Scranton Insurance Rates:

Scranton, PA home insurance is approximately $597 to $810, about $49-$67/month. Our exhaustive analysis reveals consumers can save as much as $281 by getting different quotes

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Scranton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $190/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 2120 sqft Vacation Property Constructed In 1945 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1250 sqft Rental Property Constructed In 1950 with Carpet Flooring, Metal Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $600/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Bath 3190 sqft Rental Property Constructed In 1941 with Carpet Flooring, Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $500/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Baths 2520 sqft Seasonal Residence Constructed In 1951 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $340/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2880 sqft Vacation Property Constructed In 1950 with Stone Flooring, Tile Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $50/2 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Bath 960 sqft Vacation Property Constructed In 1948 with Stone Flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $380/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Bath 4550 sqft Seasonal Residence Constructed In 1950 with Stone Flooring, Tile Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Divorced Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 1020 sqft Vacation Property Constructed In 1951 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1620 sqft Rental Property Constructed In 1950 with Linoleum, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $30/1 month for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Baths 1537 sqft Primary Residence Constructed In 1930 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Scranton, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
18508 $92,800 $700
18503 $46,800 $680
18509 $155,500 $740
18510 $117,000 $710
18505 $114,400 $710
18504 $110,900 $710

Scranton Rates & Quotes Analysis:

Scranton Area Estimated House Insurance
Robb Pl, Euclid Ave, Roberts Ct, George Ave, Oliver Ct, Hawthorne St, Townhouse Blvd, Scranton-Pocono Hwy, Barrett Ct, Mulberry St$706
Lookout Dr, Lee Ct, N Fillmore Ave, Schimpf Ct, Dorothy St, Prescott Pl, Kelly Ave, E Corey St, Back St, Gerard Ave$726
Park Dr, Wales St, Rockwell Ave, Acker Ave, Quinnan Ct, Kolb Ct, Little Spike Way, Smith Pl, Acker Ave, Crown Ave$689
Carver Pl, Schimpf Ct, E Gibson St, Barry Pl, S Keastner Ct, Ripple St, Stewart Ct, Saint Ann St, Evans Ct, Forest Ct$702
Fairview Ave, N Cameron Ave, Morgan Ct, Bengar Dr, Raymond Ct, Cliff Ave, Jones Ct, N Horatio Ave, Lake Scranton Rd, Lauer Ave$728

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,083 Homes (58% of total) built between 1939 or earlier in Scranton are paying home insurance between $1,505-$1,516 and varies from Dunmore (+$47), Lackawanna County (+$32), Moosic (+$39), Avoca (-$14) and Dupont (-$16).
  • Bedrooms: 13,045 3 bedrooms homes (38% of total homes ) in Scranton are paying about $613 and varies from Dunmore (+$11), Lackawanna County (+$6), Moosic (+$9), Taylor (-$3) and Avoca (-$5).
  • Auto Insurance Bundling: 2,687 Households (17% of all households) in Scranton have 3 or more vehicles available and when it is bundled with home insurance you can save $176 compared to Taylor ($175), Dunmore ($181), Lackawanna County ($179).
  • Senior Discounts: 8,682 seniors (more than 55 years) occupied housing units (54% of total) in Scranton get discounts between $105 to $107 compared to Taylor ($105), Dunmore ($108), Lackawanna County ($107).
  • New Homes discounts: New homes such as the 4,497 homes built between 2000 to 2009 in Scranton can save $140 and varies from Taylor ($140), Dunmore ($145), Lackawanna County ($143).

Scranton Homeowners insurance Facts

  • Scranton, PA has 15,790 owner occupied houses which is 53.2% of all units whereas Taylor, Dunmore and Lackawanna County have 72.6%, 55.09% and 66.82% respectively.
  • Scranton, PA homeowners yearly insurance price at $704 is 0.65% of the typical house value of $108,300 which is in contrast with 0.69% in Taylor, 0.46% at Dunmore & 0.5% in Lackawanna County.
  • Homeowners in Scranton, PA pay 1.66% of their income ($40,000 to $44,999) in insurance whereas homeowners in Taylor, Dunmore and Lackawanna County pay 1.65%, 1.71% and 1.69% respectively.
  • Scranton, PA’s insurance is 4.8% of monthly housing costs of $1,218/month, for owners with a mortgage compared to 5.01% in Taylor, 4.41% at Dunmore & 4.48% in Lackawanna County. But, for households without a mortgage, insurance is 11.2% of costs ($522 in Scranton, PA) in contrast with 11.68% in Taylor, 11.13% at Dunmore & 11.48% in Lackawanna County.

Scranton, PA Home Values & Insurance rates

For example, insurance for 326 Homes (2.0% of total homes ) valued between $300,000 to $399,999 in Scranton, PA is about $2,273. Rates in nearby areas in such as Dunmore, Lackawanna County, Moosic are cheaper by $671, $534, $618 respectively while Avoca and Inkerman are costlier by $323 and $340 respectively for similar homes.

Scranton, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,028 6.0% $161
$50,000 to $59,999 757 4.0% $337
$60,000 to $69,999 872 5.0% $422
$70,000 to $79,999 1,169 7.0% $485
$80,000 to $89,999 1,526 9.0% $549
$90,000 to $99,999 1,729 11.0% $612
$100,000 to $124,999 2,465 15.0% $711
$125,000 to $149,999 1,467 9.0% $887
$150,000 to $174,999 1,562 10.0% $1056
$175,000 to $199,999 1,010 6.0% $1217
$200,000 to $249,999 1,032 6.0% $1464
$250,000 to $299,999 586 3.0% $1788
$300,000 to $399,999 326 2.0% $2273

Renters Insurance in Scranton

  • Average Renters Insurance in Scranton :  $204($17/month)

  • Median Gross Rent in Scranton :  $660

  • Scranton Renters Insurance to Median Rent Ratio:  2.58%

  • Renter occupied housing units in Scranton :  13,904

Scranton Renters Insurance as a Percentage of Rent

Scranton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 450 3.0% $351
$200 to $299 836 6.0% $801
$300 to $499 1,689 13.0% $1251
$500 to $749 5,453 42.0% $1926
$750 to $999 2,986 23.0% $2676
$1,000 to $1,499 1,260 9.0% $3801
$1,500 or more 289 2.0% $5451

Rent Affordability in Scranton:

Approximately 44.0% (6,170) of households are spending more than 35% of their income on gross rent in Scranton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,837 13.0%
15.0 to 19.9 percent 1,642 11.0%
20.0 to 24.9 percent 1,636 11.0%
25.0 to 29.9 percent 1,628 11.0%
30.0 to 34.9 percent 991 7.0%
35.0 percent or more 6,170 44.0%

Scranton Renters Insurance Discounts:

Scranton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Scranton, PA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,068 50.0% $20.4
2 vehicles available 2,326 16.0% $30.6
3 or more vehicles available 872 6.0% $40.8

Scranton Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,123 8.0% $66
60 to 64 years 1,127 8.0% $52
65 to 74 years 1,165 8.0% $42
75 years and over 1,889 13.0% $33

Protective device discount in Scranton Up to :  $30

Claims-free discount in Scranton Up to :  $40