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Average Cost of Homeowners Insurance In Pennsylvania

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Average Cost of Homeowners Insurance In Pennsylvania

Shoppers often ask what the average cost of homeowners insurance in Pennsylvania is. While all savvy customers will want to compare rates online, most people fail to realize that their insurance company can restructure their policy at any time. In certain markets, it’s wise to shop. Even if you do not end up changing who you do business with, it will let you know if they are taking advantage of your loyalty. Furthermore, you will always be sure you have enough coverage to protect your current lifestyle should the worst occur.

Customers can find Pennsylvania in the northern and Mid-Atlantic regions of the United States. In addition, Pennsylvania is one of the 13 original states of the United States. Moreover, it is the sixth most populous state in the US. This state borders Delaware, Maryland, West Virginia, and Ohio. Quakers founded Pennsylvania as a haven by William Penn. The capital of Pennsylvania, Philadelphia, was the site of the first and second Continental Congresses. The Continental Congress produced the Declaration of Independence, which sparked the American Revolution.

Once the war had ended, Pennsylvania became the second state to ratify the US Constitution. Tourists visit from all over the United States to see the monuments of America’s revolutionary history. These monuments include Independence Hall and the Liberty Bell. This state is also the birthplace of Hersey’s chocolate. Presently, this state is one of the nation’s leading oil, coal, and steel providers.


Average Cost of Homeowners Insurance In Pennsylvania


For a sample house of $200,000, we obtained quotes from five significant Homeowners insurance companies to find the best rates. We discovered the lowest rates were from Farmers. The second-lowest rate we quoted was from Nationwide. Be sure to shop and compare quotes wisely as they will differ from company to company.


Does anyone need the best insurance rates for the state of Pennsylvania? How do you find the best rates? If you live in Pennsylvania’s most affordable cities, your rates will be 15% lower than the state average. For the year, you will pay around $887. These cities spread throughout the state include State College, Greencastle, Hanover, Lancaster, and Wilkes Barre.

CityAverage Annual RatesChange vs State Average
State College830-12%
Wilkes Barre842-13%


On average, the most expensive rates in Pennsylvania are 40% higher insurance premiums than the rest of the state. These cities are all located in the eastern part of PA, close to the Delaware River.

CityAverage Annual RatesChange vs. State Average (%)
Fort Washington145925

The Biggest Cities in PA



Philadelphia is the largest city in Pennsylvania. It has a population of 1.553 million. Benjamin Franklin discovered and founded the nation’s first library here, The Library Company of Philadelphia. Also, Benjamin Franklin and Dr. Thomas Bond created the Pennsylvania Hospital in 1751. It is America’s first hospital. Philadelphia has the highest home coverage rate average than any other city in the state. If you choose to live here, the average rate is $1735.



Pittsburgh leads America in manufacturing the following:

Moreover, Pittsburg steel went to projects such as the Empire State Building and the Golden Gate Bridge. In addition, Pittsburgh, PA,  is also home to the Big Mac, a McDonald’s favorite. Finally, Based on collected Pennsylvania quotes, an estimated coverage price here for your home is $1013.



Allentown is the third-largest city in the state of Pennsylvania. If you want to live in a smaller town than Philadelphia or Pittsburgh quietly, this is the city for you. One of the unique parts of Allentown is the Liberty Bell. The Liberty Bell brings hundreds of thousands of tourists to Allentown each year. Patriots hid the Liberty Bell from the British during the Revolutionary War. However, it has remained at the museum ever since. Annual insurance for your home will cost an estimated $949.



Everyone will find Erie in the northwestern section of Pennsylvania. The area’s first residents named this city after Lake Erie. Furthermore, they called it after a Native American tribe that stayed along the city’s shore. Erie is the fourth largest city in PA, with a population of 100,641. Erie is between Buffalo, New York, Cleveland, Ohio, and Pittsburg. Erie provides a manufacturing sector that remains important in the local economy. Home coverage in this city is an average of $988.



Reading is the fifth-largest city in Pennsylvania. According to a 2010 census, the town of Reading has the most of citizens living in poverty than the entire nation. Today Reading is a city full of industrial life. It is full of churches, hospitals, clubs, fraternal societies, recreational centers, and schools. The annual coverage rate here is $903.



This city took its first step and earned its reputation as the Electric City when Dickson Locomotive Works introduced electric lights in the 1880s. Then, six years later, the electric streetcar began operating in this city. A policy here annually will cost $954.



Bethlehem has a population of 7,492. It is the seventh-largest city in Pennsylvania. However, you can still find that Bethlehem offers quiet and homely things to do despite the people. It also made the list of the Top 100 Places to Live in 2006 Money magazine.



Lancaster is one of the oldest inland towns in Pennsylvania. In addition, this city’s primary industries include healthcare, tourism, public administration, manufacturing, and home to the largest indoor retail facility. Furthermore, Lancaster was also home to the nation’s 15th president, James Buchanan. Homeowners’ insurance quotes PA residents need will show a cost of $828 in Lancaster.

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