Kirkland, WA
Auto and home insurance in Kirkland, Washington
How Kirkland households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Kirkland: 61% of households are homeowners, and 53% of commuters drive alone. With a population near 95,499, that adds up to a lot of households insuring a house and at least one vehicle.
Kirkland commuting and vehicle data
| Measure | Kirkland | Washington |
|---|---|---|
| Drive alone to work | 53% | 63% |
| Carpool | 5% | 8% |
| Work from home | 34% | 20% |
| Commute of 45 minutes or more | 11% | 17% |
| Commute under 15 minutes | 24% | 26% |
| Households with no vehicle | 5% | 7% |
| Households with 3 or more vehicles | 17% | 26% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
About 11% of Kirkland 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.
Remote work is common here: 34% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Kirkland, 5% of households live without a car while 17% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Kirkland
Census figures put Kirkland's median home value at $1,115,400 (Washington: $564,600) and its median year built at 1984. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Washington was $2,684 for homes insured in the $1,000,000 and over 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.
Required auto coverage for Kirkland drivers
Drivers in Kirkland must carry Washington's minimum of 25/50/10 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Kirkland
A bundle can simplify life in Kirkland: 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 Kirkland cars and homes
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.
How Kirkland compares in Washington
Seattle: 37% drive alone, 14% commute 45+ minutes, median home $938,600. In Bellevue, 52% own their home and 16% of households have three or more vehicles. Kent: 68% drive alone, 23% commute 45+ minutes, median home $587,800. Kirkland ranks 22nd for long commutes among the 30 Washington cities we profile.
What to have ready for a Kirkland quote
- Your existing policies and renewal dates
- Accidents, tickets, and claims from the last five years
- Everyone in the household who drives
- VINs from registrations or the dashboard
- Annual mileage for each car
- When the roof was replaced
Questions from Kirkland drivers and homeowners
What are the minimum car insurance limits for Kirkland drivers?
Washington requires liability of 25/50/10; none beyond liability.
Do Kirkland drivers have long commutes?
About 11% of Kirkland workers commute 45 minutes or more and 24% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Kirkland?
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