Pennsylvania has 13,018,639 residents. We list 177 agencies for health insurance in Pennsylvania. Here is what the local numbers say about the cover people here need.

Pennsylvania at a glance

177health insurance agencies listed
30.7%of households rentRenters insurance
$254,500median home valueHome insurance
1965median year homes were builtRebuild cost calculator
10.4%of households have no carAuto insurance
3.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Pennsylvania

How many of Pennsylvania’s 67 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Lightning31 of 67 counties
Very High in Monroe County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Pennsylvania
Winter weather25 of 67 counties
Very High in Montgomery County, Philadelphia County, Lancaster County and 8 more.
Strong wind20 of 67 counties
Very High in Montgomery County.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Pennsylvania
Inland flooding15 of 67 counties
Very High in Philadelphia County, Allegheny County.
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state
Tornado6 of 67 counties
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Pennsylvania
Ice storm6 of 67 counties
Very High in Bucks County, Allegheny County.

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Pennsylvania

Pennsylvania requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $5,000 of property damage liability, often written 15/30/5. A combined single limit of $35,000 is accepted instead. It also requires medical benefits coverage ($5,000). Pennsylvania is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Pennsylvania How much liability cover do you need?

Source: pa.gov. Checked 2026-10-24.

Insurance companies Pennsylvania agencies work with

Of the 177 Pennsylvania agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare118 agencies
Medicare Advantage103 agencies
Aetna91 agencies
Centene73 agencies
Blue Cross Blue Shield50 agencies
Humana38 agencies
HealthSpring Life & Health Insurance Company,37 agencies
National Pacific Dental,36 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY35 agencies
Ameritas Life Insurance31 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Health insurance in Pennsylvania

All insurance agencies in Pennsylvania · Health insurance in every state

Where can I find health insurance in Pennsylvania?

Pick your city in the list on this page to see every agency there that offers health insurance, or search by name or ZIP code.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Pennsylvania agencies work with?

Among the 177 Pennsylvania agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (118), Medicare Advantage (103), Aetna (91), Centene (73), Blue Cross Blue Shield (50). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

For insurance agencies

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