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Nestled on the bank of the Columbia River, Kennewick is one of three cities in Washington’s Tri-Cities area. With a population of nearly 90,000 people, the area is growing quickly, and long-time residents note that many more people are on the road compared to years past. Traffic can become an issue at times, so it’s advised that you give yourself plenty of time to arrive at your destination. Kennewick sees both rain and snow in the winter, making it even more important to enroll in a robust auto insurance policy.
The average cost of Washington car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Kennewick, WA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Kennewick for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $38/mo |
 State Farm | $78/mo |
 Nationwide | $82/mo |
 Travelers | $112/mo |
 Allstate | $122/mo |
| Best Companies | ||
|---|---|---|
 American Family | $211/mo | |
 Liberty Mutual | $252/mo | |
 National General | $152/mo |
Washington Cities | |
|---|---|
| Seattle | $113/mo |
| Spokane | $130/mo |
| Tacoma | $156/mo |
| Vancouver | $109/mo |
| Kennewick | $93/mo |
| Washington | $120/mo |
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All motor vehicles operated or parked on Washington roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:
Bodily Injury Liability Coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.
The state minimum amount of Property Damage Liability Coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Many teenagers will be able to afford a $292 per month car insurance payment and still have a little spending money left over. Washingtonians get lower car insurance prices as the number of years behind the wheel goes up. , There’s a dramatic $70 drop as drivers go from their 20s to their 30s. And everyone 30 and older beats the state average of $248 per month. Those in their 70s and 80s secure the best rate, at $124, which is less than half of what the youngest drivers pay.
| Driver's Age | |
|---|---|
| teens | $293 |
| 20s | $250 |
| 30s | $176 |
| 40s | $192 |
| 50s | $190 |
| 60s | $132 |
| 70s | $125 |
| 80s | $124 |
| Driving History | |
|---|---|
| No Violation | $195 |
| Speeding Ticket | $201 |
| At-Fault Accident | $323 |
| Failure to Stop for Red Light / Stop Sign | $157 |
In the Evergreen State, safe drivers win in more ways than one. They get the peace of mind that comes from defensive driving, and insurance companies reward them with “good driver” and “accident-free” discounts. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations strip down their policies and opt for liability only, skipping comprehensive and collision coverage. Besides avoiding tickets, people should watch out for fender benders because an at-fault accident pops the rate up over $120 per month. Fortunately, violations and tickets stop affecting premiums after three years.
Kennewick residents ponder just how credit relates to driving. But Washington, like most states, allows insurance companies to factor in credit when setting rates. Naturally, people with the best credit pay the least. So why do people with poor credit get the best deal? Those with better credit may finance costlier cars and buy more coverage to protect their assets. Regardless, moving from average to good credit will save over $30 per month, or $360 per year.
| Credit Tie | |
|---|---|
| Excellent | $201 |
| Good | $201 |
| Average | $233 |
| Poor | $160 |
Washington State offers residents of Kennewick a range of options to complete their DMV tasks, with three locations in the city. The Automobile Licensing Office is open Monday through Friday from 8:30 a.m. to 4:30 p.m., yet is often said to be highly disorganized. The Tri-Cities Auto Licensing office is said to be far more helpful, with business hours from 8 a.m. to 5:30 p.m. Monday through Friday and 9 a.m. to 3 p.m. on Saturdays. The Kennewick Drivers Licensing Office is also open six days per week for motorists’ convenience.
Traveling in Kennewick proper and within the greater Tri-Cities area without a vehicle is quite easy thanks to the Ben Franklin Transit system. A variety of bus routes can take residents just about anywhere they need to go and is a far better option than walking, especially during inclement weather. If you prefer more privacy, rideshare options like Uber or Lyft can easily take you where you need to go.
As Kennewick continues to expand, driving here will only become more and more difficult. While traffic may not compare to other major metropolitan areas, residents have found that it does take longer to reach their destinations and that accidents are becoming more common.
Rather than having to pay out of pocket in the event of an accident, it’s smart to enroll in robust auto insurance before you drive. Head over to Insurify to compare real-time quotes from multiple insurance carriers and discover the right policy for you.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Kennewick drivers measure up to their fellow Washington motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kennewick drivers rank 24 in the number of car accidents per driver across all cities in Washington.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Kennewick drivers rank 2 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kennewick drivers rank 19 in the number of DUI’s per driver across all cities in Washington.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kennewick is the Ford Focus.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Washington, Kennewick drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kennewick drivers rank 16 in clean driving records across all cities in Washington.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kennewick drivers rank 4 in failure to yield violations per driver across all cities in Washington.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Washington, Kennewick drivers rank 8 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kennewick drivers rank 13 in hybrid and electric vehicle ownership across all cities in Washington.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
