Cheap Auto Insurance Quotes in Kirkland, WA (January 2022)

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Last Updated: January 2022

Car Insurance in Kirkland, 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 Kirkland, WA to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Kirkland, WA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Kirkland, 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.

Find local Kirkland agents

Omega Financial Investments & Insurance 
10827 NE 68th St Suite 200, Kirkland, WA 98033
CEG Life Insurance Services 
611 4th Ave, Kirkland, WA 98033
First Rate Insurance Plus, Inc. 
820 Market St, Ste 1, Kirkland, WA 98033
Soleyon Insurance Partners, Inc. 
5400 Carillon Point, Kirkland, WA 98033
Jenny Tan Insurance 
8334 NE 121st Pl, Kirkland, WA 98034-5832
Lee Insurance Svcs., Inc. 
11410 98th Ave NE, Kirkland, WA 98033-4325
Soleyon Insurance Partners, Inc 
5400 Carillon Pt, Kirkland, WA 98033-7357
Totem Agencies, Inc. 
10526 NE 68th, Kirkland, WA 98033-7004
First Underwriters 
6710 108th Ave NE, Kirkland, WA 98033
TRC Insurance 
12015 115th Ave NE Ste 240, Kirkland, WA 98034-6936

Insurify Insights: How Kirkland Drivers Measure Up

Toyota Camry
Most Popular Car in
Kirkland, WA
suspended licenses
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 Kirkland 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 in Kirkland

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. Kirkland drivers rank 8 in the number of car accidents per driver across all cities in Washington.

  • Rank within state: #8
  • Percent of drivers in Kirkland with an accident: 12.39%
  • Drivers in Kirkland, WA with an accident in their driving history paid on average 39.2% more than drivers with a clean record

Speeding in Kirkland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Washington, Kirkland drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Kirkland with a speeding ticket: 11.83%
  • Drivers in Kirkland, WA with a speeding ticket in their driving history paid on average 47.24% more than drivers with a clean record

DUI/DWIs in Kirkland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kirkland drivers rank 12 in the number of DUI’s per driver across all cities in Washington.

  • Rank within state: #12
  • Percent of drivers in Kirkland with a DUI: 1.69%
  • Drivers in Kirkland, WA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Kirkland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kirkland is the Toyota Camry.

Hybrid/Electric Vehicle Ownership in Kirkland

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kirkland drivers rank 2 in hybrid and electric vehicle ownership across all cities in Washington.

  • Rank within state: #2
  • Percent of drivers in Kirkland with a hybrid/electric vehicle: 4.65%

Green Driving in Kirkland, WA

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Washington offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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