Redmond, WA
Auto and home insurance in Redmond, Washington
How Redmond households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Redmond drivers commuting alone at a rate of 46% and homeowners making up 43% of households. Here is what that means for auto and home coverage in a city of about 82,195.
Redmond driving profile
| Measure | Redmond | Washington |
|---|---|---|
| Drive alone to work | 46% | 63% |
| Carpool | 6% | 8% |
| Work from home | 38% | 20% |
| Commute of 45 minutes or more | 10% | 17% |
| Commute under 15 minutes | 29% | 26% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 13% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Redmond commutes are shorter than the Washington norm, with 10% 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.
Remote work is common here: 38% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In Redmond, 8% of households live without a car while 13% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Redmond homeowners picture
The median owner-occupied home in Redmond is valued at $1,167,800, and half of the city's homes were built before 1993. The Washington median value is $564,600. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Washington HO-3 policyholders with $1,000,000 and over of dwelling coverage paying an average of $2,684; 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.
Required auto coverage for Redmond drivers
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.
One insurer or two for a Redmond household
A bundle can simplify life in Redmond: 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 Redmond
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.
County hazard detail: FEMA National Risk Index.
How Redmond compares in Washington
Seattle shows 35% working from home and a median home value of $938,600. Bellevue: 46% drive alone, 11% commute 45+ minutes, median home $1,340,300. Kent shows 14% working from home and a median home value of $587,800. For share of 45-minute-plus commutes, Redmond is 24th of 30 Washington cities on this site.
What to have ready for a Redmond quote
- When the roof was replaced
- Target limits and deductibles
- Your existing policies and renewal dates
- Mortgage company for the home
- Annual mileage for each car
- Drivers' names and dates of birth
Questions from Redmond drivers and homeowners
What auto insurance is required in Redmond?
Washington requires liability of 25/50/10; none beyond liability.
How long are commutes in Redmond?
About 10% of Redmond workers commute 45 minutes or more and 29% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Redmond?
There is no single price. As context, Washington HO-3 policies averaged $1,232 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Redmond
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research