Richland, WA
Auto and home insurance in Richland, Washington
Commute, vehicle, and housing data for Richland, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Richland drivers commuting alone at a rate of 73% and homeowners making up 64% of households. Here is what that means for auto and home coverage in a city of about 64,372.
Richland driving profile
| Measure | Richland | Washington |
|---|---|---|
| Drive alone to work | 73% | 63% |
| Carpool | 8% | 8% |
| Work from home | 16% | 20% |
| Commute of 45 minutes or more | 9% | 17% |
| Commute under 15 minutes | 37% | 26% |
| Households with no vehicle | 4% | 7% |
| Households with 3 or more vehicles | 25% | 26% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Richland commutes are shorter than the Washington norm, with 9% 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.
Fewer Richland workers telecommute (16%) than the state average, which means more cars on the road at rush hour.
In Richland, 4% of households live without a car while 25% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Richland homes and homeowners coverage
The median owner-occupied home in Richland is valued at $436,700, and half of the city's homes were built before 1988. 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 $400,000–$449,999 of dwelling coverage paying an average of $1,132; 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.
Washington auto minimums that apply in Richland
Drivers in Richland 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 Richland household
A bundle can simplify life in Richland: 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 Richland
Insurers in Washington price for icy winter roads and windstorms that drop trees on cars and roofs. 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 Richland compares in Washington
Kennewick: 76% drive alone, 12% commute 45+ minutes, median home $370,700. Seattle shows 35% working from home and a median home value of $938,600. Spokane: 67% drive alone, 6% commute 45+ minutes, median home $363,500. For share of 45-minute-plus commutes, Richland is 25th of 30 Washington cities on this site.
Gathering details for a Richland auto and home quote
- Home details: size, age, construction
- Liability limits you want
- Annual mileage for each car
- Accidents, tickets, and claims from the last five years
- Your existing policies and renewal dates
- Vehicle year, make, model, and VIN
Richland auto and home insurance FAQ
What auto insurance is required in Richland?
Washington requires liability of 25/50/10; none beyond liability.
Do Richland drivers have long commutes?
About 9% of Richland workers commute 45 minutes or more and 37% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Richland?
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