Allentown, PA
Insuring your car and home in Allentown, PA
Commute, vehicle, and housing data for Allentown, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Allentown has about 127,138 residents in Lehigh County. 70% of its workers drive to work alone and 43% of households own their home, so most families here need both a car policy and a homeowners policy.
Allentown commuting and vehicle data
| Measure | Allentown | Pennsylvania |
|---|---|---|
| Drive alone to work | 70% | 68% |
| Carpool | 11% | 8% |
| Work from home | 9% | 16% |
| Commute of 45 minutes or more | 10% | 16% |
| Commute under 15 minutes | 22% | 27% |
| Households with no vehicle | 17% | 10% |
| Households with 3 or more vehicles | 10% | 19% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Allentown commutes are shorter than the Pennsylvania norm, with 10% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 9% of Allentown workers mostly work from home, below the Pennsylvania share of 16%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 10% of households in Allentown have at least three vehicles (Pennsylvania: 19%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Allentown
The median owner-occupied home in Allentown is valued at $206,600, and half of the city's homes were built before 1952. The Pennsylvania median value is $254,500. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Pennsylvania was $832 for homes insured in the $200,000–$224,999 range, and $1,217 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Pennsylvania auto minimums that apply in Allentown
Drivers in Allentown must carry Pennsylvania's minimum of 15/30/5 in liability coverage (first-party medical benefits $5,000). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Allentown household
A bundle can simplify life in Allentown: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Allentown cars and homes
Insurers in Pennsylvania price for basement water and frozen pipes and winter ice and potholes. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Allentown
In Philadelphia, 52% own their home and 6% of households have three or more vehicles. In Pittsburgh, 48% own their home and 6% of households have three or more vehicles. Reading shows 6% working from home and a median home value of $121,300. Allentown ranks 18th for long commutes among the 30 Pennsylvania cities we profile.
What to have ready for a Allentown quote
- Your existing policies and renewal dates
- When the roof was replaced
- Commute distance and typical yearly miles
- Vehicle year, make, model, and VIN
- Lender name and loan number
- Recent claims or violations
Questions from Allentown drivers and homeowners
What are the minimum car insurance limits for Allentown drivers?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do Allentown drivers have long commutes?
About 10% of Allentown workers commute 45 minutes or more and 22% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Allentown?
There is no single price. As context, Pennsylvania HO-3 policies averaged $1,217 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Allentown
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research