Lynnwood, WA
Insuring your car and home in Lynnwood, WA
How Lynnwood households can compare car and home coverage, with local Census data. A quote is not a binder.
Lynnwood has about 41,597 residents in Snohomish County. 64% of its workers drive to work alone and 51% of households own their home, so most families here need both a car policy and a homeowners policy.
Lynnwood driving profile
| Measure | Lynnwood | Washington |
|---|---|---|
| Drive alone to work | 64% | 63% |
| Carpool | 9% | 8% |
| Work from home | 15% | 20% |
| Commute of 45 minutes or more | 20% | 17% |
| Commute under 15 minutes | 20% | 26% |
| Households with no vehicle | 11% | 7% |
| Households with 3 or more vehicles | 19% | 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 20% of Lynnwood 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.
Only 15% of Lynnwood workers mostly work from home, below the Washington share of 20%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
19% of Lynnwood households keep three or more vehicles, and 11% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Lynnwood homes and homeowners coverage
Census figures put Lynnwood's median home value at $686,900 (Washington: $564,600) and its median year built at 1979. 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 $1,460 for homes insured in the $600,000–$699,999 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.
Required auto coverage for Lynnwood drivers
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Lynnwood's median home value at $686,900, most homeowners choose much higher liability limits to protect their equity.
Should Lynnwood homeowners bundle?
A bundle can simplify life in Lynnwood: 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 Lynnwood
Insurers in Washington price for windstorms that drop trees on cars and roofs and wildfire east of the Cascades. 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 Lynnwood compares in Washington
Everett shows 13% working from home and a median home value of $565,300. Marysville shows 14% working from home and a median home value of $567,900. Edmonds: 61% drive alone, 17% commute 45+ minutes, median home $890,100. For share of 45-minute-plus commutes, Lynnwood is 8th of 30 Washington cities on this site.
What to have ready for a Lynnwood quote
- Roof age and material
- VINs from registrations or the dashboard
- Everyone in the household who drives
- Lender name and loan number
- Current declarations pages for auto and home
- Your Lynnwood address, square footage, and year built
Questions from Lynnwood drivers and homeowners
What auto insurance is required in Lynnwood?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Lynnwood?
About 20% of Lynnwood workers commute 45 minutes or more and 20% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Lynnwood?
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