Bremerton, WA
Auto and home insurance in Bremerton, Washington
Commute, vehicle, and housing data for Bremerton, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Bremerton: 48% of households are homeowners, and 54% of commuters drive alone. With a population near 45,291, that adds up to a lot of households insuring a house and at least one vehicle.
Bremerton driving profile
| Measure | Bremerton | Washington |
|---|---|---|
| Drive alone to work | 54% | 63% |
| Carpool | 12% | 8% |
| Work from home | 12% | 20% |
| Commute of 45 minutes or more | 15% | 17% |
| Commute under 15 minutes | 34% | 26% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 16% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are similar in Bremerton than statewide: 15% 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 Bremerton workers telecommute (12%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 16% of households in Bremerton have at least three vehicles (Washington: 26%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Bremerton
Census figures put Bremerton's median home value at $439,400 (Washington: $564,600) and its median year built at 1969. 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 $400,000–$449,999 of dwelling coverage paying an average of $1,132; 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.
Washington auto minimums that apply in Bremerton
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.
Should Bremerton homeowners bundle?
Most Bremerton 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.
Local risks for Bremerton cars and homes
Insurers in Washington price for icy winter roads and windstorms that drop trees on cars and roofs. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Bremerton compares in Washington
In Seattle, 44% own their home and 9% of households have three or more vehicles. Spokane shows 15% working from home and a median home value of $363,500. In Tacoma, 56% own their home and 22% of households have three or more vehicles. For share of 45-minute-plus commutes, Bremerton is 17th of 30 Washington cities on this site.
What to have ready for a Bremerton quote
- Your existing policies and renewal dates
- VINs from registrations or the dashboard
- Target limits and deductibles
- Roof age and material
- Lender name and loan number
- Annual mileage for each car
Bremerton auto and home insurance FAQ
What auto insurance is required in Bremerton?
Washington requires liability of 25/50/10; none beyond liability.
Do Bremerton drivers have long commutes?
About 15% of Bremerton workers commute 45 minutes or more and 34% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Bremerton?
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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Last updated October 15, 2026 · How we research