Plum, PA
Insuring your car and home in Plum, PA
Commute, vehicle, and housing data for Plum, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Plum has about 26,420 residents in Allegheny County. 69% of its workers drive to work alone and 81% of households own their home, so most families here need both a car policy and a homeowners policy.
Plum driving profile
| Measure | Plum | Pennsylvania |
|---|---|---|
| Drive alone to work | 69% | 68% |
| Carpool | 4% | 8% |
| Work from home | 24% | 16% |
| Commute of 45 minutes or more | 25% | 16% |
| Commute under 15 minutes | 16% | 27% |
| Households with no vehicle | 3% | 10% |
| Households with 3 or more vehicles | 25% | 19% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Plum commutes are longer than the Pennsylvania norm, with 25% 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: 24% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 25% of households in Plum have at least three vehicles (Pennsylvania: 19%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Plum
Census figures put Plum's median home value at $227,600 (Pennsylvania: $254,500) and its median year built at 1972. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $894 was the average 2023 Pennsylvania HO-3 premium at the $225,000–$249,999 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.
Legal minimums on the road in Plum
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 Plum
Most Plum 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.
Weather and road risks around Plum
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 Plum
Pittsburgh: 47% drive alone, 9% commute 45+ minutes, median home $205,800. Bethel Park: 64% drive alone, 18% commute 45+ minutes, median home $273,400. In Monroeville, 69% own their home and 13% of households have three or more vehicles. Plum ranks 1st for long commutes among the 30 Pennsylvania cities we profile.
What to have ready for a Plum quote
- Liability limits you want
- Current declarations pages for auto and home
- When the roof was replaced
- Your Plum address, square footage, and year built
- Lender name and loan number
- Vehicle year, make, model, and VIN
Plum auto and home insurance FAQ
What auto insurance is required in Plum?
Pennsylvania requires liability of 15/30/5; first-party medical benefits $5,000.
How long are commutes in Plum?
About 25% of Plum workers commute 45 minutes or more and 16% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Plum?
There is no single price. As context, Pennsylvania HO-3 policies averaged $1,217 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research