Lebanon, PA
Insuring your car and home in Lebanon, PA
Commute, vehicle, and housing data for Lebanon, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Lebanon drivers commuting alone at a rate of 70% and homeowners making up 47% of households. Here is what that means for auto and home coverage in a city of about 26,456.
Lebanon driving profile
| Measure | Lebanon | Pennsylvania |
|---|---|---|
| Drive alone to work | 70% | 68% |
| Carpool | 13% | 8% |
| Work from home | 6% | 16% |
| Commute of 45 minutes or more | 11% | 16% |
| Commute under 15 minutes | 41% | 27% |
| Households with no vehicle | 16% | 10% |
| Households with 3 or more vehicles | 12% | 19% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 11% of Lebanon 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 Lebanon workers telecommute (6%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 12% of households in Lebanon 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 Lebanon
The median owner-occupied home in Lebanon is valued at $156,500, and half of the city's homes were built before 1947. 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 Lebanon
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 Lebanon household
With 47% of households owning their home, bundling is an option for most Lebanon families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Lebanon cars and homes
Plan for basement water and frozen pipes, along with winter ice and potholes. 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.
Neighboring cities and Lebanon
Philadelphia: 46% drive alone, 24% commute 45+ minutes, median home $243,100. Pittsburgh shows 22% working from home and a median home value of $205,800. In Allentown, 43% own their home and 10% of households have three or more vehicles. For share of 45-minute-plus commutes, Lebanon is 16th of 30 Pennsylvania cities on this site.
What to have ready for a Lebanon quote
- Home details: size, age, construction
- Target limits and deductibles
- Vehicle year, make, model, and VIN
- Current declarations pages for auto and home
- Drivers' names and dates of birth
- Lender name and loan number
Questions from Lebanon drivers and homeowners
What are the minimum car insurance limits for Lebanon drivers?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Lebanon?
About 11% of Lebanon workers commute 45 minutes or more and 41% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Lebanon?
Prices depend on the home and coverage. The NAIC's 2023 Pennsylvania HO-3 average was $1,217; see the Pennsylvania page.
Other city guides near Lebanon
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research