🏠 Home insurance cost in Philadelphia, PA (2026)
Estimated average: $1,932 per year — -16% vs. the U.S. average of $2,300.
$1,932
Est. home insurance in Philadelphia
per year
$1,725
Pennsylvania average
$2,300
U.S. average
1,550,542
Population
Estimate your home insurance in Philadelphia
Philadelphia home insurance estimator
Estimated$1,217/year
Starts from the Philadelphia estimate. Get quotes to confirm your price.
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.