Best Auto Insurance Rates in Kent, Washington

On average, your neighbors pay $73 a month.

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Kent, Washington, is home to a surprising number of international companies. A few examples: Boeing Space and Defense Flow, Tazo Tea, Oberto Sausage Company, and one of five Starbucks roasting plants in the US.

With its close proximity to Seattle and its wealth of in-demand jobs, Kent's estimated population of 127,514 residents is only likely to grow in the coming months and years. Granted, more residents in the city means more residents on the road. Don't let that affect your car insurance rates—compare quotes and save today.

Average Kent Car Insurance Rates

How much is car insurance in Kent, WA? Unfortunately, for people who call Kent home, the city has one of the highest vehicle theft rates in the nation. It’s also made the top 10 list of cities with the worst vehicle theft rates. Both explain why its residents pay so much for car insurance. The average cost of auto insurance in Washington is $884.24 per year. The national average price is $889.01.

Prices will vary depending on your driving record and zip code.)

Washington Average Annual Car Insurance Rates
Coverage Rates
Liability $596.670
Collision $265.74
Comprehensive $106.38
Total Cost Per Year $884.24
Price Per Month $73.68
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Washington's average auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Washington's car insurance rates increased from $806 in 2011 to $884 in 2015, a jump of $78, or 9.70 percent.

Washington average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Kent, Washington and save up to 40% on your premium.

Last year, 2,629 people used QuoteWizard to compare car insurance quotes in Kent, WA from different companies and get the cheapest rates.

Best Car Insurance Companies in Kent, WA

This is our list of the the most common car insurance companies reported by QuoteWizard users living in Kent, WA last year. Of the 2,629 drivers who used QuoteWizard to compare rates, 149 were uninsured.

Top 10 Vehicles

Here are the most common car makes and models owned by Kent, WA drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Ford F150
  3. Toyota Prius
  4. Ford Ranger
  5. Toyota Camry SE/LE/XLE
  6. Honda Civic EX/DX
  7. Toyota Corolla
  8. Ford Mustang
  9. Ford Explorer
  10. Ford Focus SE
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Minimum Car Insurance Requirements in Kent, WA

Kent, Washington has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Kent drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Like most of King County, Kent experiences dry, yet short, summers and very mild winters. On average, Kent can expect 153 sunny days each year and around 158 days of measurable precipitation. It tends to receive about 40 inches of rainfall annually, although average snowfall is just four inches.

Road Conditions

The condition of its roads is a big problem for Greater Seattle residents. According to TRIPNET.org, 42% of this area’s major roads are in poor condition. Some of them can be found in Kent.

If you spot a pothole or any other problems with the roads, please contact Kent Public Works.

Traffic Congestion

Traffic in your city or town can affect your car insurance rates in a big way. That’s bad news for people in Kent, as the Greater Seattle area is known for terrible traffic jams. State Route 167 is one of the major highways that runs through Kent and connects to I-5. According to the “2015 Corridor Capacity Report,” SR-167 experienced heavy congestion almost daily between 2012 and 2014.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to buy high-risk auto insurance.

Traffic Tickets

The Kent Municipal Court website lets residents pay traffic tickets, tells drivers how to contest tickets and set hearing dates, and provides other helpful traffic court information.

In 2014, Kent Police Department issued 1,049 traffic tickets.

DUI Arrests

Kent Police arrested 267 adults and one juvenile for suspicion of DUI in 2016.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Kent DUI insurance.

Traffic Fatalities

Kent officials reported 3,266 traffic collisions in 2016. 940 of these accidents resulted in minor injuries. 35 of them resulted in at least one serious injury. Seven of the collisions resulted in fatalities.

Vehicle Theft Rates

Kent reported 1,472 motor vehicle thefts in 2016. That's a rate of 11.8 thefts per 1,000 residents—well over the national average of 2.20 per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your monthly insurance bill. Below are only some of the discounts available depending on your insurance company. Get a free quote to find out which insurance discounts you may qualify for.

  1. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
  7. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  8. Are you married or getting married soon? Some insurers offer a discount to married drivers
  9. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  10. Shop around and compare low-cost Kent car insurance quotes to find all the discounts you've been missing out on

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