these areas is $1,139 per year.
Philadelphia, known simply as “Philly” to locals, is Pennsylvania’s largest city. The city is where the nation’s founding fathers gathered to draft the Declaration of Independence. Philadelphia is a large and industrious city with a population of over 1.5 million. Philadelphia has a history of tornado events, which impacts homeowners insurance rates in the area. Extreme weather events equate to greater risk of property damage. Insurance companies respond to the increased possibilities of property damage by raising insurance premiums. As a result, on average, Philadelphia’s home insurance rates are the highest in the state with an annual cost of $1,988 – 70% higher than the state average of $1,169.
Residents of Philadelphia would be wise to shop around for different homeowners insurance policies since quotes vary substantially. For our sample home, State Farm quoted the lowest rate of $1,427 and Nationwide quoted the highest rate of $2,705. Of the 94 cities in the research study, Philadelphia ranked as the most expensive city for homeowners insurance.
Pittsburgh is the second largest city in the state of Pennsylvania. Pittsburgh is nicknamed “The Steel City” due to its historic production of steel. Homeowners in the Steel City pay $877 for home insurance, on average. Homeowners insurance rates in Pittsburgh are 25% lower than the state average.
Despite its large size, Pittsburgh ranks as the second cheapest city for homeowners insurance in the state of Pennsylvania. On average, homeowners pay $292 less than the average state amount of $1,169. Farmers offered the lowest quote in the city by $552.
Allentown ranks as the fastest growing of the five largest cities in Pennsylvania. The 2010 U.S. Census reported a growth of 10.7% when compared to the 2000 U.S. Census. Based on our study, the average homeowners insurance quote in the city is $1,249. This figure represents a 7% premium when compared to the state average.
Farmers quoted the lowest home insurance rate in the city at $980. State Farm offers the next cheapest quote which is $134 more when compared to the quote offered by Farmers. Residents of Allentown pay $80 more than the state average.
Erie is the fourth largest city in Pennsylvania and is situated along the coastline of Presque Isle Bay. Our study found that on average homeowners pay $861 annually for home insurance. This represents a savings of 26% when compared to the rest of the state.
Nationwide quoted the most affordable home insurance rate in the city with an annual cost of $535. The average resident saves $308 when compared to the state average. Allstate quoted a rate that is more than double what Nationwide quoted. Our study found that Erie has the lowest average homeowners insurance rate in the state.
Reading is Pennsylvania’s fifth most populous city and the sixth most populous municipality. The city was founded between the Schuylkill River and the east Penn-Lebanon Valley. The sons of William Penn, Thomas and Richard Penn, planned out the city. The average homeowners insurance rate in Reading is $1,163. The average annual rate in Reading is near the state average of $1,169.
Nationwide quoted the most expensive rate in Reading at $1,563 annually. That is $717 more expensive than the quote provided by Farmers, the most affordable homeowners insurance quote in the area. Farmers quoted our sample home an annual home insurance rate of $846.
The city of Scranton is the sixth most populous city in the state of Pennsylvania. The Lackawanna River bisects the city. The city is home to the Wilkes-Barre/Scranton International Airport, which is only a 14-minute drive from downtown. The average home insurance quote for our sample home in Scranton was $1,059, which is 9% more affordable than the state average.
Farmers quoted the lowest rate at $788. The other insurance companies quoted in the area were all within a $227 range. The difference between the state average and the lowest rate in the city was $381.
Bethlehem is a city in Pennsylvania of approximately 75,000 residents. Bethlehem is home to Moravian College, America’s sixth-oldest college, and Lehigh University. Our study found the average homeowners insurance policy in Bethlehem costs $1,140, which is $29 less than the state average.
Bethlehem citizens have various options for a home insurance policy with quotes varying by up to $350. The lowest quote from our study was provided by Farmers at $933 annually. The least affordable quote was provided by Nationwide at $1,283 annually.
Once the capital of the nation, albeit for one day, Lancaster is a city located in south-central Pennsylvania. The city’s Central Market is the nation’s oldest running farmers market. This city has average homeowners insurance rates which are 19% lower than the state mean. Lancaster residents pay on average $949 a year for homeowners insurance.
Farmers quoted our sample residence a home insurance rate of $709 annually. This is $574 cheaper than the most expensive quote, which was gathered from Allstate. Home insurance quotes gathered from State Farm and Nationwide were $251 and $134 more expensive than Farmers’s quote.
Harrisburg is the ninth largest city in Pennsylvania and serves as the state capital. The city is situated approximately 107 miles west of Philadelphia. Homeowners in the city pay around the same amount as the state average for their homeowners insurance policies. The average home insurance policy quoted by our study was $1,137, which is 3% less than Pennsylvania’s average.
State Farm and Allstate quoted rates within $41 of each other. The most affordable home insurance policy in the city is offered by Farmers. Farmers offered a quote of $931 annually, which is $238 less than the state average.
Altoona is the tenth most populous city in Pennsylvania. The city has a population of approximately 46,000 people. Several Special Flood Hazard Areas are located within the city. Altoona residents pay on average $970 annually for homeowners insurance. Average home insurance rates in Altoona are 17% lower than the state average.
Altoona residents have options when it comes to homeowners insurance. Farmers and State Farm offer quotes below $1,000. Allstate and Nationwide offer quotes of $1,076 and $1,080, respectively. All quotes gathered within the city were lower than the state average.
Least Expensive Homeowners Insurance in Pennsylvania: by City
The following graph shows the five least expensive cities of all 94 cities which were part of this study. The cities are listed in order of average price starting with the lowest rate and ascending. The figures listed in the graph represent the average home insurance rate in each city. Erie is the cheapest city in Pennsylvania for homeowners insurance. Residents pay $861 annually on average, which is $308 lower than the state average.
As previously mentioned, Erie offers low-cost homeowners insurance rates. The city boasts the lowest average home insurance rate in the state at $861. Every quote collected in Erie was lower than the state average.
Despite being the second largest city in Pennsylvania, Pittsburgh is the second most affordable for homeowners insurance in the state. The average rate for a home insurance policy is $877 annually, which is 25% less expensive than the state average.
Tarentum is the third most affordable city in Pennsylvania for home insurance. The city is located northeast of Pittsburgh. Residents pay on average $883, which is 24% lower than the average in Pennsylvania.
State College, PA
State College is home to the University Park campus of Pennsylvania State University. When thinking about purchasing a home in State College, would-be homeowners should rest assured that, when it comes to homeowners insurance costs, the city offers some of the cheapest rates in Pennsylvania. State College residents pay on average $900 per year for their home insurance. That is 23% lower than the state average.
Greencastle is located in the southern portion of the state, just 6 miles away from the Pennsylvania-Maryland border. Those looking to insure homes in Greencastle enjoy mean insurance premiums of $919 per year. This means that, on average, Greencastle residents pay 21% less than the rest of the state.
Most Expensive Homeowners Insurance in Pennsylvania: by City
The following graph shows the five most expensive cities of all 94 cities which were part of this study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance is Philadelphia where our research found an average annual rate of $1,988, which is $819 higher than the state average.
ValuePenguin studied 94 cities, spread out geographically all throughout Pennsylvania. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had 1.5 baths and an attached garage. Quotes for this home were obtained from State Farm, Allstate, Nationwide and Farmers insurance companies. The rates were then averaged to arrive at a mean value for each city. To see an alphabetical list of all the cities included in the comparison analysis, please see below. We've displayed all cities from Allentown to York with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
|Rank||City||Average Insurance Rate||Cost Compared to Average|