Bothell, WA
Insuring your car and home in Bothell, WA
Commute, vehicle, and housing data for Bothell, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Bothell drivers commuting alone at a rate of 54% and homeowners making up 65% of households. Here is what that means for auto and home coverage in a city of about 51,770.
How Bothell gets around
| Measure | Bothell | Washington |
|---|---|---|
| Drive alone to work | 54% | 63% |
| Carpool | 7% | 8% |
| Work from home | 33% | 20% |
| Commute of 45 minutes or more | 17% | 17% |
| Commute under 15 minutes | 21% | 26% |
| Households with no vehicle | 4% | 7% |
| Households with 3 or more vehicles | 19% | 26% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Bothell commutes are similar than the Washington norm, with 17% 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.
With 33% of Bothell workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
19% of Bothell households keep three or more vehicles, and 4% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Bothell homes and homeowners coverage
Homes in Bothell carry a median value of $925,100 and a median construction year of 1992. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Washington HO-3 policyholders with $700,000–$999,999 of dwelling coverage paying an average of $1,895; 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 Bothell drivers
The state minimum is 25/50/10. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Bothell
With 65% of households owning their home, bundling is an option for most Bothell 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 Bothell
Insurers in Washington price for wildfire east of the Cascades and icy winter roads. 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.
Neighboring cities and Bothell
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: 68% drive alone, 23% commute 45+ minutes, median home $587,800. For share of 45-minute-plus commutes, Bothell is 14th of 30 Washington cities on this site.
Gathering details for a Bothell auto and home quote
- Target limits and deductibles
- Your existing policies and renewal dates
- Commute distance and typical yearly miles
- Everyone in the household who drives
- Lender name and loan number
- When the roof was replaced
Bothell auto and home insurance FAQ
What are the minimum car insurance limits for Bothell drivers?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Bothell?
About 17% of Bothell workers commute 45 minutes or more and 21% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Bothell?
Prices depend on the home and coverage. The NAIC's 2023 Washington HO-3 average was $1,232; see the Washington page.
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Auto and home insurance in Washington
Last updated October 15, 2026 · How we research