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Affordable Home Insurance in Pennsylvania

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What drives home insurance rates in Pennsylvania

Average homeowners premium, 2023

$1,217

The average homeowners policy in Pennsylvania cost $1,217 for a year of coverage in 2023, against $1,737 nationally.

Claims paid per premium dollar, 2023

63.3¢

Home insurers in Pennsylvania paid 63.3 cents in claims for every premium dollar in 2023; the median state was 64 cents.

Severe weather events, 2024

331

NOAA logged 24 tornado, 142 large-hail and 165 flash-flood event reports in Pennsylvania in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.

Natural-hazard loss rank

#8

FEMA ranks Pennsylvania #8 of 51 for expected annual loss from natural hazards; flood accounts for 67% of that loss, and flood damage needs a separate flood policy.

  • Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
  • Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
  • Severe weather events, 2024: NOAA Storm Events Database, 2024
  • Natural-hazard loss rank: FEMA National Risk Index

Largest home insurers in Pennsylvania

The ten insurer groups that wrote the most home premium in Pennsylvania in 2025, with their share of the state total of $5.7 billion.

#Insurer groupMarket sharePremiums written
1State Farm Group18.5%$1.1 billion
2Erie Insurance Group16.71%$952 million
3Allstate Insurance Group12.71%$724 million
4Travelers Group7.65%$436 million
5Liberty Mutual Group7.14%$407 million
6Nationwide Corp Group5.23%$298 million
7United Services Automobile Association Group4.03%$230 million
8American Family Insurance Group2.79%$159 million
9Farmers Insurance Group2.78%$158 million
10Chubb Ltd Group2.57%$146 million

Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.

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