Cheap Auto Insurance Quotes in Kennewick, WA (2021)

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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.

Car Insurance in Kennewick, WA

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.

Quotes by Top Carriers
Quotes ($/mo)
$38
$78
$82
$112
$122
ProgressiveState FarmNationwideTravelersAllstate
Monthly $

Cheapest Car Insurance in Kennewick, WA

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.

Best Car Insurance in Kennewick, WA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Kennewick. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$120
$113
$130
$156
$109
$93
WashingtonSeattleSpokaneTacomaVancouverKennewick
Monthly $

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Kennewick, WA Driving Facts

washington

Minimum Car Insurane Requirements in WA

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $10,000/accident for Property Damage (PD)

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.

Kennewick Car Insurance Rates by Driver Age

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.

Driving History
No Violation$195
Speeding Ticket$201
At-Fault Accident$323
Failure to Stop for Red Light / Stop Sign$157

Kennewick Car Insurance Rates by Driving and Accident History

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 Car Insurance Rates by Credit Tier

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.

Kennewick, WA DMV Information

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.

Public Transportation in Kennewick, WA

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.

Conclusion: How to get the best and cheapest car insurance in Kennewick, WA

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.

Find local Kennewick agents

Insurance Services, Inc. 
100 N Morain St Ste 200, Kennewick, WA 99336
Mark H. Monteith 
8518 Gage Blvd #1, Kennewick, WA 99336
Mulvihill Insurance 
11 N Morain St, Kennewick, WA 99336-2911
Neal Wilson Insurance Agency 
1 North Cascade St, Kennewick, WA 99336
JMS Insurance, LLC 
4206 W 24th Ave, Ste A-104, Kennewick, WA 99338-2321
Mid-Columbia Insurance
8601 W Clearwater Ave, Kennewick, WA 99336
Vern Fonk Insuranc
7520 W Clearwater Ave Ste C, Kennewick, WA 99336
Jeff Schell Metlife Auto & Home insurance
552 N Colorado St Ste 103, Kennewick, WA 99336
Ric Whitley Insurance
306 N Morain St, Kennewick, WA 99336
Finders Insurance
3400 W Clearwater Ave Ste 3, Kennewick, WA 99336

Insurify Insights: How Kennewick Drivers Measure Up

ford
Ford Focus
Most Popular Car in
Kennewick, WA
suspended licenses
#14
Cities with Most
Suspended Licenses Rank

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.

Accidents Kennewick

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.

  • Rank within state: #24
  • Percent of drivers in Kennewick with an accident: 9.79%
  • Drivers in Kennewick, WA with an accident in their driving history paid on average 54.84% more than drivers with a clean record

Speeding Kennewick

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.

  • Rank within state: #2
  • Percent of drivers in Kennewick with a speeding ticket: 19.96%
  • Drivers in Kennewick, WA with a speeding ticket in their driving history paid on average 39.35% more than drivers with a clean record

DUI/DWIs Kennewick

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.

  • Rank within state: #19
  • Percent of drivers in Kennewick with a DUI: 1.34%
  • Drivers in Kennewick, WA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Kennewick

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.

Rude Kennewick

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.

  • Rank within state: #5
  • Percent of drivers in Kennewick with a reckless driving violation: 3.26%
  • Drivers in Kennewick, WA with a reckless driving violation in their driving history paid on average 1.94% more than drivers with a clean record.

Safest Drivers Kennewick

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.

  • Rank within state: #16
  • Percent of drivers in Kennewick with clean record: 73.13%

Failure to Yield the Right of Way Kennewick

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.

  • Rank within state: #4
  • Percent of drivers in Kennewick with a failure to yield violation: 0.96%
  • Drivers in Kennewick, WA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Kennewick

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.

  • Rank within state: #8
  • Percent of drivers in Kennewick with a reckless driving offense: 0.19%

Hybrid/Electric Vehicle Ownership Kennewick

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.

  • Rank within state: #13
  • Percent of drivers in Kennewick with a hybrid/electric vehicle: 1.37%

FAQs - Kennewick, WA Car Insurance

Why is car insurance expensive in Kennewick?

Rates here are affected by a number of factors, including the high rate of auto theft in some of Washington’s larger cities. Your individual premium will also be based on your driving history and even your credit score.

What is the minimum amount of car insurance I can buy in Kennewick?

Unlike other states, Washington requires a very low level of coverage before drivers can get behind the wheel. Only $25,000 for bodily injury and $10,000 for property damage protection are needed although many drivers choose to enroll in additional coverage.

How can Kennewick drivers save money on their auto insurance?

If you’re looking for the perfect balance of great coverage and affordable rates, visit Insurify today. Drivers can compare prices quickly and easily and save money on the best policy for their driving needs.

Insurify Rate Comparison Methodology

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.