Best Auto Insurance Rates in Kirkland, Washington

On average, your neighbors pay $73 a month.

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Compare Auto Insurance in Kirkland

Monday, November 5 2018 By Shantae Young

Money magazine named Kirkland, Washington, one of the five best places to live in 2014. In addition to its ideal location near Lake Washington, Kirkland offers residents an impressive array of restaurants, shops, and schools. The residents of such a great city also should have access to cheap car insurance rates, don’t you think?

Average Kirkland Car Insurance Rates

How much is car insurance in Kirkland, WA? Rates here can be expensive. Many local drivers pay much more than the state and national average. 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 age, gender, car, driving history and the points on your driver's license, and the total number of claims filed in your 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 Kirkland residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Kirkland, Washington and save up to 40% on your premium.

In fact, last year 846 people used QuoteWizard to compare car insurance quotes in Kirkland, WA from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Kirkland, WA

This is our list of the most common car insurance companies reported by QuoteWizard users in Kirkland, Washington last year. Of the 846 drivers who used QuoteWizard to find rates, only 27 were not insured.

  1. State Farm
  2. GEICO
  3. Allstate
  4. Progressive
  5. Farmers
  6. Safeco
  7. Liberty Mutual
  8. Nationwide
  9. Hartford
  10. American Family
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Kirkland

These are the most common car makes and models owned by Kirkland, WA drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic DX/EX/LX
  2. Honda Accord EX
  3. Toyota Rav4
  4. Jeep Grand Cherokee Laredo
  5. Ford Explorer
  6. Honda CR-V EX/LX/SE
  7. Toyota Camry LE/XLE/SE
  8. Ford F150
  9. Ford Ranger
  10. Lexus RX350
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Kirkland, WA

Kirkland, 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 can influence your insurance rates.

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

Kirkland residents enjoy a Mediterranean climate. That means it’s dry and warm in summer. In addition, the area sees an average of 155 sunny days each year. Winters here tend to be mild but wet. On average, the city receives about 35 inches of rainfall annually. Fortunately, it rarely snows in Kirkland. Average annual snowfall is around 3.1 inches.

Road Conditions

Road conditions in the King County area are a big problem for residents. According to TRIP, 42% of its major roads are in poor condition. Insurers here paid out almost $500,000 in pothole claims alone in 2015. These poor street conditions cost local drivers an additional $693 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Moving Violations

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

Traffic Tickets

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

DUI Arrests

Kirkland Police arrested 175 adults 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 agents from top insurance companies that specialize in Kirkland DUI insurance.

Traffic Fatalities

Kirkland officials reported 1,547 traffic collisions in 2016. 494 of these accidents resulted in minor injuries. Eleven of them resulted in at least one serious injury. Two of the collisions resulted in fatalities.

Vehicle Theft Rates

Kirkland officials reported 172 motor vehicle thefts in 2016. That's a rate of 2.0 thefts per 1,000 residents--slightly better than the national average.

Car Insurance Discounts in Kirkland

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the auto insurance discounts available to drivers in Kirkland, WA depending on your insurer. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  5. Keep your driving record clean with no tickets or accidents and you could qualify for the accident-free or safe driver discount
  6. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  7. Drive less by living closer to work and you might qualify for the low mileage discount
  8. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  10. Shop around and compare affordable Kirkland car insurance quotes to find all the discounts you've been missing out on

Sources:

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