Cheapest home insurance carriers in Pittsburgh
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Pittsburgh averages about $1,074/yr (median of the carriers below: $920/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | Erie Insurance | $722/yr | Save $198 |
| 2 | NJM Insurance | $859/yr | Save $61 |
| 3 | USAA | $869/yr | Save $51 |
| 4 | Auto-Owners | $881/yr | Save $39 |
| 5 | Amica Mutual | $896/yr | Save $24 |
| 6 | Cincinnati Insurance | $945/yr | +$25 |
| 7 | Westfield Insurance | $945/yr | +$25 |
| 8 | Grange | $967/yr | +$47 |
| 9 | Farmers | $976/yr | +$56 |
| 10 | CSAA / AAA | $988/yr | +$68 |
Why home insurance costs what it does in Pittsburgh
Pittsburgh-area home insurance is priced mainly around flooding and winter weather. Pittsburgh sits near or below the Pennsylvania average, with river flooding, landslides, and winter storms the primary rate considerations.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a Pittsburgh-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all Pennsylvania home rates & carriers → · Who’s raising & cutting Pennsylvania home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled Pittsburgh offset to the Pennsylvania average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.