Best Auto Insurance Rates in Kirkland, Washington

On average, your neighbors pay $73 a month.

See Your Rates

Compare Auto Insurance in Kirkland

Thursday, January 10 2019 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

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.
Ready to see if you're eligible?
Click Here

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. These points can remain on your record for as many as three years. If your insurance company discovers them, your rates can go up a lot.

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.

DWI Crashes and Injuries

Kirkland reported 75 crashes involving alcohol or drugs in 2018. These accidents caused ten injuries but no fatalities.

Car Accident Statistics

Kirkland officials reported 1,126 car crashes in 2018. These crashes resulted in 96 injuries, ten of them serious.

Traffic Fatalities

Kirkland officials reported one fatal traffic collision in 2018. All traffic deaths are a tragic loss, and considering the estimated population of 88,630 Kirkland, WA is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Kirkland officials reported 226 motor vehicle thefts in 2017. That's a rate of 2.55 thefts per 1,000 residents. This was slightly worse than the national average of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable 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.

  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. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.