Cheapest Car Insurance Quotes in Kenmore

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Kenmore Car Insurance

^$ 37

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Kenmore

The car insurance rate in Kenmore is $899 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Kenmore can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Kenmore

$899

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Kenmore

1st place: Kemper

At $480 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $646 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $667 for six months, making it the third cheapest auto insurance company in Kenmore.

Kenmore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kenmore, WA is Kemper, offering policies at just $480 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $646.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $931 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kenmore drivers find the best deals.

Cheap Car Insurance Companies in Kenmore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$80
Nationwide	$646	$110
Auto-Owners Insurance Co	$667	$111
Chubb	$757	$129
Capital Insurance Group	$771	$129
State Farm	$806	$136
USAA	$834	$140
Progressive	$896	$151
PEMCO	$917	$154
American Family	$945	$159
Travelers	$1021	$172
Farmers	$1085	$183
Allstate	$1265	$213
Granwest P&C	$1570	$267
California Causality	$792	$135
Mutual of Enumclaw	$931	$158

Key Takeaways

Way's key takeaways about car insurance in Kenmore

The auto insurance costs in Kenmore fall around $480 for six months.
The cheapest auto insurance company in Kenmore is USAA.
Teen drivers pay the highest rate in Kenmore at $145 per month.

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Cheapest Minimum Liability Car Insurance in Kenmore

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Kenmore are given below.

USAA provides the cheapest minimum car insurance coverage in Kenmore. Their Average 6 Month Premium is $222. California Causality is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Kenmore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$222	$37
California Casualty	$250	$42
Granwest P&C	$257	$43
PEMCO	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$319	$54
Travelers	$326	$55
Nationwide	$333	$56
Capital Insurance Group	$355	$59
State Farm	$355	$60
Progressive	$369	$62
American Family	$417	$70
Mutual of Enumclaw	$424	$70
Farmers	$445	$75
Allstate	$751	$126
Encompass	$243	$41
Grange	$250	$42
California Causality	$278	$47

Cheapest Full Coverage Car Insurance in Kenmore

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Kenmore is Kemper at $80 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kenmore, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$80
Nationwide	$646	$110
Auto-Owners Insurance Co	$667	$111
Chubb	$757	$129
Capital Insurance Group	$771	$129
State Farm	$806	$136
USAA	$834	$140
Progressive	$896	$151
PEMCO	$917	$154
American Family	$945	$159
Travelers	$1021	$172
Farmers	$1085	$183
Allstate	$1265	$213
Granwest P&C	$1570	$267
California Causality	$792	$135
Mutual of Enumclaw	$931	$158

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Average Car Insurance in Kenmore by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Kenmore, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Kenmore, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Kenmore's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kenmore

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$792
30s	PEMCO	$555
40s	PEMCO	$560
50s	PEMCO	$532
60s	PEMCO	$560
70s	PEMCO	$696

Cheapest Car Insurance Rates for Teen Drivers in Kenmore,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Kenmore at $66 per month. At $855 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$390	$66
Auto-Owners Insurance Co	$397	$68
Chubb	$445	$74
State Farm	$903	$152
American Family	$1189	$200
Progressive	$1362	$229
USAA	$1432	$241
Pemco	$1459	$246
Farmers	$2071	$349
Allstate	$2390	$402
California Causality	$855	$145

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Kenmore.

As young drivers face the highest rates in Kenmore, PEMCO offers the cheapest auto insurance rates at $792 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Kenmore, AutoOwners Insurance Co is the cheapest car insurance provider. At $271 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Kenmore is California Causality, offering rates of around $639 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$271	$46
Chubb	$319	$54
Travelers	$326	$55
Nationwide	$383	$63
Kemper	$417	$71
American Family	$633	$106
Progressive	$737	$124
State Farm	$855	$144
Farmers	$945	$159
Pemco	$1092	$184
USAA	$1126	$192
Allstate	$2252	$376
National General	$459	$76
California Causality	$639	$109

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Car Insurance Rates with An Accident in Kenmore

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Kenmore, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kenmore

The cheapest car insurance companies after an at-fault accident in Kenmore include AutoOwners Insurance Co and Encompass, offering $347 and $397, respectively. California Causality is an expensive provider with an average six-month premium of $480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$59
Encompass	$397	$68
Chubb	$410	$69
Travelers	$494	$83
USAA	$528	$89
Kemper	$577	$98
State Farm	$778	$131
PEMCO	$855	$144
American Family	$931	$157
Capital Insurance Group	$1028	$174
Progressive	$1230	$207
Farmers	$1328	$223
Allstate	$2141	$360
California Causality	$480	$80

Kenmore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kenmore WA. For example, the car insurance in Kenmore after a DUI increases to $952 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Kenmore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1251	$208
One Med/PIP claim	$1251	$213
Not-at-fault accident	$1293	$215
Two Med/PIP claims	$1293	$220
One comp claim	$1300	$216
Two comp claims	$1355	$230
Failure to show documents	$1494	$249
Child safety restraint	$1508	$256
Driving without lights	$1522	$254
Failure to wear a seat belt	$1522	$259
Speeding 11 - 15 MPH over limit	$1522	$254
Speeding 16 - 20 MPH over limit	$1522	$259
Speeding 6 - 10 MPH over limit	$1522	$254
Driving too slowly	$1536	$261
Driving with expired registration	$1536	$256
Cell phone violation	$1543	$262
Failure to yield	$1543	$257
Improper passing	$1543	$262
Texting while driving	$1543	$257
Wrong way/wrong lane	$1543	$262
Failure to stop at a red light	$1550	$259
Following too closely	$1550	$263
Illegal turn	$1550	$259
Speeding in school zone	$1619	$275
Passing school bus	$1626	$271
At-fault accident - less than $1000	$1647	$280
Speeding 21 - 25 MPH over limit	$1647	$275
Open container	$1654	$281
In 65 MPH zone	$1716	$287
At-fault accident - $1000-$2000	$1780	$303
At-fault accident - greater than $2000	$1787	$297
Operating a vehicle without permission	$1799	$307
Refusal to submit to a chemical test	$2154	$359
Reckless driving	$2161	$367
Driving with a suspended license	$2182	$364
DUI	$2203	$374
Racing	$2279	$380
Leaving scene of an accident/hit and run	$2293	$390

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Kenmore after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Kenmore.

The cheapest car insurance premiums in Kenmore are offered by Chubb at $397 for a six-month policy. However, it can be as expensive as $424 with companies like National General.

Kenmore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$397	$68
Auto-Owners Insurance Co	$501	$83
Travelers	$542	$91
American Family	$778	$131
Progressive	$862	$145
Pemco	$875	$147
USAA	$959	$161
State Farm	$1007	$170
Farmers	$1376	$232
Allstate	$2029	$342
Grange	$2127	$362
Cal Casualty	$2376	$397
National General	$424	$73

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Kenmore are offered by Chubb at $347. However, it can be as expensive as $390 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Kenmore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$347	$59
Auto-Owners Insurance Co	$362	$62
Travelers	$445	$74
State Farm	$542	$91
American Family	$778	$131
USAA	$848	$144
Pemco	$855	$144
Progressive	$1014	$171
Farmers	$1182	$199
Allstate	$1564	$266
California Causality	$390	$67

Car Insurance Price Trends in Kenmore, Washington

Car insurance rates in Kenmore have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Kenmore rose by $177 in December compared to $173 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Kenmore rose to $60 in December, compared to $59 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Kenmore?

The car insurance in Kenmore is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Kenmore?

The cheapest car insurance in Kenmore is $80 per month for full coverage.

How much is car insurance in Kenmore for teenagers?

Car insurance for teenagers costs $390 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Kenmore?

The average cost of car insurance is $768 for a six-month policy. It will cost around $151 per month to insure your car in Kenmore.

Is car insurance expensive in Kenmore?

Car insurance can be expensive in Kenmore if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kenmore can be affordable.

Cheapest Car Insurance Quotes in Kenmore

Why you can trust Way?

How Much Is Car Insurance in Kenmore

Avg. Car Insurance in Kenmore

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Kenmore

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Kenmore Car Insurance Rates by Company

Cheap Car Insurance Companies in Kenmore, WA

Way's key takeaways about car insurance in Kenmore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kenmore

Cheapest Liability Coverage in Kenmore, WA

Cheapest Full Coverage Car Insurance in Kenmore

Cheapest Full Coverage Car Insurance Quotes in Kenmore, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kenmore by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Kenmore, WA increasing?

Car Insurance Premiums by Age in Kenmore

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kenmore,WA

If you are in your twenties PEMCO is the best choice for car insurance in Kenmore.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Kenmore

Cheapest Car Insurance Companies after an At-Fault Accident in Kenmore

Kenmore Car Insurance Rates by Violation

Kenmore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kenmore after a DUI

Kenmore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kenmore after Speeding ticket

Car Insurance Price Trends in Kenmore, Washington

Average Car Insurance Cost in Kenmore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kenmore, WA

Car Insurance Rates by State in the USA (2025 Update)

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