Cumberland Insurance is the cheapest home insurance company in Pennsylvania, with rates as low as $493 per year — nearly $1,300 cheaper than the national average of $1,754 annually.
Cheapest homeowners insurance companies in Pennsylvania
Based on our analysis of home insurance rates in Pennsylvania, Cumberland Mutual, Allstate, Westfield Insurance, Erie, and Penn National Insurance are the most affordable home insurance carrier options for Pennsylvania residents in 2024. (Another plus? Allstate and Erie also made our list of the best home insurance companies in Pennsylvania.)
Company | Average annual cost |
|---|---|
Cumberland Mutual | $493 |
$771 | |
Westfield Insurance | $809 |
$822 | |
Penn National Insurance | $843 |
$889 | |
Donegal Insurance | $1,065 |
$1,119 | |
$1,130 | |
$1,218 | |
$1,246 | |
$1,376 | |
Selective Insurance | $1,402 |
$1,427 | |
$3,390 |
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Learn more >> Our complete guide to home insurance in Pennsylvania
Cheapest home insurance rates with a history of claims
Having a history of claims is one of the most likely reasons why your rates would be expensive. With multiple claims on your record, insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $886, Cumberland Mutual offers the cheapest home insurance rates in Pennsylvania for a homeowner that's filed three claims within a five-year period, while Travelers is the most expensive.
Company | Average annual cost |
|---|---|
Cumberland Mutual | $886 |
Westfield Insurance | $955 |
USAA | $1,214 |
State Farm | $1,274 |
Allstate | $1,464 |
Farmers | $1,582 |
Erie | $1,683 |
Donegal Insurance | $1,825 |
Penn National Insurance | $1,844 |
Chubb | $2,395 |
Pure Insurance | $2,408 |
Selective Insurance | $2,672 |
Nationwide | $2,963 |
Progressive | $3,479 |
Travelers | $5,257 |
Cheapest home insurance rates if you have poor credit
Late or missed payments on credit cards, car loans, or other loans can lead to higher insurance rates. Insurance companies consider a poor credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim, so many charge higher rates as a result.
With an average rate of $792 per year, Cumberland Mutual has the cheapest home insurance rates in Pennsylvania for a homeowner with poor credit.
Company | Average annual cost |
|---|---|
Cumberland Mutual | $792 |
Donegal Insurance | $1,065 |
Penn National Insurance | $1,155 |
Nationwide | $1,246 |
Selective Insurance | $1,402 |
Westfield Insurance | $1,468 |
USAA | $1,564 |
Progressive | $1,688 |
Pure Insurance | $1,713 |
State Farm | $2,047 |
Erie | $2,185 |
Farmers | $2,364 |
Allstate | $3,045 |
Chubb | $3,540 |
Travelers | $12,297 |
Cheapest home insurance rates if you have an older home
It can be costly to insure older homes since they're more prone to structural damage than newer homes. They're also often constructed with materials and features that are more expensive to replace.
With an average annual premium of $493, Cumberland Mutual offers the cheapest home insurance rates for a home over 100 years old in Pennsylvania.
Company | Average annual cost |
|---|---|
Cumberland Mutual | $493 |
Allstate | $773 |
Westfield Insurance | $824 |
Penn National Insurance | $855 |
Erie | $884 |
USAA | $924 |
Farmers | $1,096 |
State Farm | $1,116 |
Donegal Insurance | $1,167 |
Progressive | $1,221 |
Nationwide | $1,246 |
Chubb | $1,376 |
Pure Insurance | $1,428 |
Selective Insurance | $1,482 |
Travelers | $4,842 |
Common home insurance discounts in Pennsylvania
Many insurance companies offer discounts for bundling home and auto insurance, paying your premium up front, not filing claims, and more. These are just some of the discounts that can add up to big savings on your policy:
Bundling discount
Claims-free discount
Affiliation discount
Protective devices discount
New construction discount
Learn more >> 13 homeowners insurance discounts
How to lower the cost of home insurance in Pennsylvania
You can save on the cost of home insurance in Pennsylvania by taking advantage of available discounts and maintaining a good credit score. Other ways to lower your homeowners insurance rates are shopping around for home insurance in Pennsylvania and opting for a higher deductible. Just keep in mind a higher deductible means you’ll have to pay more money out of pocket when you file a claim.
Why are home insurance rates in Pennsylvania going up?
Home insurance premiums in Pennsylvania increased 19% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is due to a mix of rising construction costs, labor shortages, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks.
