Philadelphia, PA
Philadelphia, PA car and homeowners insurance
How Philadelphia households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Philadelphia: 52% of households are homeowners, and 46% of commuters drive alone. With a population near 1,550,000, that adds up to a lot of households insuring a house and at least one vehicle.
How Philadelphia gets around
| Measure | Philadelphia | Pennsylvania |
|---|---|---|
| Drive alone to work | 46% | 68% |
| Carpool | 8% | 8% |
| Work from home | 18% | 16% |
| Commute of 45 minutes or more | 24% | 16% |
| Commute under 15 minutes | 14% | 27% |
| Households with no vehicle | 28% | 10% |
| Households with 3 or more vehicles | 6% | 19% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Philadelphia commutes are longer than the Pennsylvania norm, with 24% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 18% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
6% of Philadelphia households keep three or more vehicles, and 28% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Philadelphia homes and homeowners coverage
Census figures put Philadelphia's median home value at $243,100 (Pennsylvania: $254,500) and its median year built at 1949. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Pennsylvania was $894 for homes insured in the $225,000–$249,999 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.
Legal minimums on the road in Philadelphia
Drivers in Philadelphia 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.
One insurer or two for a Philadelphia household
With 52% of households owning their home, bundling is an option for most Philadelphia 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 Philadelphia
Plan for deer collisions, along with basement water and frozen pipes. 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.
Philadelphia compared with nearby cities
Pittsburgh: 47% drive alone, 9% commute 45+ minutes, median home $205,800. Allentown: 70% drive alone, 10% commute 45+ minutes, median home $206,600. In Reading, 41% own their home and 9% of households have three or more vehicles. Philadelphia ranks 2nd for long commutes among the 30 Pennsylvania cities we profile.
What to have ready for a Philadelphia quote
- Your existing policies and renewal dates
- Mortgage company for the home
- Commute distance and typical yearly miles
- Recent claims or violations
- Drivers' names and dates of birth
- VINs from registrations or the dashboard
Questions from Philadelphia drivers and homeowners
What are the minimum car insurance limits for Philadelphia drivers?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
Do Philadelphia drivers have long commutes?
About 24% of Philadelphia workers commute 45 minutes or more and 14% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Philadelphia?
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
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Last updated October 15, 2026 · How we research