🏠 Home insurance cost in Philadelphia, PA (2027)
Estimated average: $1,932 per year — -16% vs. the U.S. average of $2,300.
With about 1,550,542 residents, Philadelphia is a major metro and the largest city in Pennsylvania. Home insurance rates here are estimated at $1,932 per year, above the Pennsylvania average of $1,725 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Philadelphia with other Pennsylvania cities.
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Philadelphia home insurance estimator
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Philadelphia home insurance FAQ
How much is home insurance in Philadelphia, PA?
The estimated average is $1,932 per year — above the state average (+12% vs. the Pennsylvania average of $1,725, and -16% vs. the U.S. average).
Is home insurance more expensive in Philadelphia than elsewhere in Pennsylvania?
Philadelphia has about 1,550,542 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Philadelphia?
Compare at least three quotes from insurers active in Philadelphia, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.