120+ more*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Kennewick drivers pay an average monthly rate of $85 for state-minimum coverage and $158 for full-coverage car insurance.
That’s cheaper than other Washington cities like Seattle, and slightly lower than the average costs in nearby Spokane. Kennewick has an average commute time of 21 minutes, which means drivers may spend less time on the road than in larger metro areas.[1]
Liability policies average $85/mo.
Kennewick drivers must carry at least $25,000 per person in bodily injury liability coverage, $50,000 per accident, and $10,000 in property damage liability coverage to meet Washington’s car insurance requirements.[2] State Farm offers the cheapest average rate for liability insurance in Kennewick.
Here, you can see the cheapest rates for liability-only car insurance in Kennewick.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $52 |
| Root | $54 |
| Progressive | $73 |
| The General | $73 |
| American Family | $76 |
| National General | $76 |
| GEICO | $77 |
| Direct Auto | $80 |
| Allstate | $84 |
| Chubb | $86 |
| Safeco | $89 |
| Farmers | $90 |
| Bristol West | $104 |
| Dairyland | $104 |
| Travelers | $104 |
| Liberty Mutual | $147 |
Full-coverage car insurance in Kennewick costs an average of $158 per month, which is slightly higher than in Longview but well below the average cost in Tacoma. Drivers may want to opt for full coverage due to the city’s risk of flooding.[3]
The following table shows the cheapest rates for full-coverage car insurance in Kennewick.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $101 |
| USAA | $104 |
| Root | $128 |
| GEICO | $130 |
| Progressive | $131 |
| Safeco | $132 |
| National General | $140 |
| Allstate | $147 |
| Direct Auto | $149 |
| American Family | $153 |
| The General | $162 |
| Chubb | $169 |
| Farmers | $178 |
| Travelers | $208 |
| Liberty Mutual | $221 |
| Bristol West | $237 |
| Dairyland | $244 |
Federal Way is the most expensive Washington city for car insurance, at $184 per month, according to Insurify data. Bellingham is the cheapest, at $106. Kennewick averages $122 per month, putting it on the lower end of this list.
Kennewick is located in Benton County, which had just 177 vehicle thefts during the first half of 2025, according to National Insurance Crime Bureau (NICB) data. In comparison, Federal Way is in King County, which had 4,659 vehicle thefts during that same period.
The table below shows average monthly quotes for Kennewick and other Washington cities so you can see how prices vary in different parts of the state.
City | Average Monthly Quote |
|---|---|
| Bellingham | $106 |
| Longview | $112 |
| Olympia | $121 |
| Spokane | $124 |
| Vancouver | $144 |
| Bothell | $149 |
| Redmond | $157 |
| Bellevue | $159 |
| Renton | $160 |
| Seattle | $166 |
| Tacoma | $172 |
| Auburn | $175 |
| Federal Way | $184 |
*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects your car insurance premiums, but you may be able to save by switching to another insurer in Kennewick.
Here, you can see the cheapest insurers for people with different driving histories:
Cheapest car insurance for Kennewick drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Kennewick: State Farm
Cheapest car insurance for Kennewick drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Kennewick: State Farm
In Kennewick, 6.8% of drivers have a speeding ticket on their record, according to Insurify data. That’s higher than in other Washington cities. But 4.8% have an at-fault accident, and 0.7% have a DUI, which are comparable to the rates in other cities.
Here, you can see the average monthly quotes for people with different driving records in Kennewick.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $122 |
| Speeding ticket | $161 |
| At-fault accident | $168 |
| DUI | $167 |
Here are some things to look out for to drive safely in Kennewick:
Risk of flooding: Kennewick has identified drainage and flooding issues near parts of South Washington Street and West Fifth Avenue. To protect yourself and your vehicle, avoid driving through standing water after a heavy rainfall.
Wind and blowing dust: The Tri-Cities region frequently experiences strong winds and blowing dust, especially during the spring, summer, and fall.[4] These high winds can come on suddenly and reduce your driving visibility, so if you see a dust storm approaching, pull off the roadway and wait for it to pass. These storms could also be a good reason to consider adding roadside assistance to your coverage.
Distracted driving laws: Washington has a strict ban on using your phone while driving, including at stoplights. If you’re caught using your phone on a public road, you’ll receive a traffic infraction and have to pay a fine.[5]
Traffic and congestion: Kennewick traffic is moderate compared to other parts of the state, but it does experience congestion on U.S. Route 395 and State Route 240 during rush hour.[6] If you regularly commute to work, check the traffic reports before leaving.
Kennewick’s U.S. Route 395 corridor, especially along the Blue Bridge to Pasco, can slow during rush hour traffic. Spending more time in traffic can increase your risk of car accidents and the likelihood you’ll need to file a claim.
Kennewick has also struggled with pedestrian safety, with a 2022 report naming Benton County the sixth-worst county for pedestrian and bicyclist deaths per capita.[7]
Check quotes from 120+ top insurance companies
Teen drivers who are at least 16 and have had their permit for six months or more can apply for their driver’s license. But the laws are changing. As of Nov. 1, 2026, first-time drivers younger than 25 must also pass a free online course on work zones and first responder safety.[8]
State Farm is the cheapest insurer for teen drivers in Kennewick, on average. The following table shows the cheapest rates for teenage drivers in Kennewick.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $87 |
| USAA | $100 |
| State Farm | $104 |
| The General | $139 |
| GEICO | $147 |
| Progressive | $149 |
| American Family | $151 |
| National General | $158 |
| Direct Auto | $164 |
| Allstate | $172 |
| Chubb | $183 |
| Farmers | $188 |
| Dairyland | $190 |
| Safeco | $191 |
| Bristol West | $194 |
| Travelers | $225 |
| Liberty Mutual | $272 |
In Washington, drivers must renew their driver’s license in person and pass a mandatory vision screening once they reach age 70.[9] State Farm is the cheapest insurer for senior drivers in Kennewick.
The following table shows rates available for seniors from the cheapest insurers in the area.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| USAA | $42 |
| Root | $50 |
| National General | $60 |
| American Family | $61 |
| GEICO | $62 |
| The General | $62 |
| Progressive | $64 |
| Chubb | $65 |
| Direct Auto | $66 |
| Farmers | $72 |
| Allstate | $74 |
| Safeco | $78 |
| Travelers | $84 |
| Bristol West | $87 |
| Dairyland | $88 |
| Liberty Mutual | $123 |
Auto insurance in Kennewick is already pretty affordable, and you can find the best rates with the right insurance company. Here’s some additional information about finding the most affordable car insurance in Kennewick.
Drivers pay an average monthly rate of $122 for car insurance in Kennewick. But your exact rate will depend on your deductible, coverage options, location, age, and personal risk factors.
State Farm is the cheapest insurer in Washington, with an average rate of $58 per month for liability coverage. The most affordable full coverage comes from State Farm, with an average rate of $116 per month.
The average cost of car insurance in Washington state is $140 per month, which is more expensive than Kennewick’s average of $122. Kennewick’s relatively short average commute may help keep its insurance premiums low.
You can find cheap Kennewick car insurance by bundling your auto and homeowners insurance or renters insurance, choosing a higher deductible, and maintaining a good driving record.
Washington requires all drivers to carry at least $25,000 per person in bodily injury liability coverage, $50,000 per accident, and $10,000 in property damage liability coverage. But this may not be enough, so you might want to consider full coverage, which also includes comprehensive coverage and collision coverage.
Available discounts can depend on your insurer, which is why it’s important to shop around and compare auto insurance quotes. Washington drivers 55 or older may qualify for a discount after completing an approved driving course.
Yes. Both State Farm and Farmers have a number of local agents available in Kennewick. A local insurance agent can explain your coverage options and give you a personalized quote.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
