Insurance Costs in Redmond, WA
Auto insurance in Redmond averages $1,210 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Redmond, WA: What You Need to Know
Redmond residents pay an average of $1,210 per year for full coverage auto insurance, which is 15.0% below the Washington state average and 27.7% below the national average.
With a population of 73,256, Redmond is a growing city in Washington. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,210 | $101 |
| Standard Coverage (50/100/50) | $992 | $83 |
| State Minimum (25/50/10) | $508 | $42 |
Homeowners Insurance in Redmond, WA
The average cost of homeowners insurance in Redmond is $1,891 per year ($158/month), which is 3.9% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Redmond, WA
Renters insurance in Redmond averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Washington Cities
How to Save on Insurance in Redmond
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Redmond can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Redmond, WA?
The average cost of car insurance in Redmond, WA is $1,210 per year for full coverage, or about $101 per month. Minimum coverage costs around $508 per year.
Is car insurance expensive in Redmond?
Car insurance in Redmond is relatively affordable compared to many U.S. cities.
How much is home insurance in Redmond?
Homeowners insurance in Redmond costs an average of $1,891 per year. Your actual cost depends on your home's value, age, construction type, and specific location.