Compare home and auto insurance quotes in Pennsylvania

We’re Matic — a digital insurance marketplace that shops for affordable insurance in Pennsylvania. Find home and auto insurance in The Keystone State from our network of 40+ insurance carriers.
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What you need to know about home and auto insurance in Pennsylvania

Buying home insurance or auto insurance in Pennsylvania can be confusing, but Matic is here to help. Below, we answer some common questions about insurance in Pennsylvania, from the cost of insurance to requirements you need to know about and more.

Quick facts about Pennsylvania insurance

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Popular insurance companies in Pennsylvania

Home insurance

  • Travelers
  • Branch
  • Safeco
  • CSAA
  • Grange
  • Stillwater

Car insurance

  • Travelers
  • Branch
  • Clearcover
  • Safeco
  • Progressive/ASI
  • CSAA
Average cost of home insurance in Pennsylvania
$1,343 per year
Average home insurance Coverage A in Pennsylvania
Average home insurance deductible in Pennsylvania
Average cost of car insurance in Pennsylvania
$1,978 per year
Average car insurance deductible in Pennsylvania
$187 per term

Pennsylvania insurance requirements

Home insurance

Home insurance isn’t mandatory in Pennsylvania, but if you have a mortgage, your lender will likely require you to purchase a policy. A standard homeowners insurance policy typically includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Looking for home insurance in Pennsylvania? Get a quote here.

Car insurance

The state of Pennsylvania mandates that all drivers carry car insurance. Specifically, drivers must ensure they have liability coverage. This type of coverage protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $15,000 per person
  • $30,000 per accident

Minimum property damage requirements

  • $5,000 per accident

Additionally, there are optional auto insurance coverages which can provide more complete protection. Learn more about auto insurance coverage here.

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Searching for affordable Pennsylvania car insurance? Get a quote here.

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Superb selection of top carriers

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blue icon happy customersThousands of
happy customers

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on Google

green icon average savings$654 average savings
for Pennsylvania customers

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Why customers in Pennsylvania choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in Pennsylvania

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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Find home and auto insurance insurance in Pennsylvania today

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Methodology: Home and auto insurance premiums, Coverage A, and customer savings data is based on an average from a subset of Matic customers within the referenced US state and external carrier filings.