Sammamish, WA
Insuring your car and home in Sammamish, WA
Commute, vehicle, and housing data for Sammamish, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Sammamish has about 66,474 residents in King County. 50% of its workers drive to work alone and 83% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Sammamish
| Measure | Sammamish | Washington |
|---|---|---|
| Drive alone to work | 50% | 63% |
| Carpool | 5% | 8% |
| Work from home | 39% | 20% |
| Commute of 45 minutes or more | 18% | 17% |
| Commute under 15 minutes | 18% | 26% |
| Households with no vehicle | 2% | 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.
About 18% of Sammamish 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.
Remote work is common here: 39% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 25% of households in Sammamish have at least three vehicles (Washington: 26%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Sammamish
Census figures put Sammamish's median home value at $1,407,300 (Washington: $564,600) and its median year built at 1994. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
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.
Washington auto minimums that apply in Sammamish
Drivers in Sammamish 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.
Bundling auto and home in Sammamish
With 83% of households owning their home, bundling is an option for most Sammamish families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Sammamish
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.
Sammamish compared with nearby cities
Seattle: 37% drive alone, 14% commute 45+ minutes, median home $938,600. Bellevue shows 36% working from home and a median home value of $1,340,300. In Kent, 57% own their home and 25% of households have three or more vehicles. Sammamish ranks 9th for long commutes among the 30 Washington cities we profile.
Sammamish quote checklist
- Annual mileage for each car
- Your existing policies and renewal dates
- Target limits and deductibles
- Recent claims or violations
- Vehicle year, make, model, and VIN
- Roof age and material
Sammamish auto and home insurance FAQ
What auto insurance is required in Sammamish?
Washington requires liability of 25/50/10; none beyond liability.
Do Sammamish drivers have long commutes?
About 18% of Sammamish workers commute 45 minutes or more and 18% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Sammamish?
There is no single price. As context, Washington HO-3 policies averaged $1,232 in 2023 (NAIC), and averages rise with dwelling coverage.
More Washington cities
Auto and home insurance in Washington
Last updated October 15, 2026 · How we research