Easton, PA
Easton, PA car and homeowners insurance
How Easton households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Easton: 44% of households are homeowners, and 70% of commuters drive alone. With a population near 30,432, that adds up to a lot of households insuring a house and at least one vehicle.
Easton driving profile
| Measure | Easton | Pennsylvania |
|---|---|---|
| Drive alone to work | 70% | 68% |
| Carpool | 7% | 8% |
| Work from home | 15% | 16% |
| Commute of 45 minutes or more | 14% | 16% |
| Commute under 15 minutes | 26% | 27% |
| Households with no vehicle | 11% | 10% |
| Households with 3 or more vehicles | 13% | 19% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
About 14% of Easton commuters travel 45 minutes or more each way (Pennsylvania: 16%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Fewer Easton workers telecommute (15%) than the state average, which means more cars on the road at rush hour.
13% of Easton households keep three or more vehicles, and 11% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Easton
The median owner-occupied home in Easton is valued at $196,300, and half of the city's homes were built before 1938. 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 $759 for homes insured in the $150,000–$199,999 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 Easton
Pennsylvania requires liability limits of at least 15/30/5. Other required coverage: first-party medical benefits $5,000. Those are floors; with Easton's median home value at $196,300, most homeowners choose much higher liability limits to protect their equity.
Should Easton homeowners bundle?
A bundle can simplify life in Easton: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Easton
Plan for winter ice and potholes, along with deer collisions. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Easton compares in Pennsylvania
Bethlehem: 67% drive alone, 10% commute 45+ minutes, median home $260,400. Philadelphia: 46% drive alone, 24% commute 45+ minutes, median home $243,100. Pittsburgh: 47% drive alone, 9% commute 45+ minutes, median home $205,800. For share of 45-minute-plus commutes, Easton is 11th of 30 Pennsylvania cities on this site.
Easton quote checklist
- Liability limits you want
- Accidents, tickets, and claims from the last five years
- Everyone in the household who drives
- Your existing policies and renewal dates
- When the roof was replaced
- Your Easton address, square footage, and year built
Easton auto and home insurance FAQ
What auto insurance is required in Easton?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Easton?
About 14% of Easton workers commute 45 minutes or more and 26% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Easton?
There is no single price. As context, Pennsylvania HO-3 policies averaged $1,217 in 2023 (NAIC), and averages rise with dwelling coverage.
More Pennsylvania cities
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research