Murrysville, PA
Auto and home insurance in Murrysville, Pennsylvania
Commute, vehicle, and housing data for Murrysville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Murrysville has about 20,729 residents in Westmoreland County. 67% of its workers drive to work alone and 91% of households own their home, so most families here need both a car policy and a homeowners policy.
How Murrysville gets around
| Measure | Murrysville | Pennsylvania |
|---|---|---|
| Drive alone to work | 67% | 68% |
| Carpool | 2% | 8% |
| Work from home | 29% | 16% |
| Commute of 45 minutes or more | 21% | 16% |
| Commute under 15 minutes | 17% | 27% |
| Households with no vehicle | 2% | 10% |
| Households with 3 or more vehicles | 24% | 19% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 21% of Murrysville 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.
With 29% of Murrysville workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
24% of Murrysville households keep three or more vehicles, and 2% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Murrysville homeowners picture
The median owner-occupied home in Murrysville is valued at $342,100, and half of the city's homes were built before 1979. The Pennsylvania median value is $254,500. Your dwelling limit should match rebuild cost, which can differ from market value.
Benchmark: $1,104 was the average 2023 Pennsylvania HO-3 premium at the $325,000–$349,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Murrysville drivers
Pennsylvania requires liability limits of at least 15/30/5. Other required coverage: first-party medical benefits $5,000. Those are floors; with Murrysville's median home value at $342,100, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Murrysville
A bundle can simplify life in Murrysville: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Murrysville
Around Murrysville, two exposures stand out: basement water and frozen pipes and deer collisions. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
Murrysville compared with nearby cities
Philadelphia shows 18% working from home and a median home value of $243,100. Pittsburgh shows 22% working from home and a median home value of $205,800. Allentown: 70% drive alone, 10% commute 45+ minutes, median home $206,600. Murrysville ranks 3rd for long commutes among the 30 Pennsylvania cities we profile.
Gathering details for a Murrysville auto and home quote
- Mortgage company for the home
- Commute distance and typical yearly miles
- VINs from registrations or the dashboard
- When the roof was replaced
- Liability limits you want
- Your Murrysville address, square footage, and year built
Murrysville auto and home insurance FAQ
What auto insurance is required in Murrysville?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Murrysville?
About 21% of Murrysville workers commute 45 minutes or more and 17% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Murrysville?
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