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How much is car insurance in Kirkland?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Kirkland as it is in the rest of Washington.
Compared to the rest of the country, auto insurance in Kirkland is more affordable. The average monthly payment in Kirkland is about $6 cheaper than the rate for the rest of the U.S.
These rates may be the average amount Kirkland drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Kirkland and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Kirkland may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Kirkland, however, both pay around $74 a month for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Kirkland with a single accident will pay around $99 a month. Likewise, drivers with one ticket will be looking at a rate of around $178 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$78|
If you look at the first table above, the cheapest vehicles to insure in Kirkland are by and large trucks and vans, at $57 per month.
Meanwhile, Kirkland drivers who own a car or SUV can expect to pay about $75 for insurance.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Kirkland, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Kirkland can be as much as $23 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$156|
One other element taken into consideration is your housing status. Homeowners in Kirkland can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Kirkland, WA
Recent trends in car insurance for Kirkland 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.
In Kirkland, car insurance rates declined from 2015-2018, when they reached a low of $54. This trend shifted in 2019, when they began to increase, and have continued on that road through 2020, when car insurance rates hit a high of $90 per month.
How does Kirkland compare to neighboring areas?
Why are car insurance rates in Kirkland different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Number of drivers in the area
- Off-street parking accessibility
- Community regulations
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Kirkland?
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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Kirkland.
Kirkland Insurance FAQs
What factors affect car insurance quotes in Kirkland?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Kirkland different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Kirkland?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Kirkland?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Kirkland 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?