Pennsylvania Homeowners Pay Some of the Lowest Insurance Costs In The Country, Even Though Neighbors Pay The Highest

"Pennsylvania homeowners pay some of the lowest home insurance premiums in the country, even as costs continue to climb in many parts of the U.S. While coastal and climate-exposed states grapple with steep increases, new data from the U.S. Census Bureau and the 2025 Climate Risk Report show that Pennsylvania households remain largely shielded from the affordability crisis. Pennsylvania's Insurance Costs Stay Affordable According to the American Community Survey (ACS) data from the U.S. Census Bureau,"

"Pennsylvania has 3,713,956 insured homeowner households in total-2,106,687 with a mortgage and 1,607,269 without. Among mortgaged owners, 188,610 pay less than $100 annually and 69,529 pay $4,000 or more. Among those without a mortgage, 252,840 pay less than $100 and 37,955 pay $4,000 or more. Compared with nearby states, Pennsylvania is among the most affordable. New York and New Jersey homeowners with a mortgage typically pay $1,000-$1,499, aligning closely with Pennsylvania."

Pennsylvania homeowners with a mortgage typically pay $1,000–$1,499 annually for homeowners insurance, while homeowners without a mortgage average $800–$999. Overall statewide costs fall into the $800–$999 range. The state has 3,713,956 insured homeowner households, including 2,106,687 with a mortgage and 1,607,269 without. Small shares pay extreme amounts: 188,610 mortgaged owners pay under $100 and 69,529 pay $4,000 or more; 252,840 non-mortgaged owners pay under $100 and 37,955 pay $4,000 or more. Nearby New York and New Jersey align with Pennsylvania, while Connecticut and Massachusetts are notably higher.

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