Best & Cheapest Homeowners Insurance in Pittsburgh, PA April, 2024

Allstate provides the most affordable home insurance for homeowners in Pittsburgh, with an average yearly rate of $614.

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Bob Phillips
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In our detailed assessment of home insurance providers in Pittsburgh, Pennsylvania, Allstate is highlighted as the most budget-friendly option, offering an average annual rate of $614. However, it’s important to note that the ideal insurer for you may depend on your specific circumstances and needs.

For example, if your credit score is lower, Nationwide stands out as the most economical choice with an average annual premium of $1,163. Conversely, if your home is older, State Farm is a top contender with competitive rates of $927 per year and comprehensive coverage.

On the flip side, if you own a newly built home, Allstate provides the most cost-effective solution at $486 per year. And for individuals with a history of claims, State Farm offers an affordable and accommodating option at $1,248 annually.

Finally, if you have a significant amount of personal property that requires protection, USAA offers extensive coverage at a reasonable rate of $960 per year.

Our thorough analysis at Insuranceopedia aims to assist you in finding the perfect fit for your home insurance needs. Through comparing customer ratings, examining personal experiences, and presenting comparison charts, we strive to provide all the information necessary for you to make an informed decision.

How much is homeowners insurance in Pittsburgh, PA?

Allstate provides the lowest rate for homeowners insurance in Pittsburgh, with an annual cost of $614.

As shown below, the rates in Pittsburgh are lower than both the national average and the average rate in Pennsylvania.

Area Average Monthly Rate
National $1,820
Pennsylvania $1,368
Pittsburgh $892

It’s crucial to recognize that insurance rates are not uniform and can vary significantly based on various factors.

For example, your individual driving history is a key factor; having a record with traffic violations or accidents will likely result in higher premiums compared to a clean driving record. Additionally, the type and model of your vehicle are important considerations, as high-performance or luxury cars generally incur higher insurance costs.

Cheapest Homeowners Insurance in Pittsburgh, PA

Our Methodology

To determine the most affordable home insurance rates in Pittsburgh, we conducted an analysis using data from multiple home insurance review sites. Some of these sites obtained rates from public filings provided by Quadrant Information Services. The average of these rates has been used for this review. However, it's important to note that each company's rates are subject to frequent changes and will vary based on your specific circumstances. Additionally, our overall rating also considers my subjective opinion, which is based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

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Quotes Analyzed

15+

Years Of Industry Experience

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Brands Reviewed

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Research Hours

Cheapest homeowners insurance in Pittsburgh, PA

Overall, Allstate is the most affordable choice for homeowners insurance in Pittsburgh, PA, with an average annual rate of $614.

Company Annual Premium
Allstate $614
USAA $920
Chubb $966
Nationwide $980
State Farm $1,321

Your insurance policy cost is determined by various factors such as your location, the value of your home, and your claims history. Allstate provides a good balance of affordability and comprehensive coverage, making it a suitable option for many homeowners.

Cheapest Homeowners Insurance If You Have Poor Credit

If you have a poor credit score, Nationwide offers the most budget-friendly option, with an average annual rate of $1,163.

Insurance Company Average Annual Premium
Nationwide $1,163
USAA $1,510
State Farm $1,986
Allstate $2,320
Chubb $3,594

Your credit score plays a crucial role in determining your insurance rates as it is a major factor considered by insurers when assessing risk. Nationwide recognizes the importance of providing fair coverage to everyone, regardless of their financial history.

Cheapest Homeowners Insurance In Pittsburgh If You Have an Older Home

State Farm provides the most affordable rates for those with older homes, averaging $927 per year.

Insurance Company Average Annual Premium
State Farm $927
Nationwide $1,172
Progressive $1,242
Chubb $1,405
Travelers $4,156

Older homes typically present unique risks and maintenance challenges that can lead to higher insurance costs. State Farm addresses these concerns by offering competitive rates and comprehensive coverage specifically designed to meet the needs of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you own a newly constructed home, Allstate provides the most cost-effective option, with an average annual rate of $486.

Insurance Company Average Annual Premium
Allstate $486
USAA $642
Travelers $710
Nationwide $871
State Farm $996

Newly constructed homes typically require different coverage compared to older homes, and Allstate excels in offering affordable policies specifically tailored to these unique needs.

Cheapest Home Insurance In Pittsburgh for a History of Claims

For homeowners with a history of claims, State Farm offers an affordable solution, with an average annual rate of $1,248.

Insurance Company Average Annual Premium
State farm $1,248
Farmers $1,686
Chubb $2,439
Nationwide $2,760
Travelers $4,524

Having a history of claims can be a concern for insurers and may result in higher premiums. However, State Farm believes in giving second chances and provides reasonable rates for individuals with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you possess a significant amount of personal property, USAA provides the most affordable rates, averaging $960 per year.

Insurance Company Average Annual Premium
USAA $960
Travelers $1,078
Nationwide $1,091
Chubb $1,235
State Farm $1,366

As your personal property increases, so do your coverage needs, which can lead to higher premiums. USAA offers comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected.

Best Homeowners Insurance Companies in Pittsburgh, PA

Selecting the right homeowners insurance isn’t just about necessity; it’s a strategic choice. Pittsburgh homes, with their rich history, are as unique as the residents themselves. Hence, finding an insurance provider that offers comprehensive coverage at competitive rates is crucial.

To simplify your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Pittsburgh, PA. These companies have been evaluated based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Review our comparison chart below to discover the ideal match for your home insurance requirements.

Company Annual Premium
Allstate $614
USAA $920
Chubb $966
Penn National $917
Nationwide $980
State Farm $1,321
Progressive $1,247
Travelers $3,299

Average Home Insurance Rates by Zip Codes

The price of home insurance in Pittsburgh, PA can change a lot depending on the zip code. Here are tables that show the rates for various zip codes in Pittsburgh, including the five least expensive and most expensive zip codes for yearly home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
15235 $1,164
15212 $1,215
15206 $1,209
15228 $1,117
15205 $1,172
15217 $1,451

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
15290 $1,036
15208 $1,059
15272 $1,045
15213 $1,044
15204 $1,072

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
15212 $1,215
15233 $1,240
15207 $1,225
15210 $1,198
15203 $1,214

Average Home Insurance Rates in Pittsburgh, PA by Deductible Amount

The deductible amount selected for a homeowners insurance policy has a substantial impact on premium rates in Pittsburgh, PA. Here’s how the average rates for home insurance vary with different deductible amounts across insurers:

Deductible Average annual cost
$500 $1,169
$1,000 $1,217
$1,500 $1,147
$2,000 $946
$5,000 $897

Average Home Insurance Rates in Pittsburgh, PA By Coverage Amount

One crucial factor that affects your premium is the dwelling coverage amount, which represents the maximum sum your insurance provider will pay to rebuild or repair your home in case of damage or destruction.

Let’s delve into a comparison chart illustrating the average annual premiums for various dwelling coverage amounts in homeowners insurance.

Dwelling Coverage Amount Average Annual Premium
$100,000 $563
$200,000 $847
$300,000 $1,144
$400,000 $1,456
$500,000 $1,820

Average Home Insurance Rates in Pittsburgh, PA by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Pittsburgh:

Company Annual Premium
Allstate $614
USAA $920
Chubb $966
Penn National $917
Nationwide $980
State Farm $1,321
Progressive $1,247
Travelers $3,299

How Much is Homeowners Insurance for Other Cities in Pennsylvania?

Below is a detailed comparison table that displays the most affordable companies and their yearly premiums in different cities throughout Pennsylvania.

City Annual Premium
Allentown $644
Philadelphia $1,546
Lansdowne $1,014
Gettysburg $653

Getting Online Homeowners Insurance Quotes in Pennsylvania

Websites like Insuranceopedia make it easy to find the best coverage for your specific needs. By offering fast online quotes from top-rated insurers, Insuranceopedia allows you to compare rates quickly.

Simply enter your information, and we’ll handle the rest, presenting you with a variety of options customized to your needs. This way, you can select a policy that provides excellent value, striking a balance between cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in Pittsburgh, PA?

Allstate offers the most affordable home insurance in Pittsburgh, Pennsylvania, with an annual premium of $614.

 

What is the average cost of home insurance in Pittsburgh, PA?

The typical expense for homeowners insurance in Pittsburgh, Pennsylvania, amounts to about $892 annually.

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