Average insurance rates across 149 cities in Pennsylvania
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Philadelphia | 1,603,797 | $1,650 | $1,980 | $558/mo | $18/mo |
| Allentown | 627,863 | $1,545 | $1,854 | $552/mo | $16/mo |
| Harrisburg | 498,329 | $1,545 | $1,854 | $552/mo | $16/mo |
| Lancaster | 402,476 | $1,545 | $1,854 | $552/mo | $16/mo |
| Scranton | 366,334 | $1,545 | $1,854 | $552/mo | $16/mo |
| Pittsburgh | 302,971 | $1,440 | $1,728 | $547/mo | $15/mo |
| Reading | 272,712 | $1,545 | $1,854 | $552/mo | $16/mo |
| York | 247,176 | $1,545 | $1,854 | $552/mo | $16/mo |
| Erie | 185,556 | $1,545 | $1,854 | $552/mo | $16/mo |
| State College | 83,170 | $1,545 | $1,854 | $552/mo | $16/mo |
| Lebanon | 78,147 | $1,545 | $1,854 | $552/mo | $16/mo |
| Bethlehem | 76,555 | $1,545 | $1,854 | $552/mo | $16/mo |
| Altoona | 72,348 | $1,545 | $1,854 | $552/mo | $16/mo |
| Levittown | 51,152 | $1,545 | $1,854 | $552/mo | $16/mo |
| Wilkes-Barre | 44,123 | $1,545 | $1,854 | $552/mo | $16/mo |
Pennsylvania residents pay an average of $1,500 per year for home insurance and $1,800 for auto insurance. As a no-fault state, Pennsylvania requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 15/30/5.
Health insurance in Pennsylvania averages $550 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Pennsylvania include Erie Insurance, State Farm, Allstate.
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Policygenius The ZebraThe average home insurance cost in Pennsylvania is $1,500 per year. Rates range from $950 to $2,200 depending on home value, location, and coverage level.
Auto insurance in Pennsylvania averages $1,800 per year for full coverage. The state minimum coverage is 15/30/5. As a no-fault state, PIP coverage is also required.
Pennsylvania has below-average insurance costs, with home insurance at $1,500/yr and auto at $1,800/yr compared to national averages of $2,300 and $1,800 respectively.
Pennsylvania requires minimum liability coverage of 15/30/5 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.