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Insurance agencies · Washington
Insurance Agencies in Ellensburg, WA
Local agencies in Ellensburg for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Ellensburg
Ellensburg has 20,874 residents in 8,972 households. We list 3 insurance agencies in Ellensburg. Here is what the local numbers say about the cover people here need.
Ellensburg at a glance
- 3insurance agencies listed
- 67.1%of households rentRenters insurance
- $404,100median home valueHome insurance
- 1991median year homes were builtRebuild cost calculator
- 7.8%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Kittitas County
FEMA rates the overall natural hazard risk in Kittitas County, where most Ellensburg agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Wildfire
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Washington
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Washington
Washington requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in WashingtonHow much liability cover do you need?
Source: app.leg.wa.gov. Checked 2026-10-24.
Questions
Insurance agencies in Ellensburg
How do I find an insurance agency in Ellensburg?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Ellensburg?
FEMA's National Risk Index rates inland flooding risk in Kittitas County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Ellensburg?
67.1% of households in Ellensburg rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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