Bend, OR
Insuring your car and home in Bend, OR
Commute, vehicle, and housing data for Bend, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Bend has about 106,926 residents in Deschutes County. 64% of its workers drive to work alone and 62% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Bend
| Measure | Bend | Oregon |
|---|---|---|
| Drive alone to work | 64% | 64% |
| Carpool | 6% | 8% |
| Work from home | 25% | 19% |
| Commute of 45 minutes or more | 4% | 12% |
| Commute under 15 minutes | 50% | 32% |
| Households with no vehicle | 5% | 7% |
| Households with 3 or more vehicles | 21% | 24% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Bend commutes are shorter than the Oregon norm, with 4% 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: 25% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
21% of Bend households keep three or more vehicles, and 5% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Bend homeowners picture
Homes in Bend carry a median value of $718,400 and a median construction year of 2001. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,716 was the average 2023 Oregon HO-3 premium at the $700,000–$999,999 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.
Oregon auto minimums that apply in Bend
Oregon requires liability limits of at least 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50. Those are floors; with Bend's median home value at $718,400, most homeowners choose much higher liability limits to protect their equity.
Should Bend homeowners bundle?
A bundle can simplify life in Bend: 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 Bend cars and homes
Around Bend, two exposures stand out: wildfire smoke and fire seasons and ice storms. 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).
County hazard detail: FEMA National Risk Index.
Neighboring cities and Bend
In Redmond, 64% own their home and 26% of households have three or more vehicles. Portland: 49% drive alone, 10% commute 45+ minutes, median home $581,500. In Salem, 56% own their home and 18% of households have three or more vehicles. For share of 45-minute-plus commutes, Bend is 19th of 20 Oregon cities on this site.
What to have ready for a Bend quote
- VINs from registrations or the dashboard
- Your existing policies and renewal dates
- Recent claims or violations
- Everyone in the household who drives
- When the roof was replaced
- Target limits and deductibles
Bend auto and home insurance FAQ
What are the minimum car insurance limits for Bend drivers?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Bend drivers have long commutes?
About 4% of Bend workers commute 45 minutes or more and 50% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Bend?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Bend
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research