Everett, WA
Everett, WA car and homeowners insurance
Commute, vehicle, and housing data for Everett, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Everett: 49% of households are homeowners, and 67% of commuters drive alone. With a population near 113,011, that adds up to a lot of households insuring a house and at least one vehicle.
How Everett gets around
| Measure | Everett | Washington |
|---|---|---|
| Drive alone to work | 67% | 63% |
| Carpool | 11% | 8% |
| Work from home | 13% | 20% |
| Commute of 45 minutes or more | 18% | 17% |
| Commute under 15 minutes | 26% | 26% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 22% | 26% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Everett commutes are similar than the Washington norm, with 18% 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.
Fewer Everett workers telecommute (13%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 22% of households in Everett have at least three vehicles (Washington: 26%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The Everett homeowners picture
Census figures put Everett's median home value at $565,300 (Washington: $564,600) and its median year built at 1981. 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 $500,000–$599,999 of dwelling coverage paying an average of $1,317; 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.
Legal minimums on the road in Everett
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 Everett
A bundle can simplify life in Everett: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Everett cars and homes
Around Everett, 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.
Everett compared with nearby cities
Marysville: 70% drive alone, 24% commute 45+ minutes, median home $567,900. Edmonds: 61% drive alone, 17% commute 45+ minutes, median home $890,100. Lynnwood shows 15% working from home and a median home value of $686,900. Everett ranks 10th for long commutes among the 30 Washington cities we profile.
Everett quote checklist
- Home details: size, age, construction
- Mortgage company for the home
- Commute distance and typical yearly miles
- Recent claims or violations
- Drivers' names and dates of birth
- Your existing policies and renewal dates
Everett auto and home insurance FAQ
What are the minimum car insurance limits for Everett drivers?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Everett?
About 18% of Everett workers commute 45 minutes or more and 26% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Everett?
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 Everett
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research