Hazleton, PA
Insuring your car and home in Hazleton, PA
Commute, vehicle, and housing data for Hazleton, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Hazleton has about 30,354 residents in Luzerne County. 69% of its workers drive to work alone and 51% of households own their home, so most families here need both a car policy and a homeowners policy.
How Hazleton gets around
| Measure | Hazleton | Pennsylvania |
|---|---|---|
| Drive alone to work | 69% | 68% |
| Carpool | 22% | 8% |
| Work from home | 3% | 16% |
| Commute of 45 minutes or more | 9% | 16% |
| Commute under 15 minutes | 35% | 27% |
| Households with no vehicle | 17% | 10% |
| Households with 3 or more vehicles | 15% | 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 shorter in Hazleton than statewide: 9% 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 3% of Hazleton 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: 15% of households in Hazleton have at least three vehicles (Pennsylvania: 19%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Hazleton
Census figures put Hazleton's median home value at $151,600 (Pennsylvania: $254,500) and its median year built at 1952. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Pennsylvania HO-3 policyholders with $150,000–$199,999 of dwelling coverage paying an average of $759; 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 Hazleton
Pennsylvania requires liability limits of at least 15/30/5. Other required coverage: first-party medical benefits $5,000. Those are floors; with Hazleton's median home value at $151,600, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Hazleton household
Most Hazleton homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Hazleton
Insurers in Pennsylvania price for deer collisions and basement water and frozen pipes. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Hazleton compared with nearby cities
Wilkes-Barre: 69% drive alone, 9% commute 45+ minutes, median home $117,200. 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. For share of 45-minute-plus commutes, Hazleton is 21st of 30 Pennsylvania cities on this site.
What to have ready for a Hazleton quote
- Home details: size, age, construction
- Recent claims or violations
- Commute distance and typical yearly miles
- Your existing policies and renewal dates
- Liability limits you want
- Mortgage company for the home
Hazleton auto and home insurance FAQ
What auto insurance is required in Hazleton?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Hazleton?
About 9% of Hazleton workers commute 45 minutes or more and 35% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Hazleton?
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