York, PA
Insuring your car and home in York, PA
Commute, vehicle, and housing data for York, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In York (45,241 people), 65% of workers commute by driving alone, compared with 68% across Pennsylvania. Homeownership runs at 44%.
Cars, commutes, and households in York
| Measure | York | Pennsylvania |
|---|---|---|
| Drive alone to work | 65% | 68% |
| Carpool | 12% | 8% |
| Work from home | 11% | 16% |
| Commute of 45 minutes or more | 13% | 16% |
| Commute under 15 minutes | 27% | 27% |
| Households with no vehicle | 20% | 10% |
| Households with 3 or more vehicles | 10% | 19% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
About 13% of York 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 York workers telecommute (11%) than the state average, which means more cars on the road at rush hour.
In York, 20% of households live without a car while 10% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The York homeowners picture
Homes in York carry a median value of $119,700 and a median construction year of 1941. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Pennsylvania HO-3 policyholders with Under $150,000 of dwelling coverage paying an average of $519; the all-amounts state average was $1,217.
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 York
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.
Bundling auto and home in York
With 44% of households owning their home, bundling is an option for most York 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 York
Plan for winter ice and potholes, along with deer collisions. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Neighboring cities and York
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. Allentown: 70% drive alone, 10% commute 45+ minutes, median home $206,600. For share of 45-minute-plus commutes, York is 13th of 30 Pennsylvania cities on this site.
York quote checklist
- VINs from registrations or the dashboard
- Accidents, tickets, and claims from the last five years
- Lender name and loan number
- Liability limits you want
- Home details: size, age, construction
- Commute distance and typical yearly miles
Questions from York drivers and homeowners
What are the minimum car insurance limits for York drivers?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do York drivers have long commutes?
About 13% of York workers commute 45 minutes or more and 27% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in York?
Prices depend on the home and coverage. The NAIC's 2023 Pennsylvania HO-3 average was $1,217; see the Pennsylvania page.
More Pennsylvania cities
Auto and home insurance in Pennsylvania
Last updated October 15, 2026 · How we research