10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Updated November 20, 2024
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Table of contents
The average cost of full-coverage car insurance in Kennewick is $115 per month, compared to the Washington statewide average of $153. The city’s population of around 85,000 could contribute to its lower car insurance rates, as less congested cities tend to have fewer traffic accidents.
But location is only one factor that influences car insurance costs, so your rates could be lower or higher than the city’s average. Comparing car insurance quotes from multiple companies is the best way to ensure you’re getting the coverage you need at the best price available to you.
Direct Auto offers the cheapest liability-only coverage in Kennewick, and Direct Auto has the lowest full-coverage rates, Insurify data shows.
Kennewick drivers can find affordable car insurance through Direct Auto, State Farm, and USAA, the city’s three cheapest insurers.
Kennewick had a low fatality rate in 2023: Nine of the city’s 1,214 crashes were fatal.[1]
3 of the cheapest car insurance companies in Kennewick
If you’re seeking cheap car insurance in Kennewick, consider a number of factors, like your budget, driving record, and auto insurance coverage needs. It’s a good idea to get quotes from multiple car insurance companies to see where you can land the best deal.
To help you with your search for a cheap policy, here are three of the best car insurance companies in Kennewick and why they stand out.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
State Farm | 9.3 | $119 | $52 | Young drivers |
USAA | 9.4 | $121 | $53 | Military families |
GEICO | 9.0 | $146 | $64 | Senior drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for young drivers: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
Kennewick is home to students attending schools such as Kennewick High School, Southridge High School, Kamiakin High School, and Columbia Basin College.
State Farm offers a variety of discounts for these students and other young drivers, including for being a good student, a student away at school, or passing an approved driver training course. These discounts can help young adults save money on an auto insurance policy in Kennewick.
Competitively low rates
Discounts for teens and young drivers
Rideshare coverage available
Doesn’t offer gap insurance
Accident forgiveness coverage not available
Can only get a policy through an agent
Best insurer for military families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
More than 1,000 veterans live in Kennewick, according to U.S. Census data. The Tri-Cities area of Kennewick, Pasco, and Richland is home to U.S. Coast Guard, Army, and National Guard facilities.
Veterans and military members in the area can score cheap car insurance rates with USAA. The company offers car insurance and other financial services to active-duty members of the military, veterans, and their qualifying family members.
Low rates for most drivers
Usage-based car insurance program
High customer satisfaction ratings
Only available to members of the military community
Doesn’t offer gap insurance
No 24/7 customer phone support
Best insurer for senior drivers: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
Around 16.1% of Kennewick residents are seniors who can turn to GEICO for affordable car insurance coverage. GEICO offers a Prime Time contract for policyholders at least 50 years old without any violations in the past three years.[2] It ensures premiums won’t increase.
Senior drivers can also take advantage of other discounts, like a defensive driving discount or a retired government and military discount.
Many advertised discounts for senior drivers
Offers accident forgiveness coverage
Robust mobile app
Limited local independent agent network
Fewer add-on coverages than other insurers
Higher rates for drivers with certain violations
How to get the cheapest car insurance in Kennewick
While it may be tempting to go with the first car insurance policy you come across, doing so can cost you. With these tips, you can zero in on the best rate and coverage in Kennewick:
Shop around. Get car insurance quotes from multiple insurers to find the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an online quote-comparison platform or a knowledgeable local agent in Kennewick to help you find the right insurance.
Look for discounts. Most car insurance companies offer discounts that can lower your car insurance costs. A good student discount, auto-pay discount, home insurance discount, and anti-theft device discount are a few examples of popular discounts.
Bundle insurance. If you purchase your auto insurance with homeowners insurance, renters insurance, life insurance, and business insurance, you can typically enjoy savings on your premiums, as long as you use the same agency for all policies.
Look into usage-based insurance. Usage-based insurance might make sense if you’re an infrequent driver. You’ll only pay for the miles you drive, plus a monthly base rate.
Cheapest liability-only car insurance in Kennewick: Direct Auto
Washington State requires that Kennewick drivers buy at least the state’s minimum amount of liability car insurance. If you cause an accident, your liability coverage will pay for the other driver’s property damage and medical bills. Because it doesn’t protect your car, liability-only coverage is the cheapest type of policy available.
On average, Kennewick drivers pay $62 per month for minimum-coverage car insurance, according to Insurify data. Here’s a look at the cheapest liability insurance options in Kennewick.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Direct Auto | $37 |
State Farm | $41 |
USAA | $41 |
GEICO | $50 |
Allstate | $54 |
American Family | $61 |
Safeco | $62 |
Nationwide | $63 |
National General | $65 |
Chubb | $68 |
Farmers | $72 |
The General | $75 |
Travelers | $84 |
Foremost | $92 |
Dairyland | $95 |
Bristol West | $99 |
Liberty Mutual | $122 |
Cheapest full-coverage car insurance in Kennewick: Direct Auto
Full-coverage car insurance usually combines three coverage types: liability, collision, and comprehensive. Collision can help repair your car if it’s damaged in a collision with another vehicle or an object, such as a light pole. Comprehensive coverage can pay to repair or replace your car if it’s stolen, or damaged by vandalism or weather events.
Although full-coverage is optional, if you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage. The average cost of full-coverage car insurance in Kennewick is $115 per month.
The following table shows rates from top companies that sell car insurance in Kennewick.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Direct Auto | $60 |
State Farm | $93 |
USAA | $94 |
Safeco | $98 |
GEICO | $114 |
National General | $115 |
Allstate | $123 |
Liberty Mutual | $123 |
The General | $136 |
American Family | $140 |
Nationwide | $144 |
Chubb | $155 |
Farmers | $163 |
Travelers | $190 |
Dairyland | $215 |
Bristol West | $226 |
Foremost | $254 |
Cheapest recent rates near Kennewick, Washington
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $51/mo for full coverage in Kennewick and other Washington cities.
*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Washington
Washington is an at-fault state, meaning the car insurance of the driver who caused the accident pays for the damages and injuries of the other driver and their passengers.
Drivers in Washington must carry a minimum amount of liability insurance or face hefty fines and other penalties. Here are the minimum-coverage requirements in Washington:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $10,000 per accident |
These additional coverages may be worthwhile if you’d like to reduce out-of-pocket costs and ensure you’re financially protected while driving:
Comprehensive coverage
Comprehensive coverage is designed to protect against damage from non-collision events, like fires, theft, vandalism, and harsh weather.
Collision coverage
Collision coverage pays for damages that arise from your vehicle colliding with another vehicle or object.
Gap coverage
If your financed or leased vehicle gets totaled, gap coverage will pay the difference between your outstanding loan balance and your car insurance payout.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage may apply if you get into an accident with a driver who lacks sufficient car insurance coverage.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents that can increase car insurance rates. Car insurers perceive people with these types of incidents as high-risk drivers and charge them higher premiums as a result. Kennewick drivers with a clean record tend to secure the cheapest rates.
Here are the average car insurance quotes in Kennewick based on driving history.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Direct Auto | $37 | $50 | $53 | $63 |
State Farm | $41 | $55 | $57 | $69 |
USAA | $41 | $55 | $58 | $69 |
GEICO | $50 | $67 | $70 | $85 |
Allstate | $54 | $73 | $76 | $91 |
American Family | $61 | $82 | $86 | $103 |
Safeco | $62 | $84 | $86 | $97 |
Nationwide | $63 | $86 | $89 | $107 |
National General | $65 | $88 | $91 | $110 |
Chubb | $68 | $93 | $96 | $115 |
Farmers | $72 | $96 | $101 | $122 |
The General | $75 | $103 | $107 | $127 |
Travelers | $84 | $114 | $119 | $142 |
Foremost | $92 | $133 | $137 | $156 |
Dairyland | $95 | $128 | $132 | $161 |
Bristol West | $99 | $134 | $139 | $167 |
Liberty Mutual | $122 | $176 | $182 | $206 |
Average cost of car insurance by age
Your age can play a vital role in your car insurance costs. Teen drivers and young adults with a license usually pay the most for an auto policy. Their limited driving experience and greater risk of accidents make them higher-risk drivers.
Premiums begin to decrease after 25 and increase again around age 70. This is because common age-related changes to vision and reflexes put senior drivers at greater risk of being in an accident.
The table below shows the cheapest car insurance quotes for Kennewick residents, by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $316 |
20s | $223 |
30s | $171 |
40s | $159 |
50s | $136 |
60s | $130 |
70s | $136 |
Kennewick car insurance quotes by credit tier
The state of Washington allows car insurance companies to consider credit history when they review car insurance applications and determine rates. Drivers with good to excellent credit can land at lower rates than drivers with poor credit, as insurance industry data indicates they’re less likely to file a claim.
Here’s a look at the average premiums for Kennewick residents with different credit tiers.
Rates by Credit Tier
Kennewick car insurance FAQs
Kennewick drivers benefit from some of the lowest car insurance rates in the state. And Washington’s average monthly car insurance rates of $76 for liability coverage and $153 stack up favorably to national averages of $104 and $204, respectively.
Here are answers to some commonly asked questions about car insurance that could help you save even more in Kennewick.
How much is car insurance in Kennewick?
On average, Kennewick drivers pay $115 per month for full-coverage car insurance and $62 for liability-only policies.
Which companies have the cheapest car insurance in Kennewick?
Direct Auto offers the lowest liability-only car insurance rates for Kennewick drivers, starting at $37 per month.
State Farm and USAA, the city’s second- and third-cheapest car insurance companies, also offer low liability rates — $41 and $41 per month, respectively.
What are the best car insurance companies in Kennewick?
State Farm, GEICO, and USAA are among the best car insurance companies in Kennewick. All three insurers scored above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study. Each also has favorable financial strength ratings from AM Best.
Kennewick drivers looking for a balance of competitive rates, plentiful discounts, and good customer service should consider starting their search with these insurers.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Washington
Sources
- Washington State Department of Transportation. "Summary Reports."
- GEICO. "Seniors & Drivers Over 50 Could Save With GEICO Insurance."
- Washington State Department of Licensing. "Mandatory insurance."
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.
Before joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as tax editor for Credit Karma, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.
Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.
Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in