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How much is car insurance in Kennewick?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Washington, coverage in Kennewick is about $16 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Kennewick is rather affordable. On average, it's about $21 less to insure your vehicle in Kennewick than it is in the rest of the United States.
Although these are the average rates for auto insurance in Kennewick, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Kennewick and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Kennewick.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. Male and female drivers in Kennewick, however, both pay around $60 per month to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Kennewick, having a single accident on your record will usually get you rates around $98 a month. In addition, drivers with a single ticket on their record can expect to pay around $61 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$54|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Kennewick, with drivers paying around $52 per month for insurance.
Car owners, on the other hand, by and large pay around $62 a month, while SUV drivers can expect to pay about $61 per month for auto insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Kennewick, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Kennewick as well, where the difference is around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Kennewick. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Kennewick, WA
Recent trends in car insurance for Kennewick drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of car insurance coverage in Kennewick dropped from 2017-2019, before steadying out in 2020. Car insurance rates finished up in 2022, at $55 a month
How does Kennewick compare to neighboring areas?
Why are car insurance rates in Kennewick different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Number of drivers in the community
- Amount of off-street parking
- Community laws
- Road Safety (frequency of local car accidents)
- Regional crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Kennewick?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Kennewick.
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Kennewick Insurance FAQs
What factors affect car insurance quotes in Kennewick?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Kennewick different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Kennewick?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Kennewick?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Kennewick or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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