Burien, WA
Burien, WA car and homeowners insurance
Commute, vehicle, and housing data for Burien, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Burien drivers commuting alone at a rate of 61% and homeowners making up 57% of households. Here is what that means for auto and home coverage in a city of about 52,046.
Burien driving profile
| Measure | Burien | Washington |
|---|---|---|
| Drive alone to work | 61% | 63% |
| Carpool | 12% | 8% |
| Work from home | 19% | 20% |
| Commute of 45 minutes or more | 16% | 17% |
| Commute under 15 minutes | 20% | 26% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 24% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 16% of Burien 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.
Fewer Burien workers telecommute (19%) than the state average, which means more cars on the road at rush hour.
In Burien, 9% of households live without a car while 24% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Burien
Homes in Burien carry a median value of $638,800 and a median construction year of 1966. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,460 was the average 2023 Washington HO-3 premium at the $600,000–$699,999 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.
Washington auto minimums that apply in Burien
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Burien's median home value at $638,800, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Burien
A bundle can simplify life in Burien: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Burien
Around Burien, two exposures stand out: icy winter roads and wildfire east of the Cascades. 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.
How Burien compares in Washington
Seattle shows 35% working from home and a median home value of $938,600. Bellevue shows 36% working from home and a median home value of $1,340,300. In Kent, 57% own their home and 25% of households have three or more vehicles. For share of 45-minute-plus commutes, Burien is 16th of 30 Washington cities on this site.
What to have ready for a Burien quote
- Target limits and deductibles
- Recent claims or violations
- Annual mileage for each car
- Roof age and material
- VINs from registrations or the dashboard
- Your existing policies and renewal dates
Burien auto and home insurance FAQ
What are the minimum car insurance limits for Burien drivers?
Washington requires liability of 25/50/10; none beyond liability.
Do Burien drivers have long commutes?
About 16% of Burien workers commute 45 minutes or more and 20% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Burien?
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