Altoona, PA
Insuring your car and home in Altoona, PA
Commute, vehicle, and housing data for Altoona, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Altoona drivers commuting alone at a rate of 77% and homeowners making up 64% of households. Here is what that means for auto and home coverage in a city of about 42,719.
Altoona commuting and vehicle data
| Measure | Altoona | Pennsylvania |
|---|---|---|
| Drive alone to work | 77% | 68% |
| Carpool | 10% | 8% |
| Work from home | 7% | 16% |
| Commute of 45 minutes or more | 8% | 16% |
| Commute under 15 minutes | 48% | 27% |
| Households with no vehicle | 12% | 10% |
| Households with 3 or more vehicles | 13% | 19% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Altoona commutes are shorter than the Pennsylvania norm, with 8% 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.
Fewer Altoona workers telecommute (7%) than the state average, which means more cars on the road at rush hour.
13% of Altoona households keep three or more vehicles, and 12% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Altoona homeowners picture
Census figures put Altoona's median home value at $119,900 (Pennsylvania: $254,500) and its median year built at 1944. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Pennsylvania HO-3 policyholders with Under $150,000 of dwelling coverage paying an average of $519; the all-amounts state average was $1,217.
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 Altoona
The state minimum is 15/30/5. Additional requirement: first-party medical benefits $5,000. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Altoona household
A bundle can simplify life in Altoona: 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 Altoona cars and homes
Insurers in Pennsylvania price for winter ice and potholes and deer collisions. 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.
How Altoona compares in Pennsylvania
Philadelphia shows 18% working from home and a median home value of $243,100. Pittsburgh: 47% drive alone, 9% commute 45+ minutes, median home $205,800. Allentown: 70% drive alone, 10% commute 45+ minutes, median home $206,600. Altoona ranks 23rd for long commutes among the 30 Pennsylvania cities we profile.
What to have ready for a Altoona quote
- Accidents, tickets, and claims from the last five years
- Everyone in the household who drives
- Home details: size, age, construction
- Annual mileage for each car
- Current declarations pages for auto and home
- Roof age and material
Altoona auto and home insurance FAQ
What auto insurance is required in Altoona?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Altoona?
About 8% of Altoona workers commute 45 minutes or more and 48% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Altoona?
Prices depend on the home and coverage. The NAIC's 2023 Pennsylvania HO-3 average was $1,217; see the Pennsylvania page.
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Last updated October 15, 2026 · How we research