Cheap Car Insurance in Kennewick, WA
Everything You Need to Know About Auto Insurance in Washington
Located in Washington’s Tri-Cities area, Kennewick is a thriving city with ample outdoor recreation opportunities and a slower pace of life than larger metropolitan areas. Whether fishing and boating along the Columbia River or attending events at the Three Rivers Convention Center, residents can find plenty of entertainment options indoors and out.
While public transit options are available and Kennewick has several bike and pedestrian lanes, residents are typically car-dependent. Driving in Kennewick requires an active Washington car insurance policy that meets Washington’s state minimum liability requirements. However, many residents opt for full coverage to cover a wider range of costs if involved in an accident or if nature shows its wrath.
Learning more about the average cost of insurance and the factors affecting rates will help you determine the best policy for your needs. A Freeway agent can help you find affordable options to fit your needs, even if your driving record is less than perfect.
How Much Does Car Insurance Cost in Kennewick, Washington?
Kennewick motorists pay an average of $36 per month for the state minimum liability insurance coverage and around $95 monthly for full coverage.
This affordable rate is notably less expensive than state averages of $48 per month for liability and $160 per month for full coverage. It’s also substantially cheaper than national averages of $68 for liability and $224 for full coverage.
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What Does It Mean If Washington Is an At-Fault State?
Washington’s status as an at-fault insurance state means drivers are held financially responsible for the damage and injuries they cause when at fault for an accident.
If you cause an accident that results in injuries or property damage, affected individuals can file a claim with your insurance company to cover the cost of medical bills and property damage. If costs exceed your policy limits, plaintiffs can file a lawsuit against you to cover the remaining costs.
This is an important distinction when choosing the right insurance policy since minimum liability coverage in Washington only covers the cost of damages sustained by the other party. If you have only the minimum liability coverage, you’ll be paying out of pocket for your own injuries and damage to your vehicle if you are responsible for an accident.
Affordable Car Insurance Rates Comparison by Cities in Washington
Insurance premiums in Kennewick are lower than state averages, and the costs residents pay in larger Washington cities. Average insurance prices vary between cities due to different factors, including population, claim rate, theft rate, and driving conditions. Our chart below compares the difference between the cost of auto insurance in Kennewick and nearby cities.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Kennewick | $95 | $36 |
| Pasco | $95 | $36 |
| Richland | $92 | $35 |
| Grandview | $100 | $34 |
| Yakima | $101 | $37 |
Affordable Kennewick Car Insurance Rates by Zip Code
Kennewick is home to three zip codes. Insurance rates frequently vary from one zip code to the next due to subtle differences in each area. For example, urban areas often see more traffic and are home to more accidents.
Factors that affect rates in a single zip code include population, vandalism and theft rates, accident frequency, and road conditions. Our chart below compares the differences in rates in the zip codes in and around Kennewick.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 99336 | $95 | $36 |
| 99337 | $93 | $35 |
| 99338 | $94 | $35 |
| 99301 | $95 | $36 |
| 99346 | $96 | $34 |
| 99323 | $94 | $35 |
| 99350 | $95 | $33 |
Low-Cost Car Insurance Rates by Age in Kennewick
A driver’s age has one of the biggest impacts on the cost of monthly premiums, which can make finding affordable insurance for teens challenging. This higher rate reflects the higher risk associated with insuring inexperienced drivers.
Luckily, costs decrease with every year a teen driver keeps a clean driving record. Liability costs decrease by $73, and full coverage decreases by $169 per month between the ages of 16 and 19 in Kennewick. Check out our table below to compare the average costs of car insurance by age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $303 | $124 |
| 20s | $177 | $59 |
| 30s | $93 | $34 |
| 40s | $89 | $34 |
| 50s | $84 | $33 |
| 60s | $86 | $34 |
| 70s | $99 | $41 |
*Unless otherwise noted, all average rates for drivers are calculated using the following strategy: Male, 30, minimum liability. Premiums for each age group are the average for each group.
Driving Conditions in Kennewick
Driving conditions in Kennewick can be challenging due to congestion and speeding drivers. During the winter months, drivers also need to account for weather conditions, including fog, ice, and snow.
How Many Fatal Accidents Happen in Kennewick?
Eleven fatal accidents occurred in Kennewick in a single year. Six of these accidents involved speeding drivers, and three involved distracted driving. Four of the accidents were single-vehicle crashes.
How Are the Road Infrastructure and Bridges in Kennewick?
While roads in Kennewick have long been known for speeding drivers and traffic congestion, recent and ongoing road projects are contributing to positive change. Projects to improve Kennewick roadways include paving, turn lane additions, and widening of some roads.
Additional projects widening bike and pedestrian lanes throughout the city work to improve safety for both pedestrians and motorists. Kennewick’s famous Blue Bridge, a four-lane arch-truss bridge connecting Pasco to Kennewick, has also recently undergone significant renovations. Improvements included topical structural work and repainting.
Minimum Car Insurance Requirements in Kennewick
It is illegal to drive a car in Washington without having liability insurance or another way to assume responsibility for damages in an accident you cause or are partially responsible for. Washington state minimum liability requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
State or publicly-owned vehicles and common or contract carriers with the Washington Utilities and Transportation Commission are exempt from minimum car insurance requirements.
What Are the Penalties for Driving Without Insurance in Kennewick, Washington?
Drivers in Washington must be prepared to show proof of auto insurance to law enforcement when requested. Failure to show proof of insurance is a traffic infraction, and knowingly providing false evidence of coverage is a misdemeanor. Motorists caught driving without insurance in Kennewick may face the following penalties.
- Fines and fees of $550 or more
- 3-year license suspension if the driver causes an accident that results in damages of at least $1,000 or any bodily injury (offenders may be eligible for a restricted license)
Uninsured drivers involved in an accident can prevent license suspension if they can show proof that the vehicle was insured at the time of the collision, provide a signed settlement agreement from parties seeking damages, or present a signed release from everyone involved in the collision.
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Factors Allowed in Kennewick Car Insurance Rates
Insurance companies use various factors to determine premium amounts based on demographics, insurance policy details, and vehicle type. While you can’t control fixed factors like age and gender, many factors can be altered to help you achieve the right balance.
Factors include:
- Age
- Driving history
- Location
- Type of vehicle
- Marital status
- Education level
Certain details about your policy will also affect your rates. These factors include whether you choose minimum or full coverage, add-on policies, policy limits, and deductibles.
Here’s What You Need to Know When Driving in Washington
Driving in Washington isn’t much different from driving in other states. However, you might encounter some rules and road signals you’re unaccustomed to.
- You can legally make U-turns as long as you can see at least 500 feet in each direction.
- High-occupancy vehicle lanes are reserved for vehicles with two or more people. They are marked by white diamonds and signs indicating how many occupants must be present to qualify.
- Ramp metering signals are located at some on-ramps when entering a freeway to allow one car at a time to enter the freeway. The signals look like traffic lights with only a red and green light (with the green signal being very short).
- Speed limits can change drastically due to a wide variety of terrain types, from flat to mountainous.
- It is illegal to pull into an intersection while waiting to turn left.
What Are the Best Discounts for Car Insurance in Kennewick, WA?
Discounts from insurers are one of the best ways to reduce your insurance costs. Many insurance companies offer discounts for actions like safe driving or lifestyle choices like being in the military. You may also get discounts for being a loyal customer and purchasing all your policies in one place.
Some of the car insurance discounts Kennewick drivers most often take advantage of include:
Meeting frequently with your insurer can help you stay on top of available discounts and ensure you have the coverage you need for your lifestyle.
Get an Online Quote for Car Insurance in Kennewick Today!
Driving legally in Kennewick requires an active insurance policy that meets Washington state liability requirements. However, drivers may choose a range of different coverages based on their lifestyle, lender requirements, and other factors.
No matter what type of car insurance policy you’re looking for, Freeway Insurance can help you explore your options for affordable coverage in Kennewick. Get started by requesting a quote online or calling 800-777-5620. You can also visit a local office near you for in-person assistance.