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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.
The car insurance rate in Kent is $968 for a six-month policy, which is $200 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $517, making it a popular choice for budget-conscious drivers. Rates in Kent 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.
At $517 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $696 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $718 for six months, making it the third cheapest auto insurance company in Kent.
Based on our research, the cheapest car insurance company in Kent, WA is Kemper, offering policies at just $517 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $696.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $1003 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kent drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $517 | $86 |
| Nationwide | $696 | $118 |
| Auto-Owners Insurance Co | $718 | $120 |
| Chubb | $815 | $139 |
| Capital Insurance Group | $830 | $139 |
| State Farm | $868 | $146 |
| USAA | $898 | $151 |
| Progressive | $965 | $163 |
| PEMCO | $988 | $166 |
| American Family | $1018 | $171 |
| Travelers | $1100 | $185 |
| Farmers | $1168 | $197 |
| Allstate | $1362 | $229 |
| Granwest P&C | $1691 | $287 |
| California Causality | $853 | $145 |
| Mutual of Enumclaw | $1003 | $170 |
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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 Kent are given below.
USAA provides the cheapest minimum car insurance coverage in Kent. Their Average 6 Month Premium is $239. California Causality is the most expensive at $300 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $239 | $40 |
| California Casualty | $270 | $45 |
| Granwest P&C | $277 | $47 |
| PEMCO | $285 | $48 |
| Auto-Owners Insurance Co | $292 | $49 |
| Chubb | $344 | $58 |
| Travelers | $352 | $59 |
| Nationwide | $359 | $60 |
| Capital Insurance Group | $382 | $63 |
| State Farm | $382 | $64 |
| Progressive | $397 | $67 |
| American Family | $449 | $76 |
| Mutual of Enumclaw | $456 | $76 |
| Farmers | $479 | $81 |
| Allstate | $809 | $136 |
| Encompass | $262 | $44 |
| Grange | $270 | $45 |
| California Causality | $300 | $50 |
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 Kent is Kemper at $86 per month and $517 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $517 | $86 |
| Nationwide | $696 | $118 |
| Auto-Owners Insurance Co | $718 | $120 |
| Chubb | $815 | $139 |
| Capital Insurance Group | $830 | $139 |
| State Farm | $868 | $146 |
| USAA | $898 | $151 |
| Progressive | $965 | $163 |
| PEMCO | $988 | $166 |
| American Family | $1018 | $171 |
| Travelers | $1100 | $185 |
| Farmers | $1168 | $197 |
| Allstate | $1362 | $229 |
| Granwest P&C | $1691 | $287 |
| California Causality | $853 | $145 |
| Mutual of Enumclaw | $1003 | $170 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Kent, 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, Kent's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | PEMCO | $853 |
| 30s | PEMCO | $597 |
| 40s | PEMCO | $604 |
| 50s | PEMCO | $573 |
| 60s | PEMCO | $604 |
| 70s | PEMCO | $750 |
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Kent at $71 per month. At $921 for a six-month premium, California Causality offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $420 | $71 |
| Auto-Owners Insurance Co | $427 | $73 |
| Chubb | $479 | $79 |
| State Farm | $973 | $164 |
| American Family | $1280 | $215 |
| Progressive | $1467 | $247 |
| USAA | $1542 | $260 |
| Pemco | $1571 | $265 |
| Farmers | $2230 | $375 |
| Allstate | $2574 | $433 |
| California Causality | $921 | $156 |
Teen Car Insurance Rates in WA by Age
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.
For those with poor credit scores in Kent, AutoOwners Insurance Co is the cheapest car insurance provider. At $292 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 Kent is California Causality, offering rates of around $688 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $292 | $49 |
| Chubb | $344 | $58 |
| Travelers | $352 | $59 |
| Nationwide | $412 | $68 |
| Kemper | $449 | $77 |
| American Family | $682 | $115 |
| Progressive | $794 | $134 |
| State Farm | $921 | $155 |
| Farmers | $1018 | $171 |
| Pemco | $1176 | $198 |
| USAA | $1212 | $207 |
| Allstate | $2426 | $404 |
| National General | $494 | $82 |
| California Causality | $688 | $117 |
Save up to $971/yr on car insurance rates in Kent.
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 Kent, WA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Kent include AutoOwners Insurance Co and Encompass, offering $374 and $427, respectively. California Causality is an expensive provider with an average six-month premium of $517.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $374 | $63 |
| Encompass | $427 | $73 |
| Chubb | $441 | $74 |
| Travelers | $532 | $89 |
| USAA | $568 | $96 |
| Kemper | $621 | $106 |
| State Farm | $838 | $141 |
| PEMCO | $921 | $155 |
| American Family | $1003 | $169 |
| Capital Insurance Group | $1108 | $188 |
| Progressive | $1324 | $223 |
| Farmers | $1430 | $241 |
| Allstate | $2306 | $388 |
| California Causality | $517 | $86 |
Here is a list of driving violations that can increase your car insurance rates in Kent WA. For example, the car insurance in Kent after a DUI increases to $1026 for a six month policy. While the rate increases by $292 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1347 | $224 |
| One Med/PIP claim | $1347 | $229 |
| Not-at-fault accident | $1392 | $232 |
| Two Med/PIP claims | $1392 | $237 |
| One comp claim | $1400 | $233 |
| Two comp claims | $1459 | $248 |
| Failure to show documents | $1609 | $268 |
| Child safety restraint | $1624 | $276 |
| Driving without lights | $1639 | $273 |
| Failure to wear a seat belt | $1639 | $278 |
| Speeding 11 - 15 MPH over limit | $1639 | $273 |
| Speeding 16 - 20 MPH over limit | $1639 | $278 |
| Speeding 6 - 10 MPH over limit | $1639 | $273 |
| Driving too slowly | $1654 | $281 |
| Driving with expired registration | $1654 | $276 |
| Cell phone violation | $1662 | $282 |
| Failure to yield | $1662 | $277 |
| Improper passing | $1662 | $282 |
| Texting while driving | $1662 | $277 |
| Wrong way/wrong lane | $1662 | $282 |
| Failure to stop at a red light | $1670 | $278 |
| Following too closely | $1670 | $284 |
| Illegal turn | $1670 | $278 |
| Speeding in school zone | $1744 | $296 |
| Passing school bus | $1751 | $292 |
| At-fault accident - less than $1000 | $1774 | $301 |
| Speeding 21 - 25 MPH over limit | $1774 | $296 |
| Open container | $1782 | $302 |
| In 65 MPH zone | $1848 | $309 |
| At-fault accident - $1000-$2000 | $1916 | $326 |
| At-fault accident - greater than $2000 | $1924 | $320 |
| Operating a vehicle without permission | $1938 | $330 |
| Refusal to submit to a chemical test | $2320 | $387 |
| Reckless driving | $2327 | $396 |
| Driving with a suspended license | $2350 | $392 |
| DUI | $2373 | $403 |
| Racing | $2454 | $410 |
| Leaving scene of an accident/hit and run | $2470 | $420 |
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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.
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 Kent.
The cheapest car insurance premiums in Kent are offered by Chubb at $427 for a six-month policy. However, it can be as expensive as $456 with companies like National General.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $427 | $73 |
| Auto-Owners Insurance Co | $539 | $89 |
| Travelers | $583 | $98 |
| American Family | $838 | $141 |
| Progressive | $929 | $156 |
| Pemco | $942 | $159 |
| USAA | $1033 | $174 |
| State Farm | $1085 | $183 |
| Farmers | $1482 | $249 |
| Allstate | $2185 | $368 |
| Grange | $2291 | $389 |
| Cal Casualty | $2559 | $427 |
| National General | $456 | $78 |
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 Kent are offered by Chubb at $374. However, it can be as expensive as $420 with companies like California Causality for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $374 | $63 |
| Auto-Owners Insurance Co | $389 | $67 |
| Travelers | $479 | $79 |
| State Farm | $583 | $98 |
| American Family | $838 | $141 |
| USAA | $914 | $155 |
| Pemco | $921 | $155 |
| Progressive | $1092 | $184 |
| Farmers | $1273 | $214 |
| Allstate | $1685 | $286 |
| California Causality | $420 | $72 |
Car insurance rates in Kent have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kent rose by $190 in December compared to $186 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 Kent rose to $64 in December, compared to $63 in November. This represents an increase of $1 when comparing December and November.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Kent. At $1190 for a six-month policy, insuring your car at 98031 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 98031 | $1190 | $199 |
| 98042 | $1248 | $209 |
| 98030 | $1190 | $199 |
| 98032 | $1190 | $199 |
How much is car insurance in Kent?
The car insurance in Kent is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Kent?
The cheapest car insurance in Kent is $86 per month for full coverage.
How much is car insurance in Kent for teenagers?
Car insurance for teenagers costs $420 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 Kent?
The average cost of car insurance is $768 for a six-month policy. It will cost around $163 per month to insure your car in Kent.
Is car insurance expensive in Kent?
Car insurance can be expensive in Kent if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kent can be affordable.
What is the best car insurance in Kent, WA?
The best car insurance company in Kent WA is Kemper, offering $517 for a six-month policy.
Cut auto insurance costs in Kent right now.