Cheapest Auto Insurance in Kennewick, Washington (2026)
State Farm offers the cheapest car insurance in Kennewick, with minimum-coverage policies as low as $50 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byEvelyn Pimplaskar
)
Evelyn PimplaskarEditor-in-Chief, Director of Content
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byAnna Baluch
)
Anna BaluchAuto and Home Insurance Writer
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
){kind=small}
){kind=small}
)
Reviewed byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
The average cost of full-coverage car insurance in Kennewick is $141 per month, compared to the Washington statewide average of $161. 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.
Quick Facts
State Farm offers the cheapest liability-only coverage in Kennewick, and State Farm has the lowest full-coverage rates, Insurify data shows.
Kennewick drivers can find affordable car insurance through State Farm, USAA, and Allstate, 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 | $115 | $58 | Young drivers |
| USAA | 9.1 | $117 | $60 | Military families |
| GEICO | 9.2 | $153 | $99 | Senior drivers |
Disclaimer: Table data sourced from real-time Kennewick car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kennewick may vary based on the policy buyer's unique driver profile.
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 55,000 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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $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. | $98/mo |
4.0
Best choice in Kennewick, WABased on 16,176 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Customer service
Competitive rates
Discounts for safe drivers
Showing 33 Washington reviews for Kennewick drivers - See all 7,246 State Farm reviews
Jerome
Verified Review
Don't get State Farm
Reviewed in Washington on March 18, 2026
State Farm is terrible. They raise your rates and then refuse to tell you why when asked. They also won’t return your calls regarding the rate increase.
Douglas
Verified Review
False Advertisement
Reviewed in Washington on March 8, 2026
I left State Farm thinking perhaps I could find a better price, now that I don't drive as much. I switched to Progressive. Progressive offered me a great deal, but after signing with them, they began immediately to raise their rates. I contacted them and was told the original offer was a promotion and that it was described in the fine print. I have looked back several times and can find no fine print stating that. I will return to State Farm.
Thomas
Verified Review
Sad & Lonely
Reviewed in Washington on March 3, 2026
Incredible price differences depending on the agent.
Janet
Verified Review
I have been insured with State Farm for over 30 years, even though they keep increasing my payments. In August, I had a slight fender bender that was not my fault, and no one at State Farm would help me until late November when I stopped in, once again, to see if the other party had filed a claim. A young man, whom I had never talked to before, told me we could file a claim ourselves. I was astounded, and within a month, it was settled.
Reviewed in Washington on March 2, 2026
I have been insured with State Farm for over 30 years, even though they keep increasing my payments. In August, I had a slight fender bender that was not my fault, and no one at State Farm would help me until late November when I stopped in, once again, to see if the other party had filed a claim. A young man, whom I had never talked to before, told me we could file a claim ourselves. I was astounded, and within a month, it was settled.
John
Verified Review
So So
Reviewed in Washington on February 8, 2026
Rates go up every 6 months.
Larry
Verified Review
Excellent
Reviewed in Washington on February 8, 2026
Premium too high.
Nancy
Verified Review
Insurance
Reviewed in Washington on February 6, 2026
I just started with State Farm, so I don't know too much yet.
Tommy
Verified Review
Very Good
Reviewed in Washington on February 4, 2026
Very good, easy application process.
Terry
Verified Review
Poor
Reviewed in Washington on January 27, 2026
They keep raising my insurance and I don't even drive over 50 miles a week. I'm going to look for better insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Competitively low rates
Discounts for teens and young drivers
Rideshare coverage available
Cons
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. | 9.1 /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. | $51/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. | $100/mo |
4.9
Best choice in Kennewick, WABased on 3,210 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Members of the military community
Outstanding customer service
Competitive rates
Showing 12 Washington reviews for Kennewick drivers - See all 1,498 USAA reviews
Gary
Verified Review
Rate Increases a Concern
Reviewed in Washington on December 21, 2025
No complaints about coverage, but they tend to raise rates frequently. It's challenging for those of us on a fixed income. Many of my friends have also decided not to keep their insurance due to these increases.
Fred
Verified Review
Excellent
Reviewed in Washington on December 11, 2025
Great, just expensive.
James
Verified Review
Rising premium costs causing me to look around
Reviewed in Washington on November 16, 2025
Claims processing is efficient, but as time goes on, cost is an issue, so I’m looking to replace USAA.
John Robert
Verified Review
No other review factors
Reviewed in Washington on October 31, 2025
The best insurance company in America!
Patrick
Verified Review
USAA Evaluation
Reviewed in Washington on August 12, 2025
Super for 55+ years.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 31, 2025
Top Notch! Best Insurance for Veterans!
William
Verified Review
May find more affordable.
Reviewed in Washington on July 10, 2025
Great service, too high premiums.
Norman
Verified Review
USAA Value
Reviewed in Washington on June 7, 2025
Expensive for coverage.
Alberta
Verified Review
I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.
Reviewed in Washington on May 2, 2025
I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Low rates for most drivers
Usage-based car insurance program
High customer satisfaction ratings
Cons
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 | 3.9 |
|---|---|
| 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. | 9.2 /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. | $85/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. | $131/mo |
3.9
A solid option in Kennewick, WABased on 16,435 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Kennewick for
Teen drivers
Cheap rates
Accident forgiveness
Showing 29 Washington reviews for Kennewick drivers - See all 7,480 GEICO reviews
Ryan
Verified Review
I have been with them for over 10 years, and after one minor accident, my monthly premium has increased by $125.
Reviewed in Washington on March 4, 2026
I have been with them for over 10 years, and after one minor accident, my monthly premium has increased by $125.
William
Verified Review
Poor Claim Service
Reviewed in Washington on February 23, 2026
My car was hit in the US Bank parking lot while parked. I filed a claim but have heard nothing from Geico.
Crystal
Verified Review
Good but Expensive
Reviewed in Washington on February 16, 2026
Good overall, but almost $200 is too expensive for full coverage for my older Hyundai Sonata.
Lynn
Verified Review
Shop Around
Reviewed in Washington on February 12, 2026
So far, so good. Better rates than Geico.
Preyaa
Verified Review
Superb
Reviewed in Washington on February 12, 2026
It was very easy to communicate with customer care. It covers rental cars if we take one while traveling and also covers guests.
Adriana
Verified Review
GeiNo: An Atrocious Experience
Reviewed in Washington on February 4, 2026
Terrible would be an improvement. After 9 years as a customer in good standing, I have been treated with indifference to flat-out rudeness. Two months ago, my car was in a wreck, and I was not at fault. I still have not received payment. My adjuster changed three times without my being informed. The current adjuster responds whenever it suits her. Communication throughout the whole experience has been abysmal. No response to texts or emails. When calls are returned, I'm fed misinformation or flat-out lies. Still waiting for a check, but every time I reach out, I get no response. Look elsewhere for insurance.
Penny
Verified Review
Unhappy
Reviewed in Washington on January 15, 2026
Too expensive and they raised the rates without telling me.
Ernest
Verified Review
Run as fast as you can from Geico
Reviewed in Washington on January 11, 2026
Geico will raise your rate to 5 times anybody else rather than just cancel you. I saved 80% switching to Allstate with exactly the same coverage and deductible. Geico now joins with Allstate as my two "never again" companies. 20+ years with both and both tried to run me into poverty at the end.
Kathleen
Verified Review
Transparency
Reviewed in Washington on January 11, 2026
Excellent
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Many advertised discounts for senior drivers
Offers accident forgiveness coverage
Robust mobile app
Cons
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.
Find Cheap Car Insurance in Kennewick
Liability rates start at $50 per month
Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Kennewick: State Farm
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 $79 per month for minimum-coverage car insurance, according to Insurify data. Here’s a look at the cheapest liability insurance options in Kennewick.
The below rates in Kennewick, WA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $51 |
| Allstate | $66 |
| Direct Auto | $69 |
| Progressive | $75 |
| American Family | $75 |
| National General | $76 |
| Nationwide | $77 |
| The General | $79 |
| Chubb | $83 |
| GEICO | $85 |
| Farmers | $88 |
| Safeco | $89 |
| Dairyland | $99 |
| Travelers | $102 |
| Bristol West | $103 |
| Liberty Mutual | $177 |
Disclaimer: Table data sourced from real-time Kennewick car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kennewick may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Kennewick: State Farm
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 $141 per month.
The following table shows rates from top companies that sell car insurance in Kennewick.
The below rates in Kennewick, WA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $98 |
| USAA | $100 |
| Direct Auto | $123 |
| Allstate | $130 |
| GEICO | $131 |
| Safeco | $132 |
| National General | $139 |
| The General | $142 |
| American Family | $148 |
| Nationwide | $152 |
| Chubb | $164 |
| Progressive | $165 |
| Farmers | $173 |
| Travelers | $201 |
| Liberty Mutual | $209 |
| Bristol West | $231 |
| Dairyland | $235 |
Disclaimer: Table data sourced from real-time Kennewick car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kennewick may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Kennewick, Washington
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $101/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 March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 19, 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 March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
The below rates in Kennewick, WA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $50 | $65 | $67 | $70 |
| USAA | $51 | $67 | $70 | $72 |
| Allstate | $66 | $88 | $90 | $93 |
| Direct Auto | $69 | $88 | $96 | $97 |
| Progressive | $75 | $98 | $103 | $99 |
| American Family | $75 | $100 | $103 | $105 |
| National General | $76 | $97 | $103 | $107 |
| Nationwide | $77 | $102 | $106 | $108 |
| The General | $79 | $108 | $111 | $111 |
| Chubb | $83 | $108 | $112 | $117 |
| GEICO | $85 | $114 | $113 | $118 |
| Farmers | $88 | $115 | $120 | $124 |
| Safeco | $89 | $120 | $127 | $133 |
| Dairyland | $99 | $127 | $134 | $139 |
| Travelers | $102 | $135 | $140 | $143 |
| Bristol West | $103 | $133 | $138 | $145 |
| Liberty Mutual | $177 | $230 | $240 | $249 |
Disclaimer: Table data sourced from real-time Kennewick car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kennewick may vary based on the policy buyer's unique driver profile.
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 |
Disclaimer: Table data is based on real-time Kennewick quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Kennewick, WA
Liability rates start as low as $50 per month
Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
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
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $93 for liability coverage and $161 stack up favorably to national averages of $99 and $173, 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 $141 per month for full-coverage car insurance and $79 for liability-only policies.
Which companies have the cheapest car insurance in Kennewick?
State Farm offers the lowest liability-only car insurance rates for Kennewick drivers, starting at $50 per month.
USAA and Allstate, the city’s second- and third-cheapest car insurance companies, also offer low liability rates — $51 and $66 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 190 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:
- 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
)
Cheapest Car Insurance Quotes in Washington
March 19, 2026
)
Best Car Insurance in Washington
March 18, 2026
)
Cheap SR-22 Insurance in Washington
March 19, 2026
)
Temporary Car Insurance in Washington: What You Need to Know
March 19, 2026
)
Car Insurance Requirements in Washington
March 19, 2026
)
Average Car Insurance Cost in Washington
July 8, 2025
)
Same-Day Car Insurance: How to Start a Policy Today
March 19, 2026
)
The 10 Largest Auto Insurance Companies in the U.S.
March 19, 2026
)
Cheapest Car Insurance Quotes in Vancouver, WA
March 19, 2026
)
Cheap Car Insurance in Tacoma, WA, Starting at $75
March 19, 2026
)
Cheap Car Insurance Quotes in Spokane, WA, From $54
March 19, 2026
)
Best Cheap Car Insurance in Seattle, WA, From $72
March 19, 2026
Same-Day Car Insurance: How to Start a Policy Today
March 19, 2026
The 10 Largest Auto Insurance Companies in the U.S.
March 19, 2026
)
How Long Does It Take to Get Car Insurance?
March 19, 2026
)
Best Car Insurance Comparison Sites
March 19, 2026
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 PimplaskarEditor-in-Chief, Director of Content
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.
Featured in
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.
Anna BaluchAuto and Home Insurance Writer
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
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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.