Cheapest Auto Insurance in Kennewick, Washington (2025)

The average cost of full-coverage car insurance in Kennewick is $140 per month, compared to the Washington statewide average of $169. The city’s population of around 85,000 could contribute to its lower car insurance rates, as less congested cities tend to have fewer traffic accidents.

But location is only one factor that influences car insurance costs, so your rates could be lower or higher than the city’s average. Comparing car insurance quotes from multiple companies is the best way to ensure you’re getting the coverage you need at the best price available to you.

3 of the cheapest car insurance companies in Kennewick 

If you’re seeking cheap car insurance in Kennewick, consider a number of factors, like your budget, driving record, and auto insurance coverage needs. It’s a good idea to get quotes from multiple car insurance companies to see where you can land the best deal. 

To help you with your search for a cheap policy, here are three of the best car insurance companies in Kennewick and why they stand out.

Best insurer for young drivers: State Farm

Best insurer for military families: USAA

Best insurer for senior drivers: GEICO

How to get the cheapest car insurance in Kennewick

While it may be tempting to go with the first car insurance policy you come across, doing so can cost you. With these tips, you can zero in on the best rate and coverage in Kennewick:

• Shop around. Get car insurance quotes from multiple insurers to find the right policy for your unique situation. Compare different rates, coverage options, and company reviews. You can use an online quote-comparison platform or a knowledgeable local agent in Kennewick to help you find the right insurance.

• Look for discounts. Most car insurance companies offer discounts that can lower your car insurance costs. A good student discount, auto-pay discount, home insurance discount, and anti-theft device discount are a few examples of popular discounts.

• Bundle insurance. If you purchase your auto insurance with homeowners insurance, renters insurance, life insurance, and business insurance, you can typically enjoy savings on your premiums, as long as you use the same agency for all policies.

• Look into usage-based insurance. Usage-based insurance might make sense if you’re an infrequent driver. You’ll only pay for the miles you drive, plus a monthly base rate.

Cheapest liability-only car insurance in Kennewick: State Farm

Washington State requires that Kennewick drivers buy at least the state’s minimum amount of liability car insurance. If you cause an accident, your liability coverage will pay for the other driver’s property damage and medical bills. Because it doesn’t protect your car, liability-only coverage is the cheapest type of policy available.

On average, Kennewick drivers pay $78 per month for minimum-coverage car insurance, according to Insurify data. Here’s a look at the cheapest liability insurance options in Kennewick.

Cheapest full-coverage car insurance in Kennewick: State Farm

Full-coverage car insurance usually combines three coverage types: liability, collision, and comprehensive. Collision can help repair your car if it’s damaged in a collision with another vehicle or an object, such as a light pole. Comprehensive coverage can pay to repair or replace your car if it’s stolen, or damaged by vandalism or weather events.

Although full-coverage is optional, if you finance or lease your vehicle, your lender or leasing company will require you to buy full coverage. The average cost of full-coverage car insurance in Kennewick is $140 per month.

The following table shows rates from top companies that sell car insurance in Kennewick.

Car insurance requirements in Washington

Washington is an at-fault state, meaning the car insurance of the driver who caused the accident pays for the damages and injuries of the other driver and their passengers.

Drivers in Washington must carry a minimum amount of liability insurance or face hefty fines and other penalties. Here are the minimum-coverage requirements in Washington:3

These additional coverages may be worthwhile if you’d like to reduce out-of-pocket costs and ensure you’re financially protected while driving:

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are all examples of incidents that can increase car insurance rates. Car insurers perceive people with these types of incidents as high-risk drivers and charge them higher premiums as a result. Kennewick drivers with a clean record tend to secure the cheapest rates.

Here are the average car insurance quotes in Kennewick based on driving history.

Average cost of car insurance by age

Your age can play a vital role in your car insurance costs. Teen drivers and young adults with a license usually pay the most for an auto policy. Their limited driving experience and greater risk of accidents make them higher-risk drivers.

Premiums begin to decrease after 25 and increase again around age 70. This is because common age-related changes to vision and reflexes put senior drivers at greater risk of being in an accident.

The table below shows the cheapest car insurance quotes for Kennewick residents, by age.

Kennewick car insurance quotes by credit tier

The state of Washington allows car insurance companies to consider credit history when they review car insurance applications and determine rates. Drivers with good to excellent credit can land at lower rates than drivers with poor credit, as insurance industry data indicates they’re less likely to file a claim.

Here’s a look at the average premiums for Kennewick residents with different credit tiers.