Cheapest Auto Insurance in Kennewick, Washington (2024)

State Farm offers the cheapest car insurance in Kennewick, with minimum-coverage policies as low as $44 per month.

Evelyn 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.

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Anna Baluch
Edited byAnna Baluch
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Anna BaluchInsurance 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.

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Updated June 12, 2024

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Cheapest recent rates near Kennewick, Washington

Drivers in and around Kennewick, Washington have found policies from GEICO, Liberty Mutual, Farmers, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Kennewick, Washington within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of full-coverage car insurance in Kennewick is $152 per month, compared to the Washington statewide average of $181. 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 Direct Auto has the lowest full-coverage rates, Insurify data shows.

  • Kennewick drivers can find affordable car insurance through State Farm, USAA, and Direct Auto, 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$118$55Young drivers
USAA4.7$120$56Military families
GEICO4.4$144$67Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$44/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.
$95/mo

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

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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.
$97/mo

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

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for senior drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$55/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.
$116/mo

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

Read our GEICO review
Jacqueline - June 11, 2024
Verified

Horrible

I am very upset that my policy increased from 242 to 329. I am 62 years old and I believe I should not be paying that much for a car that will be paid off next month.

Frank - June 11, 2024
Verified

Geico is My Winner

So far, Geico has offered the best price for insurance.

Addis - June 11, 2024
Verified

High Premium

High premium.

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 $44 per month

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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 $66 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm44
USAA45
Direct Auto50
GEICO55
Allstate59
Safeco60
National General64
Midvale Home & Auto65
American Family67
Nationwide69
The General73
Chubb75
Farmers78
Travelers91
Foremost96
Dairyland99
Bristol West109
Liberty Mutual119
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $152 per month.

The following table shows rates from top companies that sell car insurance in Kennewick.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Direct Auto60
National General87
Safeco92
State Farm95
USAA97
Midvale Home & Auto111
GEICO116
Allstate125
Liberty Mutual128
The General129
Nationwide136
American Family143
Chubb159
Farmers167
Travelers195
Dairyland219
Bristol West231
Foremost262
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Kennewick, Washington drivers

Drivers using Insurify have found quotes as cheap as $60/mo for liability only and $137/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage is designed to protect against damage from non-collision events, like fires, theft, vandalism, and harsh weather.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages that arise from your vehicle colliding with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm44576075
USAA45596276
Direct Auto50667085
GEICO55727693
Allstate597781100
Safeco608080102
National General648288108
Midvale Home & Auto658894110
American Family678891114
Nationwide699195117
The General7397102124
Chubb75100103127
Farmers78102106132
Travelers91120125154
Foremost96139143163
Dairyland99131136168
Bristol West109142147185
Liberty Mutual119172178202
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$316
20s$223
30s$171
40s$159
50s$136
60s$130
70s$136
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.

Shop for Car Insurance in Kennewick, WA

Liability rates start as low as $44 per month

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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 $83 for liability coverage and $181 stack up favorably to national averages of $105 and $215, 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 $152 per month for full-coverage car insurance and $66 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 $44 per month. 

    USAA and Direct Auto, the city’s second- and third-cheapest car insurance companies, also offer low liability rates — $45 and $50 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Washington State Department of Transportation. "Summary Reports."
  2. GEICO. "Seniors & Drivers Over 50 Could Save With GEICO Insurance."
  3. Washington State Department of Licensing. "Mandatory insurance."
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content

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.

Anna Baluch
Edited byAnna BaluchInsurance Writer
Photo of an Insurify author
Anna BaluchInsurance 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

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