Pasco, WA
Pasco, WA car and homeowners insurance
How Pasco households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Pasco drivers commuting alone at a rate of 77% and homeowners making up 71% of households. Here is what that means for auto and home coverage in a city of about 81,724.
Pasco driving profile
| Measure | Pasco | Washington |
|---|---|---|
| Drive alone to work | 77% | 63% |
| Carpool | 12% | 8% |
| Work from home | 8% | 20% |
| Commute of 45 minutes or more | 12% | 17% |
| Commute under 15 minutes | 28% | 26% |
| Households with no vehicle | 5% | 7% |
| Households with 3 or more vehicles | 36% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Pasco commutes are shorter than the Washington norm, with 12% 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.
Only 8% of Pasco workers mostly work from home, below the Washington share of 20%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 36% of households in Pasco have at least three vehicles (Washington: 26%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Pasco homes and homeowners coverage
Census figures put Pasco's median home value at $376,300 (Washington: $564,600) and its median year built at 2001. 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 $1,054 for homes insured in the $350,000–$399,999 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 Pasco drivers
Drivers in Pasco 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.
One insurer or two for a Pasco household
Most Pasco homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Pasco
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 Pasco compares in Washington
Seattle shows 35% working from home and a median home value of $938,600. Spokane shows 15% working from home and a median home value of $363,500. Tacoma shows 16% working from home and a median home value of $479,600. For share of 45-minute-plus commutes, Pasco is 20th of 30 Washington cities on this site.
What to have ready for a Pasco quote
- Lender name and loan number
- Roof age and material
- Current declarations pages for auto and home
- Vehicle year, make, model, and VIN
- Recent claims or violations
- Liability limits you want
Questions from Pasco drivers and homeowners
What auto insurance is required in Pasco?
Washington requires liability of 25/50/10; none beyond liability.
Do Pasco drivers have long commutes?
About 12% of Pasco workers commute 45 minutes or more and 28% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Pasco?
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 Pasco
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research