Cheap Auto Insurance Quotes in Kennewick, WA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Kennewick, WA Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$293
20s$250
30s$176
40s$192
50s$190
60s$132
70s$125
80s$124
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$201
Good$201
Average$233
Poor$160

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Kennewick stacks up for the state of Washington:

ford
Ford Focus
Most Popular Car in
Kennewick, WA
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

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.