Scranton, PA
Insuring your car and home in Scranton, PA
How Scranton households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Scranton drivers commuting alone at a rate of 71% and homeowners making up 50% of households. Here is what that means for auto and home coverage in a city of about 75,905.
Cars, commutes, and households in Scranton
| Measure | Scranton | Pennsylvania |
|---|---|---|
| Drive alone to work | 71% | 68% |
| Carpool | 13% | 8% |
| Work from home | 9% | 16% |
| Commute of 45 minutes or more | 8% | 16% |
| Commute under 15 minutes | 43% | 27% |
| Households with no vehicle | 14% | 10% |
| Households with 3 or more vehicles | 11% | 19% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are shorter in Scranton than statewide: 8% 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.
Only 9% of Scranton workers mostly work from home, below the Pennsylvania share of 16%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 11% of households in Scranton have at least three vehicles (Pennsylvania: 19%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Scranton homes and homeowners coverage
The median owner-occupied home in Scranton is valued at $158,100, 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.
Benchmark: $759 was the average 2023 Pennsylvania HO-3 premium at the $150,000–$199,999 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 Scranton drivers
Pennsylvania requires liability limits of at least 15/30/5. Other required coverage: first-party medical benefits $5,000. Those are floors; with Scranton's median home value at $158,100, most homeowners choose much higher liability limits to protect their equity.
Should Scranton homeowners bundle?
A bundle can simplify life in Scranton: 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 Scranton
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.
Scranton compared with nearby cities
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 shows 9% working from home and a median home value of $206,600. For share of 45-minute-plus commutes, Scranton is 25th of 30 Pennsylvania cities on this site.
What to have ready for a Scranton quote
- Your Scranton address, square footage, and year built
- Everyone in the household who drives
- VINs from registrations or the dashboard
- Your existing policies and renewal dates
- Recent claims or violations
- Roof age and material
Scranton auto and home insurance FAQ
What auto insurance is required in Scranton?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do Scranton drivers have long commutes?
About 8% of Scranton workers commute 45 minutes or more and 43% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Scranton?
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 Scranton
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research