Edmonds, WA
Auto and home insurance in Edmonds, Washington
How Edmonds households can compare car and home coverage, with local Census data. A quote is not a binder.
In Edmonds (42,871 people), 61% of workers commute by driving alone, compared with 63% across Washington. Homeownership runs at 71%.
How Edmonds gets around
| Measure | Edmonds | Washington |
|---|---|---|
| Drive alone to work | 61% | 63% |
| Carpool | 5% | 8% |
| Work from home | 27% | 20% |
| Commute of 45 minutes or more | 17% | 17% |
| Commute under 15 minutes | 23% | 26% |
| Households with no vehicle | 3% | 7% |
| Households with 3 or more vehicles | 23% | 26% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
About 17% of Edmonds 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 27% of Edmonds workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 23% of households in Edmonds 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 Edmonds
The median owner-occupied home in Edmonds is valued at $890,100, and half of the city's homes were built before 1974. The Washington median value is $564,600. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Washington was $1,895 for homes insured in the $700,000–$999,999 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.
Legal minimums on the road in Edmonds
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Edmonds's median home value at $890,100, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Edmonds household
A bundle can simplify life in Edmonds: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Edmonds
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.
Edmonds compared with nearby cities
Everett: 67% drive alone, 18% commute 45+ minutes, median home $565,300. Marysville shows 14% working from home and a median home value of $567,900. Lynnwood shows 15% working from home and a median home value of $686,900. For share of 45-minute-plus commutes, Edmonds is 13th of 30 Washington cities on this site.
Edmonds quote checklist
- Target limits and deductibles
- Current declarations pages for auto and home
- Commute distance and typical yearly miles
- Drivers' names and dates of birth
- When the roof was replaced
- Lender name and loan number
Edmonds auto and home insurance FAQ
What are the minimum car insurance limits for Edmonds drivers?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Edmonds?
About 17% of Edmonds workers commute 45 minutes or more and 23% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Edmonds?
There is no single price. As context, Washington HO-3 policies averaged $1,232 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research