State College Insurance Rates:

State College, PA home insurance is roughly $650 to $887, about $54-$73/month. Our exhaustive research indicates shoppers can save upto $307 by comparing different quotes

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State College Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $50/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1010 sqft Rental Property Constructed In 1940 with Wood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1110/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Baths 3040 sqft Rental Property Constructed In 1996 with Stone Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2500 sqft Vacation Property Constructed In 1977 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $670/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

5 Beds, 5 Bath 1770 sqft Primary Residence Constructed In 1964 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2020 sqft Seasonal Residence Constructed In 1970 with Carpet Flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 1700 sqft Vacation Property Constructed In 1984 with Linoleum, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1470 sqft Rental Property Constructed In 1990 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1230/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $595,000

5 Beds, 5 Baths 4090 sqft Rental Property Constructed In 1991 with Linoleum, Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $510/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1470 sqft Seasonal Residence Constructed In 1946 with Linoleum, Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $250/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Bath 1790 sqft Vacation Property Constructed In 1961 with Hardwood Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1180/12 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 1668 sqft Rental Property Constructed In 1980 with Linoleum, Wood Shake Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

State College, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
16803 $241,900 $770
16801 $239,300 $780

State College Rates & Quotes Analysis:

State College Area Estimated House Insurance
Legion Ln, Pollock Rd, Waupelani Dr, E Nittany Ave, Hillcrest Ave, S Gill St, E Pollock Rd, Graduate Cir, Glenn Rd, Hart Cir$None
S Barnard St, W Mitchell Ave, W Branch Rd, Highlandon Ct, W Prospect Ave, Bayfield Ct, Ferguson Aly, S Glenn Cir, Arbor Way, Wintergreen Cir$793
Fry Dr, S Garner St, Suzy Cir, Hetzel St, W Beaver Ave, Grace St, Bigler Rd, W Foster Ave, S Garner St, I Aly$736
Kelly Aly, Ashwicken Ct N, Bayberry Dr, Country Club Rd, W South Hills Ave, Hiester St, Smithfield Cir, Colonial Ct, Westview Ave, Wheatfield Dr$756
Redgate Rd, Rosa Ln, W Foster Ave, Aikens Pl, Easterly Pkwy, Walnut Spring Ln, E South Hills Ave, Clay Ln, M Aly, T335$762

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,764 Homes (20% of total) built between 1970 to 1979 in State College are paying home insurance between $1,246-$1,258 compared to, Lemont (-$38) and College (-$23).
  • Bedrooms: 4,039 1 bedroom homes (32% of total homes ) in State College are paying about $500. Areas near to State College such as whereas Lemont and College are more economical by $15, $9 respectively for similar homes.
  • Auto Insurance Bundling: 187 Households (8% of all households) in State College have 3 or more vehicles available and when it is bundled with home insurance you can save $192. Discounts for similar bundling in close by locations such as Lemont, College, Park Forest Village come to $186, $188, $190 respectively.
  • Senior Discounts: 1,217 seniors (more than 55 years) occupied housing units (52% of total) in State College get discounts between $114 to $117 in contrast with Lemont ($111), College ($113), Park Forest Village ($114).
  • New Homes discounts: New homes such as the 3,989 homes built between 2000 to 2009 in State College can save $153 and differs from Lemont ($149), College ($150), Park Forest Village ($152).

State College Homeowners insurance Facts

  • State College, PA has 2,322 owner occupied houses which is 19.1% of all units whereas Lemont, College and Park Forest Village have 73.43%, 73.83% and 50.79% respectively.
  • State College, PA homeowners yearly insurance price at $769 is 0.3% of the typical house value of $259,100 which is in contrast with 0.37% in Lemont, 0.33% at College & 0.31% in Park Forest Village.
  • Homeowners in State College, PA pay 1.03% of their income ($75,000 or more) in insurance whereas homeowners in Lemont, College and Park Forest Village pay 0.99%, 1.01% and 1.02% respectively.
  • State College, PA’s insurance is 3.6% of monthly housing costs of $1,775/month, for owners with a mortgage compared to 4.36% in Lemont, 3.96% at College & 4.31% in Park Forest Village. But, for households without a mortgage, insurance is 10.9% of costs ($587 in State College, PA) in contrast with 10.93% in Lemont, 10.17% at College & 10.03% in Park Forest Village.

State College, PA Home Values & Insurance rates

For example, insurance for 446 Homes (22.0% of total homes ) valued between $300,000 to $399,999 in State College, PA is about $1,038.

State College, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 45 2.0% $69
$90,000 to $99,999 22 1.0% $276
$100,000 to $124,999 95 4.0% $322
$125,000 to $149,999 25 1.0% $407
$150,000 to $174,999 185 9.0% $476
$175,000 to $199,999 179 8.0% $553
$200,000 to $249,999 484 23.0% $669
$250,000 to $299,999 511 25.0% $815
$300,000 to $399,999 446 22.0% $1038

Renters Insurance in State College

  • Average Renters Insurance in State College :  $70($5/month)

  • Median Gross Rent in State College :  $897

  • State College Renters Insurance to Median Rent Ratio:  0.56%

  • Average household size of renter-occupied unit :  2.29

State College Renters Insurance as a Percentage of Rent

State College Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 626 6.0% $1217
$500 to $749 2,138 22.0% $1892
$750 to $999 3,081 32.0% $2642
$1,000 to $1,499 1,870 19.0% $3767
$1,500 or more 1,874 19.0% $5417

Rent Affordability in State College:

Approximately 68.0% (6,703) of households are spending more than 35% of their income on gross rent in State College

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 599 6.0%
15.0 to 19.9 percent 563 5.0%
20.0 to 24.9 percent 642 6.0%
25.0 to 29.9 percent 812 8.0%
30.0 to 34.9 percent 537 5.0%
35.0 percent or more 6,703 68.0%

State College Renters Insurance Discounts:

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

Number of Vehicles in State College, PA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,496 45.0% $7.0
2 vehicles available 1,949 19.0% $10.5
3 or more vehicles available 866 8.0% $14.0

Protective device discount in State College Up to :  $10

Claims-free discount in State College Up to :  $14