Bellevue, WA
Insuring your car and home in Bellevue, WA
Commute, vehicle, and housing data for Bellevue, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Bellevue drivers commuting alone at a rate of 46% and homeowners making up 52% of households. Here is what that means for auto and home coverage in a city of about 152,000.
Cars, commutes, and households in Bellevue
| Measure | Bellevue | Washington |
|---|---|---|
| Drive alone to work | 46% | 63% |
| Carpool | 7% | 8% |
| Work from home | 36% | 20% |
| Commute of 45 minutes or more | 11% | 17% |
| Commute under 15 minutes | 25% | 26% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 16% | 26% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 11% of Bellevue commuters travel 45 minutes or more each way (Washington: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
With 36% of Bellevue workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
16% of Bellevue households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Bellevue
Census figures put Bellevue's median home value at $1,340,300 (Washington: $564,600) and its median year built at 1982. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Washington HO-3 policyholders with $1,000,000 and over of dwelling coverage paying an average of $2,684; the all-amounts state average was $1,232.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Bellevue drivers
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Bellevue's median home value at $1,340,300, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Bellevue
Most Bellevue 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 Bellevue
Plan for windstorms that drop trees on cars and roofs, along with wildfire east of the Cascades. 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.
Neighboring cities and Bellevue
Seattle shows 35% working from home and a median home value of $938,600. Kent: 68% drive alone, 23% commute 45+ minutes, median home $587,800. In Renton, 54% own their home and 20% of households have three or more vehicles. For share of 45-minute-plus commutes, Bellevue is 21st of 30 Washington cities on this site.
What to have ready for a Bellevue quote
- VINs from registrations or the dashboard
- Target limits and deductibles
- Commute distance and typical yearly miles
- Everyone in the household who drives
- Your existing policies and renewal dates
- Your Bellevue address, square footage, and year built
Bellevue auto and home insurance FAQ
What auto insurance is required in Bellevue?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Bellevue?
About 11% of Bellevue workers commute 45 minutes or more and 25% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Bellevue?
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 Bellevue
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research