Monroeville, PA
Monroeville, PA car and homeowners insurance
Commute, vehicle, and housing data for Monroeville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Monroeville (27,966 people), 65% of workers commute by driving alone, compared with 68% across Pennsylvania. Homeownership runs at 69%.
Cars, commutes, and households in Monroeville
| Measure | Monroeville | Pennsylvania |
|---|---|---|
| Drive alone to work | 65% | 68% |
| Carpool | 8% | 8% |
| Work from home | 25% | 16% |
| Commute of 45 minutes or more | 17% | 16% |
| Commute under 15 minutes | 29% | 27% |
| Households with no vehicle | 7% | 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.
Long commutes are similar in Monroeville than statewide: 17% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Remote work is common here: 25% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Monroeville, 7% of households live without a car while 13% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Monroeville
The median owner-occupied home in Monroeville is valued at $209,800, and half of the city's homes were built before 1968. 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.
Legal minimums on the road in Monroeville
Drivers in Monroeville 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.
Bundling auto and home in Monroeville
With 69% of households owning their home, bundling is an option for most Monroeville families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Monroeville
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 Monroeville
Pittsburgh shows 22% working from home and a median home value of $205,800. Bethel Park: 64% drive alone, 18% commute 45+ minutes, median home $273,400. Plum: 69% drive alone, 25% commute 45+ minutes, median home $227,600. Monroeville ranks 7th for long commutes among the 30 Pennsylvania cities we profile.
Monroeville quote checklist
- Recent claims or violations
- VINs from registrations or the dashboard
- Annual mileage for each car
- Home details: size, age, construction
- Everyone in the household who drives
- Mortgage company for the home
Questions from Monroeville drivers and homeowners
What auto insurance is required in Monroeville?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do Monroeville drivers have long commutes?
About 17% of Monroeville workers commute 45 minutes or more and 29% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Monroeville?
There is no single price. As context, Pennsylvania HO-3 policies averaged $1,217 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research