Pennsylvania Homeowners Pay Less for Insurance, Says Realtor.com

While home insurance costs continue to climb elsewhere in the country, Pennsylvania homeowners pay some of the lowest premiums, says Realtor.com. 

“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,” the Realtor.com team writes.  

Data shows that Pennsylvania homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, and those without a mortgage pay an average of $800-$999.  

The breakdown of insured homeowners in Pennsylvania is as follows: 

• Number of insured homeowner households: 3,713,956 
  • With a mortgage: 2,106,687
  • Without a mortgage: 1,607,269 

“Among mortgaged owners, 188,610 pay less than $100 annually, and 69,529 pay $4,000 or more,” Realtor.com notes. “Among those without a mortgage, 252,840 pay less than $100, and 37,955 pay $4,000 or more.” 

Neighboring states like New York, New Jersey and Maryland are relatively on par with Pennsylvania, but states farther north like Connecticut and Massachusetts average $1,500-$1,9999 for mortgaged households. 

Various factors play a role in Pennsylvania’s relatively low insurance costs – namely, the state’s lower risk of climate disasters. The state is not highlighted for flood, hurricane or wildfire risks. Although it is true that parts of Pennsylvania face localized flooding and severe storms, these hazards haven’t had a significant effect on premiums. 

“For Pennsylvania households, relatively low homeowners insurance costs provide stability compared with national hot spots,” Realtor.com notes. “Still, with climate risks intensifying across the U.S., residents may want to use a home insurance comparison tool to evaluate coverage options. While Pennsylvania currently enjoys an affordability advantage, pressures from rising risks could make insurance more costly in the years ahead.”