Auburn, WA
Insuring your car and home in Auburn, WA
Commute, vehicle, and housing data for Auburn, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Auburn (85,513 people), 71% of workers commute by driving alone, compared with 63% across Washington. Homeownership runs at 61%.
Auburn driving profile
| Measure | Auburn | Washington |
|---|---|---|
| Drive alone to work | 71% | 63% |
| Carpool | 9% | 8% |
| Work from home | 14% | 20% |
| Commute of 45 minutes or more | 21% | 17% |
| Commute under 15 minutes | 17% | 26% |
| Households with no vehicle | 7% | 7% |
| Households with 3 or more vehicles | 25% | 26% |
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 longer in Auburn than statewide: 21% 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.
Fewer Auburn workers telecommute (14%) than the state average, which means more cars on the road at rush hour.
In Auburn, 7% of households live without a car while 25% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Auburn
Homes in Auburn carry a median value of $547,900 and a median construction year of 1991. 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 Washington was $1,317 for homes insured in the $500,000–$599,999 range, and $1,232 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Washington auto minimums that apply in Auburn
Drivers in Auburn must carry Washington's minimum of 25/50/10 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Auburn household
Most Auburn 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 Auburn
Around Auburn, two exposures stand out: windstorms that drop trees on cars and roofs and icy winter roads. 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.
Auburn compared with nearby cities
Seattle: 37% drive alone, 14% commute 45+ minutes, median home $938,600. Bellevue: 46% drive alone, 11% commute 45+ minutes, median home $1,340,300. Kent shows 14% working from home and a median home value of $587,800. Auburn ranks 6th for long commutes among the 30 Washington cities we profile.
What to have ready for a Auburn quote
- Commute distance and typical yearly miles
- Roof age and material
- Home details: size, age, construction
- Everyone in the household who drives
- Liability limits you want
- VINs from registrations or the dashboard
Questions from Auburn drivers and homeowners
What are the minimum car insurance limits for Auburn drivers?
Washington requires liability of 25/50/10; none beyond liability.
Do Auburn drivers have long commutes?
About 21% of Auburn workers commute 45 minutes or more and 17% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Auburn?
Prices depend on the home and coverage. The NAIC's 2023 Washington HO-3 average was $1,232; see the Washington page.
Other city guides near Auburn
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research