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How much is car insurance in Kent?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Kent will typically run you about $20 a month more than in the rest of Washington.
Compared to the national average cost of auto coverage, Kent has higher rates. The average monthly payment for the rest of the U.S. is about is about $15 cheaper than it is in Kent.
While these are the average car insurance rates for Kent, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't worry, we've done the work for you and broken down the average rates for Kent to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $73 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Kent may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Kent actually goes against the grain. While female drivers pay $98 a month for insurance coverage, males only pay about $94.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Kent with a single accident on their record is about $122 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $217.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$97|
In Kent, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $83 per month for insurance coverage.
SUV drivers will see rates of about $105 for car insurance coverage, while car owners usually pay around $95 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Kent, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$102|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Kent follows that pattern, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$149|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Kent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Kent, WA
Recent trends in car insurance for Kent drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Kent, car insurance rates had been increasing steadily from 2016-2020. They finished down in 2021, at $102.
How does Kent compare to neighboring areas?
Why are car insurance rates in Kent different from other areas?
Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Regional regulations
- Regional crime rates
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Amount of drivers
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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Kent?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Kent.
Kent Insurance FAQs
What factors affect car insurance quotes in Kent?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Kent different from other neighboring cities?
Parking situations, crime rates, 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 Kent?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Kent?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Kent or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?