Williamsport, PA
Auto and home insurance in Williamsport, Pennsylvania
Commute, vehicle, and housing data for Williamsport, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Williamsport: 43% of households are homeowners, and 64% of commuters drive alone. With a population near 27,628, that adds up to a lot of households insuring a house and at least one vehicle.
Williamsport commuting and vehicle data
| Measure | Williamsport | Pennsylvania |
|---|---|---|
| Drive alone to work | 64% | 68% |
| Carpool | 10% | 8% |
| Work from home | 12% | 16% |
| Commute of 45 minutes or more | 5% | 16% |
| Commute under 15 minutes | 58% | 27% |
| Households with no vehicle | 21% | 10% |
| Households with 3 or more vehicles | 11% | 19% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Williamsport than statewide: 5% 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 12% of Williamsport workers mostly work from home, below the Pennsylvania share of 16%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
In Williamsport, 21% of households live without a car while 11% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Williamsport homes and homeowners coverage
Homes in Williamsport carry a median value of $154,300 and a median construction year of 1938. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
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 Williamsport
Drivers in Williamsport 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.
Should Williamsport homeowners bundle?
With 43% of households owning their home, bundling is an option for most Williamsport families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Williamsport
Around Williamsport, two exposures stand out: deer collisions and winter ice and potholes. 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).
See FEMA's National Risk Index for local hazard scores.
Williamsport compared with nearby cities
In Philadelphia, 52% own their home and 6% of households have three or more vehicles. In Pittsburgh, 48% own their home and 6% of households have three or more vehicles. In Allentown, 43% own their home and 10% of households have three or more vehicles. Williamsport ranks 28th for long commutes among the 30 Pennsylvania cities we profile.
Gathering details for a Williamsport auto and home quote
- Your Williamsport address, square footage, and year built
- Liability limits you want
- Lender name and loan number
- Your existing policies and renewal dates
- Drivers' names and dates of birth
- When the roof was replaced
Questions from Williamsport drivers and homeowners
What are the minimum car insurance limits for Williamsport drivers?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do Williamsport drivers have long commutes?
About 5% of Williamsport workers commute 45 minutes or more and 58% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Williamsport?
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 Williamsport
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research