Who Has the Cheapest Homeowners Insurance Quotes in Pennsylvania?

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

Pennsylvania, the birthplace of independence and Hershey’s chocolate, is found in the northeast of the United States. Pennsylvania is referred to by some as “The Quaker State” in reference to its founding by William Penn and Quaker settlers. Today, the state is one of the nation’s chief suppliers of oil, coal and steel - all of which are Pennsylvania’s greatest industries. 

When shopping for a home, it is easy to overlook costs which are not talked about as much by real estate agents. One such cost to consider is homeowners insurance. ValuePenguin studied quotes for a sample 2,000 square foot home over 90 cities in the state in order to determine which of its cities had the highest and lowest annual home insurance premiums. Based on this sample property, Pennsylvania homeowners pay on average $967 per year. Our research has shown there exist significant price differences of up to 50% between homes insurance rates in different cities. Below we profile the top five most and least affordable cities in the state of Pennsylvania for homeowners. To find homeowners insurance quotes, use our quote tool above.

Cheapest Homeowners Insurance Companies in Pennsylvania

We obtained quotes for our sample $200,000 house across 93 cities from Farmers, Liberty Mutual, Nationwide, and State Farm. Next, we averaged quotes from each company across the various cities and towns to find which companies had the best home insurance rates in Pennsylvania. Here are the average annual premiums for our sample 2,000 square foot house by company:

ValuePenguin performed a study of homeowners insurance companies using a sample residence and policyholder and found Farmers had the best rates.

Best Homeowners Insurance Rates in Pennsylvania: by City

Pennsylvania residents living in one of the state’s five most affordable cities can find that their homeowners insurance rates are 13% lower than the state mean, with an average of $839 per year. These cities are spread out geographically between southern, northern, and western parts of the state. 

Rank City Average Annual Rates Change vs State Average
1 State College $827 -14%
2 Hanover $839 -13%
3 Lancaster $840 -13%
4 Wilkes Barre $846 -12%
4 Greencastle $846 -12%
5 Gettysburg $848 -12%

This map shows which cities have the lowest costs to insure a home in Pennsylvania, based on our sample property

State College, PA

Referred to as “Happy Valley” by locals, State College is home to the University Park campus of Pennsylvania State University. The American Institute for Economic Research ranked the city as the third best college town in the United States. When thinking about purchasing a home in State College, would-be homeowners can rest assured that when it comes to homeowners insurance costs, the city offers one of the best rates in Pennsylvania. State College residents pay on average $827 per year for their home insurance. That is 14% lower than the state average.

Hanover, PA

Hanover is a borough of York County and has the second lowest homeowner insurance premiums in the state of Pennsylvania. The city is located just a 10-minute drive away from Codorus State Park and Lake Marburg. Average annual home insurance rates are 13% lower than the rest of the state – the mean home insurance cost is $839 per year. 

Lancaster, PA

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, having been operational since 1731. Lancaster is the third most affordable city in Pennsylvania when it comes to insuring residents' houses. This city sees average homeowners insurance rates which are 13% lower than the state mean, around $840 per year.

Wilkes-Barre, PA & Greencastle, PA

Wilkes-Barre is the county seat of Luzerne County and is located in the center of Wyoming Valley. With a population of roughly 40,000 people, Wilkes-Barre is also Pennsylvania’s 13th largest city. Our analysts found that Wilkes-Barre homeowners pay on average $846 per year which ranks the city as the fourth cheapest in our state analysis. Wilkes-Barre is 12% more affordable than the state average of $967.

Greencastle, a borough of Franklin County, ties with Wilkes-Barre for the fourth cheapest homeowners insurance rates in Pennsylvania. The city 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 $846 per year. This means that, on average, Greencastle residents pay 12% less than the rest of the state.

Gettysburg, PA

The last spot on our list of places with the cheapest home insurance in Pennsylvania goes to Gettysburg, in Adams County. The town is perhaps best known as the site of a turning point in the American Civil War. Subsequently, Abraham Lincoln opened his now-famous Gettysburg Address with "four score and twenty years ago" to honor the lost soldiers and to consecrate their contributions at today's Gettysburg National Cemetery. Annual premiums for our profiled home and homeowner were on average $848, 12% cheaper than the state average.

Most Expensive Homeowners Insurance in Pennsylvania

Residents of the five most expensive cities for homeowners insurance in Pennsylvania pay on average 40% higher insurance premiums than the rest of the state. With the exception of Fort Washington, these cities are all located in the eastern part of Pennsylvania in close proximity to the Delaware River.

Rank City Average Annual Rates Change vs State Average
1 Philadelphia $1,674 73%
2 Levittown $1,404 45%
3 Havertown $1,276 32%
4 Ardmore $1,234 28%
5 Fort Washington $1,162 20%

This map plots which cities have the most expensive home insurance costs in Pennsylvania

Philadelphia, PA

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. Today Philadelphia is a large and industrious city with a population of over 1.5 million. Crime is a major problem facing Philadelphia. The city’s crime rate is 2.5 times worse than that of the state average. Philadelphia also has a history of tornado events, greater than both the Pennsylvania and US average. Higher crime and extreme weather rates tend to correlate with a greater risk of property damage. Insurance companies respond to the increased probability by raising insurance premiums. As a result, on average, Philadelphia’s home insurance is the highest in the state with an annual cost of $1,674 – 73% higher than the state average of $967. 

Levittown, PA

Levittown is located west of the Delaware River and Van Sciver Lake. Proximity to these large bodies of water raises the risk of property damage which accompanies floods. As a result, insurance companies in Levittown have a greater chance of having to pay out damages to properties sustained by such water damage. Levittown has an average annual homeowner insurance rate 45% more expensive than costs in the typical Pennsylvania city of $967. Levittown homeowners pay on average of $1,404 per year. 

Havertown, PA

Havertown is Pennsylvania’s third most expensive city for homeowners to insure. Located just 9 miles west of Philadelphia, Havertown shares Philadelphia’s trend of higher than average tornado rates. This history of tornado activity increases the risk of property damage being sustained by homes in the city, which in turn causes insurance companies to price premiums higher. The city’s homeowners insurance rates are 32% higher than what residents in the typical Pennsylvania city pay. Homeowners can expect to see average insurance costs in the area of around $1,276 per year for our profiled house.

Ardmore, PA

Ardmore is a city of 12,000 residents located just a 30-minute drive from the center of Philadelphia. The town is home to Lower Merion High School, which has one of the state’s best varsity basketball programs. The school is where basketball legend Kobe Bryant got his start by leading his alma mater to a State Championship back in 1996. Ardmore’s homeowners insurance rates, however, are anything but a slam dunk. The city ranks among Pennsylvania’s most expensive cities for homeowners to purchase insurance in. On average, our sample property costs $1,234 per year to insure, making it the state’s 4th most expensive city when it comes to home insurance.

Fort Washington, PA

Fort Washington is a small town of 5,000 people. The city is located in Montgomery County, and is a designated suburb of Philadelphia. Fort Washington homeowners pay insurance premiums 20% higher than the state average. The average cost of homeowners insurance in Fort Washington hovers around $1,162 per year. 

Average Cost of Homeowners Insurance in Pennsylvania: by City

ValuePenguin surveyed homeowners insurance rates in over 90 cities throughout Pennsylvania for a standard 2,000 square foot house. We then averaged the rates across the state to create an ordered list of cities ranging from least to most expensive when it comes to homeowners insurance. The number in the graph represents the average annual home insurance rate each city for our profiled house.

A ValuePenguin study found the average cost of homeowners insurance for a sample residence and person was $966 in Pennsylvania.

Methodology

This study pulled data from 93 Pennsylvania cities across the state. We sampled home insurance rates across 4 insurance companies operating within the state (Liberty Mutual, State Farm, Nationwide, Farmers) to arrive at an average homeowners insurance value for each city. The hypothetical homeowner was a non-smoker, with a good credit history, and has never filed for any insurance claims in the past. The homeowner was seeking to insure a property valued at approximately $200,000. Rates were collected for an average home consisting of 2 stories, 1.5 bathrooms and 2,000 square feet.

For an alphabetical listing of the 90+ cities included in our Pennsylvania rate comparison, please refer to the table below:

City Average Annual Rates Change vs State Average
Allentown $934 -3%
Altoona $911 -6%
Ardmore $1,234 28%
Beaver $937 -3%
Bethlehem $977 1%
Bloomsburg $920 -5%
Bradford $952 -1%
Brookville $959 -1%
Butler $924 -4%
Carlisle $932 -4%
Carnegie $946 -2%
Chambersburg $883 -9%
Clarion $917 -5%
Clarks Summit $976 1%
Clearfield $921 -5%
Coatesville $1,052 9%
Coudersport $943 -2%
Cranberry Twp $870 -10%
Dallas $895 -7%
Doylestown $1,140 18%
Du Bois $913 -6%
East Stroudsburg $1,026 6%
Effort $1,086 12%
Ellwood City $1,056 9%
Emlenton $964 0%
Erie $904 -6%
Fort Washington $1,162 20%
Gettysburg $848 -12%
Greencastle $846 -12%
Greensburg $899 -7%
Hanover $839 -13%
Harrisburg $944 -2%
Havertown $1,276 32%
Hawley $1,013 5%
Hazleton $948 -2%
Honesdale $1,057 9%
Hummelstown $888 -8%
Indiana $881 -9%
Johnstown $872 -10%
Kane $952 -2%
Kittanning $968 0%
Lancaster $840 -13%
Lansdale $1,119 16%
Latrobe $923 -4%
Lebanon $938 -3%
Lehighton $1,038 7%
Levittown $1,404 45%
Lewistown $914 -5%
Lock Haven $916 -5%
Mc Alisterville (Fayette) $931 -4%
McConnellsburg $899 -7%
McKeesport $908 -6%
Meadville $929 -4%
Millersburg $939 -3%
Milton $891 -8%
Monessen $922 -5%
Mountain Top $880 -9%
New Bethlehem $986 2%
New Bloomfield $982 2%
New Castle $963 0%
Oil City $948 -2%
Philadelphia $1,674 73%
Phoenixville $1,082 12%
Pittsburgh $926 -4%
Pittston $886 -8%
Pottstown $1,090 13%
Pottsville $966 0%
Punxsutawney $944 -2%
Reading $876 -9%
Ridgway $967 0%
Saint Marys $924 -4%
Sayre $900 -7%
Schuykill Haven $971 0%
Scranton $939 -3%
Shamokin $993 3%
Sharon $938 -3%
Somerset $910 -6%
State College $827 -14%
Stroudsburg $1,053 9%
Tarentum $901 -7%
Titusville $1,020 5%
Towanda $937 -3%
Uniontown $944 -2%
Warren $913 -6%
Washington $967 0%
Waynesboro $912 -6%
Waynesburg $1,018 5%
Wellsboro $912 -6%
West Chester $1,097 13%
Wilkes Barre $846 -12%
Williamsport $876 -9%
Wyalusing $993 3%
York $862 -11%

Sources:
Pennsylvania Census Data: https://quickfacts.census.gov/qfd/states/42000.html
National Weather Services: https://www.nws.noaa.gov/om/hazstats.shtml
Photo Courtesy of skinnylawyer / Flickr: https://flic.kr/p/aDdYbN

Comments and Questions