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Finding the cheapest car insurance quotes in Kingsgate shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Kingsgate
The car insurance rate in Kingsgate is $860 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Kingsgate 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 $459 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $618 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 $638
for six months, making it
the third cheapest auto insurance company in Kingsgate.
Kingsgate Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kingsgate, WA is Kemper, offering policies at just $459 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $618.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingsgate drivers find the best deals.
Way's key takeaways about car insurance in Kingsgate
The auto insurance costs in Kingsgate fall around $459 for six
months.
The cheapest auto insurance company in Kingsgate is USAA.
Teen drivers pay the highest rate in Kingsgate at $139 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Kingsgate
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 Kingsgate are given below.
USAA provides
the cheapest minimum car insurance
coverage in Kingsgate. Their Average 6 Month Premium is $213.
California Causality is the most
expensive at $267 for the same
period.
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 Kingsgate is Kemper
at $76 per month and $459
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kingsgate,
WA
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Instantly!
Average Car Insurance in Kingsgate 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 Kingsgate, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kingsgate, 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, Kingsgate's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kingsgate
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
$758
30s
PEMCO
$531
40s
PEMCO
$536
50s
PEMCO
$510
60s
PEMCO
$536
70s
PEMCO
$666
Cheapest Car Insurance Rates for Teen Drivers in
Kingsgate,WA
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Kingsgate at $63
per
month. At $819 for a six-month premium,
California Causality offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Kingsgate.
As young drivers face the highest rates in Kingsgate, PEMCO
offers the cheapest auto insurance rates at $758 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 Kingsgate,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $260 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
Kingsgate is California Causality, offering
rates of around $612 for six
months.
Save up to $971/yr on car insurance rates in Kingsgate.
Car Insurance Rates with An Accident in Kingsgate
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 Kingsgate, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kingsgate
The cheapest car insurance companies after an at-fault accident in
Kingsgate include AutoOwners Insurance Co
and Encompass, offering $333
and $380,
respectively. California Causality is an expensive provider
with an average six-month premium of
$459.
Here is a list of driving violations that can increase your car
insurance rates in Kingsgate WA. For example, the car
insurance in Kingsgate
after a DUI increases to $912 for a six
month policy. While the rate increases by $260 for a six-month policy in the case of
a speeding ticket.
Kingsgate auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1197
$199
One Med/PIP claim
$1197
$204
Not-at-fault accident
$1238
$206
Two Med/PIP claims
$1238
$211
One comp claim
$1244
$207
Two comp claims
$1297
$221
Failure to show documents
$1430
$239
Child safety restraint
$1444
$245
Driving without lights
$1457
$243
Failure to wear a seat belt
$1457
$248
Speeding 11 - 15 MPH over limit
$1457
$243
Speeding 16 - 20 MPH over limit
$1457
$248
Speeding 6 - 10 MPH over limit
$1457
$243
Driving too slowly
$1471
$250
Driving with expired registration
$1471
$245
Cell phone violation
$1477
$251
Failure to yield
$1477
$246
Improper passing
$1477
$251
Texting while driving
$1477
$246
Wrong way/wrong lane
$1477
$251
Failure to stop at a red light
$1484
$248
Following too closely
$1484
$252
Illegal turn
$1484
$248
Speeding in school zone
$1550
$263
Passing school bus
$1557
$260
At-fault accident - less than $1000
$1577
$268
Speeding 21 - 25 MPH over limit
$1577
$263
Open container
$1584
$269
In 65 MPH zone
$1643
$274
At-fault accident - $1000-$2000
$1704
$290
At-fault accident - greater than $2000
$1710
$284
Operating a vehicle without permission
$1723
$293
Refusal to submit to a chemical test
$2062
$344
Reckless driving
$2069
$352
Driving with a suspended license
$2089
$348
DUI
$2109
$358
Racing
$2182
$364
Leaving scene of an accident/hit and run
$2195
$373
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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 Kingsgate 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 Kingsgate.
The cheapest car insurance premiums in
Kingsgate are
offered by Chubb at $380 for a six-month policy.
However, it can be as
expensive as $405 with companies
like National General.
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 Kingsgate are offered by Chubb
at $333. However,
it can be as expensive as $373
with companies like California Causality for a similar
six-month premium.
Cheapest Car Insurance in Kingsgate after Speeding ticket
Car Insurance Price Trends in Kingsgate,
Washington
Car insurance rates in Kingsgate have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kingsgate rose by
$169 in December
compared to $166 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Kingsgate rose to $57 in December,
compared to $56 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Kingsgate by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kingsgate. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Kingsgate?
The car insurance in Kingsgate is $36 per month, which is lower than the national average.
What is the cheapest car insurance in Kingsgate?
The cheapest car insurance in Kingsgate
is $76 per month
for full coverage.
How much is car insurance in Kingsgate for teenagers?
Car insurance for teenagers costs $373 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
Kingsgate?
The average cost of car insurance is $768 for a six-month
policy. It will cost around $144 per month to insure your
car in Kingsgate.
Is car insurance expensive in Kingsgate?
Car insurance can be expensive in Kingsgate if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kingsgate can be
affordable.
What is the best car insurance in Kingsgate,
WA?
The best car insurance company in Kingsgate
WA is
Kemper, offering $459 for a
six-month policy.
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Kingsgate Car Insurance
