Renton, WA
Renton, WA car and homeowners insurance
How Renton households can compare car and home coverage, with local Census data. A quote is not a binder.
Renton has about 107,000 residents in King County. 62% of its workers drive to work alone and 54% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Renton
| Measure | Renton | Washington |
|---|---|---|
| Drive alone to work | 62% | 63% |
| Carpool | 10% | 8% |
| Work from home | 22% | 20% |
| Commute of 45 minutes or more | 22% | 17% |
| Commute under 15 minutes | 16% | 26% |
| Households with no vehicle | 8% | 7% |
| Households with 3 or more vehicles | 20% | 26% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are longer in Renton than statewide: 22% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 22% of Renton workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
20% of Renton households keep three or more vehicles, and 8% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Renton
Census figures put Renton's median home value at $672,600 (Washington: $564,600) and its median year built at 1988. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $1,460 was the average 2023 Washington HO-3 premium at the $600,000–$699,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Renton drivers
Washington requires liability limits of at least 25/50/10. Other required coverage: none beyond liability. Those are floors; with Renton's median home value at $672,600, most homeowners choose much higher liability limits to protect their equity.
Should Renton homeowners bundle?
A bundle can simplify life in Renton: 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 Renton cars and homes
Around Renton, two exposures stand out: wildfire east of the Cascades and windstorms that drop trees on cars and roofs. 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.
Renton compared with nearby cities
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: 68% drive alone, 23% commute 45+ minutes, median home $587,800. Renton ranks 5th for long commutes among the 30 Washington cities we profile.
Gathering details for a Renton auto and home quote
- Your existing policies and renewal dates
- Lender name and loan number
- Commute distance and typical yearly miles
- Your Renton address, square footage, and year built
- Vehicle year, make, model, and VIN
- Roof age and material
Questions from Renton drivers and homeowners
What auto insurance is required in Renton?
Washington requires liability of 25/50/10; none beyond liability.
Do Renton drivers have long commutes?
About 22% of Renton workers commute 45 minutes or more and 16% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Renton?
There is no single price. As context, Washington HO-3 policies averaged $1,232 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research