Pennsylvania

Auto and home insurance in Pennsylvania

State auto minimums, homeowners premium averages, and city guides for Pennsylvania households. A quote is not a binder.

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69% of Pennsylvania households own their home, the median owner-occupied home is valued at $254,500, and 68% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Pennsylvania families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

Pennsylvania auto insurance requirements

Pennsylvania requires liability limits of at least 15/30/5 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: first-party medical benefits $5,000. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in Pennsylvania

The NAIC's 2023 average HO-3 premium in Pennsylvania was $1,217, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amountPennsylvania average HO-3 premium (2023)Countrywide average
Under $150,000$519$954
$150,000–$199,999$759$1,192
$200,000–$224,999$832$1,282
$225,000–$249,999$894$1,297
$250,000–$274,999$953$1,350
$275,000–$299,999$989$1,414
$300,000–$324,999$1,059$1,475
$325,000–$349,999$1,104$1,492
$350,000–$399,999$1,177$1,598
$400,000–$449,999$1,280$1,679
$450,000–$499,999$1,389$1,825
$500,000–$599,999$1,544$1,973
$600,000–$699,999$1,758$2,249
$700,000–$999,999$2,303$2,916
$1,000,000 and over$3,546$4,314
All amounts (state average)$1,217$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How Pennsylvania drives

Statewide, 68% of workers drive alone, 8% carpool, and 16% work from home. 16% commute 45 minutes or more, and 19% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a Pennsylvania auto and home quote

  1. Driving records and the number of drivers and vehicles.
  2. Mileage and garaging, including commute length.
  3. Rebuild cost and the age of the roof and home systems.
  4. Local losses, especially winter ice and potholes and deer collisions.
  5. Deductibles and limits on both policies.
  6. Claims history and other rating factors allowed in Pennsylvania.
  7. Discounts such as multi-policy, multi-car, and protective devices.

City guides for Pennsylvania

Guides

More Pennsylvania communities

We accept quote requests from anywhere in Pennsylvania. Other cities and towns, listed by county:

  • Adams County — Abbottstown; Arendtsville; Bendersville; Biglerville; Bonneauville; Carroll Valley; East Berlin; Fairfield; Gettysburg; Littlestown; McSherrystown; New Oxford; York Springs
  • Allegheny County — Aspinwall; Avalon; Bell Acres; Bellevue; Ben Avon; Ben Avon Heights; Blawnox; Brackenridge; Braddock; Braddock Hills; Bradford Woods; Brentwood; Bridgeville; Carnegie; Castle Shannon; Chalfant; Cheswick; Churchill; Clairton; Coraopolis; Crafton; Dormont; Dravosburg; Duquesne; East McKeesport; East Pittsburgh; Edgewood; Edgeworth; Elizabeth; Emsworth; Etna; Forest Hills; Fox Chapel; Franklin Park; Glassport; Glen Osborne; Glenfield; Green Tree; Haysville; Heidelberg; Homestead; Ingram; Jefferson Hills; Leetsdale; Liberty; Lincoln; McKees Rocks; McKeesport; Millvale; Mount Oliver; Munhall; North Braddock; Oakdale; Oakmont; Pennsbury Village; Pitcairn; Pleasant Hills; Port Vue; Rankin; Rosslyn Farms; Sewickley; Sewickley Heights; Sewickley Hills; Sharpsburg; Springdale; Swissvale; Tarentum; Thornburg; Turtle Creek; Verona; Versailles; Wall; West Elizabeth; West Homestead; West Mifflin; West View; Whitaker; White Oak; Whitehall; Wilkinsburg; Wilmerding
  • Armstrong County — Apollo; Applewold; Atwood; Dayton; Elderton; Ford City; Ford Cliff; Freeport; Kittanning; Leechburg; Manorville; North Apollo; Parker; Rural Valley; South Bethlehem; West Kittanning; Worthington
  • Beaver County — Aliquippa; Ambridge; Baden; Beaver; Beaver Falls; Big Beaver; Bridgewater; Conway; Darlington; East Rochester; Eastvale; Economy; Fallston; Frankfort Springs; Freedom; Georgetown; Glasgow; Homewood; Hookstown; Industry; Koppel; Midland; Monaca; New Brighton; New Galilee; Ohioville; Patterson Heights; Rochester; Shippingport; South Heights; West Mayfield
  • Bedford County — Bedford; Everett; Hopewell; Hyndman; Manns Choice; New Paris; Rainsburg; Saxton; Schellsburg; St. Clairsville; Woodbury
  • Berks County — Bally; Bechtelsville; Bernville; Birdsboro; Boyertown; Centerport; Fleetwood; Hamburg; Kenhorst; Kutztown; Laureldale; Leesport; Lenhartsville; Lyons; Mohnton; Mount Penn; New Morgan; Robesonia; Shillington; Shoemakersville; Sinking Spring; St. Lawrence; Topton; Wernersville; West Reading; Womelsdorf; Wyomissing
  • Blair County — Bellwood; Duncansville; Hollidaysburg; Martinsburg; Newry; Roaring Spring; Tyrone; Williamsburg
  • Bradford County — Alba; Athens; Burlington; Canton; LeRaysville; Monroe; New Albany; Rome; Sayre; South Waverly; Sylvania; Towanda; Troy; Wyalusing
  • Bucks County — Bristol; Chalfont; Doylestown; Dublin; Hulmeville; Ivyland; Langhorne; Langhorne Manor; Morrisville; New Britain; New Hope; Newtown; Penndel; Perkasie; Quakertown; Richlandtown; Riegelsville; Sellersville; Silverdale; Trumbauersville; Tullytown; Yardley
  • Butler County — Bruin; Butler; Callery; Cherry Valley; Chicora; Connoquenessing; East Butler; Eau Claire; Evans City; Fairview; Harmony; Harrisville; Karns City; Mars; Petrolia; Portersville; Prospect; Saxonburg; Seven Fields; Slippery Rock; Valencia; West Liberty; West Sunbury; Zelienople
  • Cambria County — Ashville; Brownstown; Carrolltown; Cassandra; Chest Springs; Cresson; Daisytown; Dale; East Conemaugh; Ebensburg; Ehrenfeld; Ferndale; Gallitzin; Geistown; Hastings; Johnstown; Lilly; Lorain; Loretto; Nanty-Glo; Northern Cambria; Patton; Portage; Sankertown; Scalp Level; South Fork; Southmont; Summerhill; Tunnelhill; Vintondale; Westmont; Wilmore
  • Cameron County — Driftwood; Emporium
  • Carbon County — Beaver Meadows; Bowmanstown; East Side; Jim Thorpe; Lansford; Lehighton; Nesquehoning; Palmerton; Parryville; Summit Hill; Weatherly; Weissport
  • Centre County — Bellefonte; Centre Hall; Howard; Milesburg; Millheim; Philipsburg; Port Matilda; Snow Shoe; Unionville
  • Chester County — Atglen; Avondale; Coatesville; Downingtown; Elverson; Honey Brook; Kennett Square; Malvern; Modena; Oxford; Parkesburg; South Coatesville; Spring City; West Grove
  • Clarion County — Callensburg; Clarion; East Brady; Foxburg; Hawthorn; Knox; New Bethlehem; Rimersburg; Shippenville; Sligo; St. Petersburg; Strattanville
  • Clearfield County — Brisbin; Burnside; Chester Hill; Clearfield; Coalport; Curwensville; DuBois; Glen Hope; Grampian; Houtzdale; Irvona; Mahaffey; New Washington; Osceola Mills; Ramey; Troutville; Wallaceton; Westover
  • Clinton County — Avis; Beech Creek; Flemington; Lock Haven; Loganton; Mill Hall; Renovo; South Renovo
  • Columbia County — Benton; Berwick; Bloomsburg; Briar Creek; Catawissa; Centralia; Millville; Orangeville; Stillwater
  • Crawford County — Blooming Valley; Cambridge Springs; Cochranton; Conneaut Lake; Conneautville; Hydetown; Linesville; Meadville; Saegertown; Spartansburg; Springboro; Titusville; Townville; Venango; Woodcock
  • Cumberland County — Camp Hill; Lemoyne; Mechanicsburg; Mount Holly Springs; New Cumberland; Newburg; Newville; Shippensburg; Shiremanstown; Wormleysburg
  • Dauphin County — Berrysburg; Dauphin; Elizabethville; Gratz; Halifax; Highspire; Hummelstown; Lykens; Middletown; Millersburg; Paxtang; Penbrook; Pillow; Royalton; Steelton; Williamstown
  • Delaware County — Aldan; Brookhaven; Chester Heights; Clifton Heights; Collingdale; Colwyn; Darby; East Lansdowne; Eddystone; Folcroft; Glenolden; Lansdowne; Marcus Hook; Media; Millbourne; Morton; Norwood; Parkside; Prospect Park; Ridley Park; Rose Valley; Rutledge; Sharon Hill; Swarthmore; Trainer; Upland; Yeadon
  • Elk County — Johnsonburg; Ridgway; St. Marys
  • Erie County — Albion; Corry; Cranesville; Edinboro; Elgin; Girard; Lake City; McKean; Mill Village; North East; Platea; Union City; Waterford; Wattsburg; Wesleyville
  • Fayette County — Belle Vernon; Brownsville; Connellsville; Dawson; Dunbar; Everson; Fairchance; Fayette City; Markleysburg; Masontown; Newell; Ohiopyle; Perryopolis; Point Marion; Smithfield; South Connellsville; Uniontown; Vanderbilt
  • Forest County — Tionesta
  • Franklin County — Greencastle; Mercersburg; Mont Alto; Orrstown; Waynesboro
  • Fulton County — McConnellsburg; Valley-Hi
  • Greene County — Carmichaels; Clarksville; Greensboro; Rices Landing; Waynesburg
  • Huntingdon County — Alexandria; Birmingham; Broad Top City; Cassville; Coalmont; Dudley; Huntingdon; Mapleton; Marklesburg; Mill Creek; Mount Union; Orbisonia; Petersburg; Rockhill; Saltillo; Shade Gap; Shirleysburg; Three Springs
  • Indiana County — Armagh; Blairsville; Cherry Tree; Clymer; Creekside; Ernest; Glen Campbell; Homer City; Indiana; Marion Center; Plumville; Saltsburg; Shelocta; Smicksburg
  • Jefferson County — Big Run; Brockway; Brookville; Corsica; Falls Creek; Punxsutawney; Reynoldsville; Summerville; Sykesville; Timblin; Worthville
  • Juniata County — Mifflin; Mifflintown; Port Royal; Thompsontown
  • Lackawanna County — Archbald; Blakely; Carbondale; Clarks Green; Clarks Summit; Dalton; Dickson City; Dunmore; Jermyn; Jessup; Mayfield; Moosic; Moscow; Old Forge; Olyphant; Taylor; Throop; Vandling
  • Lancaster County — Adamstown; Akron; Christiana; Columbia; Denver; East Petersburg; Elizabethtown; Ephrata; Lititz; Manheim; Marietta; Millersville; Mount Joy; Mountville; New Holland; Quarryville; Strasburg; Terre Hill
  • Lawrence County — Bessemer; Ellport; Ellwood City; Enon Valley; New Beaver; New Wilmington; S.N.P.J.; South New Castle; Volant; Wampum
  • Lebanon County — Cleona; Cornwall; Jonestown; Mount Gretna; Myerstown; Palmyra; Richland
  • Lehigh County — Alburtis; Catasauqua; Coopersburg; Coplay; Emmaus; Fountain Hill; Macungie; Slatington
  • Luzerne County — Ashley; Avoca; Bear Creek Village; Conyngham; Courtdale; Dallas; Dupont; Duryea; Edwardsville; Exeter; Forty Fort; Freeland; Harveys Lake; Hughestown; Jeddo; Kingston; Laflin; Larksville; Laurel Run; Luzerne; Nanticoke; Nescopeck; New Columbus; Nuangola; Penn Lake Park; Pittston; Plymouth; Pringle; Shickshinny; Sugar Notch; Swoyersville; Warrior Run; West Hazleton; West Pittston; West Wyoming; White Haven; Wyoming; Yatesville
  • Lycoming County — Duboistown; Hughesville; Jersey Shore; Montgomery; Montoursville; Muncy; Picture Rocks; Salladasburg; South Williamsport
  • Mckean County — Bradford; Eldred; Kane; Lewis Run; Mount Jewett; Port Allegany; Smethport
  • Mercer County — Clark; Farrell; Fredonia; Greenville; Grove City; Hermitage; Jackson Center; Jamestown; Mercer; New Lebanon; Sandy Lake; Sharon; Sharpsville; Sheakleyville; Stoneboro; West Middlesex; Wheatland
  • Mifflin County — Burnham; Juniata Terrace; Kistler; Lewistown; McVeytown; Newton Hamilton
  • Monroe County — Delaware Water Gap; East Stroudsburg; Mount Pocono; Stroudsburg
  • Montgomery County — Ambler; Bridgeport; Bryn Athyn; Collegeville; Conshohocken; East Greenville; Green Lane; Hatboro; Hatfield; Jenkintown; Lansdale; Narberth; North Wales; Pennsburg; Red Hill; Rockledge; Royersford; Schwenksville; Souderton; Telford; Trappe; West Conshohocken
  • Montour County — Danville; Washingtonville
  • Northampton County — Bangor; Bath; Chapman; East Bangor; Freemansburg; Glendon; Hellertown; Nazareth; North Catasauqua; Northampton; Pen Argyl; Portland; Roseto; Stockertown; Tatamy; Walnutport; West Easton; Wilson; Wind Gap
  • Northumberland County — Herndon; Kulpmont; Marion Heights; McEwensville; Milton; Mount Carmel; Northumberland; Riverside; Shamokin; Snydertown; Sunbury; Turbotville; Watsontown
  • Perry County — Blain; Bloomfield; Duncannon; Landisburg; Liverpool; Marysville; Millerstown; New Buffalo; Newport
  • Pike County — Matamoras; Milford
  • Potter County — Austin; Coudersport; Galeton; Oswayo; Shinglehouse; Ulysses
  • Schuylkill County — Ashland; Auburn; Coaldale; Cressona; Deer Lake; Frackville; Gilberton; Girardville; Gordon; Landingville; Mahanoy City; McAdoo; Mechanicsville; Middleport; Minersville; Mount Carbon; New Philadelphia; New Ringgold; Orwigsburg; Palo Alto; Pine Grove; Port Carbon; Port Clinton; Pottsville; Ringtown; Schuylkill Haven; Shenandoah; St. Clair; Tamaqua; Tower City; Tremont
  • Snyder County — Beavertown; Freeburg; McClure; Middleburg; Selinsgrove; Shamokin Dam
  • Somerset County — Addison; Benson; Berlin; Boswell; Callimont; Casselman; Central City; Confluence; Garrett; Hooversville; Indian Lake; Jennerstown; Meyersdale; New Baltimore; New Centerville; Paint; Rockwood; Salisbury; Seven Springs; Shanksville; Somerset; Stoystown; Ursina; Wellersburg; Windber
  • Sullivan County — Dushore; Eagles Mere; Forksville; Laporte
  • Susquehanna County — Forest City; Friendsville; Great Bend; Hallstead; Hop Bottom; Lanesboro; Little Meadows; Montrose; New Milford; Oakland; Susquehanna Depot; Thompson; Union Dale
  • Tioga County — Blossburg; Elkland; Knoxville; Lawrenceville; Mansfield; Roseville; Tioga; Wellsboro; Westfield
  • Union County — Hartleton; Lewisburg; Mifflinburg; New Berlin
  • Venango County — Barkeyville; Clintonville; Cooperstown; Emlenton; Franklin; Oil City; Pleasantville; Polk; Rouseville; Sugarcreek; Utica
  • Warren County — Bear Lake; Clarendon; Sugar Grove; Tidioute; Warren; Youngsville
  • Washington County — Allenport; Beallsville; Bentleyville; Burgettstown; Canonsburg; Centerville; Charleroi; Claysville; Coal Center; Cokeburg; Deemston; Donora; Dunlevy; East Washington; Elco; Ellsworth; Finleyville; Green Hills; Houston; Long Branch; Marianna; McDonald; Midway; Monongahela; New Eagle; North Charleroi; Roscoe; Speers; Stockdale; Twilight; Washington; West Brownsville; West Middletown
  • Wayne County — Bethany; Hawley; Honesdale; Prompton; Starrucca; Waymart
  • Westmoreland County — Adamsburg; Arnold; Arona; Avonmore; Bolivar; Delmont; Derry; Donegal; East Vandergrift; Export; Greensburg; Hunker; Hyde Park; Irwin; Jeannette; Latrobe; Laurel Mountain; Ligonier; Lower Burrell; Madison; Manor; Monessen; Mount Pleasant; New Alexandria; New Florence; New Kensington; New Stanton; North Belle Vernon; North Irwin; Oklahoma; Penn; Scottdale; Seward; Smithton; South Greensburg; Southwest Greensburg; Sutersville; Trafford; Vandergrift; West Leechburg; West Newton; Youngstown; Youngwood
  • Wyoming County — Factoryville; Laceyville; Meshoppen; Nicholson; Tunkhannock
  • York County — Cross Roads; Dallastown; Delta; Dillsburg; Dover; East Prospect; Fawn Grove; Felton; Franklintown; Glen Rock; Goldsboro; Hallam; Hanover; Jacobus; Jefferson; Lewisberry; Loganville; Manchester; Mount Wolf; New Freedom; New Salem; North York; Railroad; Red Lion; Seven Valleys; Shrewsbury; Spring Grove; Stewartstown; Wellsville; West York; Windsor; Winterstown; Wrightsville; Yoe; York Haven; Yorkana

Auto and home insurance in Pennsylvania: FAQ

What is the minimum car insurance in Pennsylvania?

Liability of 15/30/5. Other required coverage: first-party medical benefits $5,000.

What is the average homeowners premium in Pennsylvania?

The NAIC reported a 2023 Pennsylvania HO-3 average of $1,217, 6th highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in Pennsylvania?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in Pennsylvania?

The Pennsylvania Insurance Department licenses insurers, handles complaints, and publishes consumer guides.

Sources

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Last updated October 15, 2026 · How we research