Redmond, OR
Insuring your car and home in Redmond, OR
Commute, vehicle, and housing data for Redmond, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Redmond (37,626 people), 70% of workers commute by driving alone, compared with 64% across Oregon. Homeownership runs at 64%.
Cars, commutes, and households in Redmond
| Measure | Redmond | Oregon |
|---|---|---|
| Drive alone to work | 70% | 64% |
| Carpool | 11% | 8% |
| Work from home | 14% | 19% |
| Commute of 45 minutes or more | 7% | 12% |
| Commute under 15 minutes | 42% | 32% |
| Households with no vehicle | 6% | 7% |
| Households with 3 or more vehicles | 26% | 24% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Redmond commutes are shorter than the Oregon norm, with 7% 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 Redmond workers telecommute (14%) than the state average, which means more cars on the road at rush hour.
In Redmond, 6% of households live without a car while 26% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Redmond
Homes in Redmond carry a median value of $462,500 and a median construction year of 2002. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Oregon HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $1,064; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Redmond
Oregon requires liability limits of at least 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50. Those are floors; with Redmond's median home value at $462,500, most homeowners choose much higher liability limits to protect their equity.
Should Redmond homeowners bundle?
With 64% of households owning their home, bundling is an option for most Redmond families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Redmond cars and homes
Plan for wet winter driving, along with ice storms. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Redmond compares in Oregon
In Bend, 62% own their home and 21% of households have three or more vehicles. Portland: 49% drive alone, 10% commute 45+ minutes, median home $581,500. Salem: 65% drive alone, 12% commute 45+ minutes, median home $416,900. For share of 45-minute-plus commutes, Redmond is 14th of 20 Oregon cities on this site.
Redmond quote checklist
- Your Redmond address, square footage, and year built
- Liability limits you want
- Recent claims or violations
- When the roof was replaced
- VINs from registrations or the dashboard
- Current declarations pages for auto and home
Redmond auto and home insurance FAQ
What auto insurance is required in Redmond?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Redmond drivers have long commutes?
About 7% of Redmond workers commute 45 minutes or more and 42% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Redmond?
Prices depend on the home and coverage. The NAIC's 2023 Oregon HO-3 average was $1,003; see the Oregon page.
Other city guides near Redmond
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research