Cheapest and Best Car Insurance Companies in Kent, WA

The most affordable auto insurer for you depends on your background and the level of coverage you need. When it comes to minimum and full coverage auto insurance in Kent, PEMCO is the most affordable company. It also offers the cheapest premiums for military families and those with driving violations. Meanwhile, teenagers on family policies may get the lowest rates from Kemper.

If you value service quality along with cost, Chubb is MoneyGeek’s top pick for the best overall car insurance company, best in customer service and best cheap car insurance in Kent.

These auto insurance providers in Kent offer the lowest rates for minimum coverage:

• PEMCO: $302 per year
• Capital Insurance Group: $381 per year

Dairyland has the highest minimum coverage auto insurance premiums at $2,066 per year. PEMCO also offers the cheapest car insurance in Washington at an average of $262 a year as of October 2022. Kent's rates are higher than the state average, as location impacts the costs of just about everything.

According to Washington law, minimum coverage insurance has to cover property damage and bodily injury with the following limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $10,000 property damage liability per accident

The insurance provider covers up to $25,000 in bodily injury liability for each person hurt in an accident. These payments stop at $50,000 per accident. It also pays up to $10,000 for property damage in a single accident. You are responsible for all expenses beyond the limit.

Minimum insurance in Washington provides no coverage for damage to your car. Full collision and comprehensive insurance coverage is the best way to protect yourself.

Here are the companies that offer the most affordable full coverage auto insurance in Kent:

• PEMCO: $595 per year
• Capital Insurance Group: $795 per year

Among Kent's full coverage auto insurance companies, Dairyland charges the highest premium at $4,179 per year. With an average rate of $533 per year, PEMCO is also the least expensive auto insurance provider for full coverage in Washington as of October 2022. Kent's rate is higher than the state's average.

A full coverage policy includes collision and comprehensive coverage.

• Collision Insurance: The cost of replacing or repairing your vehicle, less your deductible, is covered by collision insurance after a covered accident.
• Comprehensive Insurance: Coverage for damage to your car resulting from incidents other than collisions, such as theft or flooding, is part of comprehensive insurance.

Comprehensive coverage policies may not be as beneficial for older vehicles since you may have to spend hundreds more each year on a vehicle that may not warrant the cost.

Kent’s cheapest auto insurance providers for drivers with traffic violations are:

• Speeding ticket: PEMCO ($745 per year)
• At-fault accident: PEMCO ($817 per year)
• DUI: PEMCO ($995 per year)

Dairyland offers the highest rates of $4,876 per year for speeding tickets and $5,366 per year for at-fault accidents on your record. The most expensive insurer for drivers with DUIs is Kemper, which charges $4,411. Rates charged by the cheapest company for poor driving records are typically more costly than those set by the most expensive company for safe driving records.

Higher rates are often associated with more serious violations. The cost of insurance for Kent drivers who have a DUI is at least $353 higher than that of drivers who receive a speeding ticket, for instance. Nevertheless, it's still possible to get affordable auto insurance coverage with a bad driving record.

These Kent car insurance providers offer the most affordable family coverage for teen drivers:

• Kemper: $1,839 per year for female teens and $1,911 per year for male teens
• Allstate: $2,138 per year for female teens and $2,248 per year for male teens

At Progressive, premiums for female and male teens are the most expensive at $4,624 and $5,097, respectively, each year. Younger men often pay higher rates since they're considered to be riskier to cover. This price structure is used by many auto insurers. However, this gap starts to narrow as drivers enter adulthood.

It makes sense to add minors to a family policy rather than have them purchase coverage on their own because solo teen rates are significantly higher. For instance, in Kent, a male teen would pay $2,381 more per year for individual coverage than he would on a family policy. You may save thousands by knowing how to get the cheapest teen auto insurance.

The two cheapest car insurance companies for military personnel and their families looking for full coverage in Kent, Washington, are:

• PEMCO: $595 per year
• USAA: $663 per year

If you opt for the minimum coverage, PEMCO is still the most affordable insurer at $302 per year, while USAA is the second cheapest at $308 per year. But USAA is only for people with military affiliations.

Getting an insurance quote in Kent, Washington, usually involves filling out a lengthy form with a lot of personal information. It can take up to 15 minutes for only one company. That makes the process of manually comparing quotes tedious. Fortunately, the MoneyGeek car insurance calculator can quickly provide a reasonable cost estimate based solely on basic information, such as your age, vehicle type, amount of coverage and driving history.

The best Kent car insurance company for you depends on your preferences for costs, service coverage and other considerations. Here are our top picks across a range of categories.

• Best overall: Chubb (MoneyGeek score 84 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap insurance: Chubb (MoneyGeek score 85 out of 100)

A company's total MoneyGeek score may be modified depending on how various factors are scored.

The best car insurance provider in Washington is also Chubb. For policyholders with military backgrounds, USAA is an excellent choice, with a MoneyGeek score of 84 out of 100.

When every key factor is considered, the following companies came out as the top auto insurance providers in Kent:

• Chubb: MoneyGeek score 84 out of 100 ($1,150 per year)
• Capital Insurance Group: MoneyGeek score 80 out of 100 ($795 per year)

Affordable policies and excellent service are both provided by Chubb. This indicates that customers of this auto insurer don't need to spend a lot to get good service.

Meanwhile, the best choice for those with military affiliation, such as servicemembers, veterans or their families, is USAA, which has a MoneyGeek score of 84 out of 100.

After taking into account only customer service and temporarily excluding cost in our scoring system, the following Kent auto insurance providers stand out as the best:

• Chubb: MoneyGeek score 76 out of 100 ($1,150 per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($795 per year)

Chubb achieves the best balance between customer service and claims management compared to its competitors. However, it’s more expensive than some other insurance companies.

The best insurance companies in Kent, based on pricing and quality of service, for minimum coverage, are:

• Chubb: MoneyGeek score 85 out of 100 ($516 per year)
• Capital Insurance Group: MoneyGeek score 81 out of 100 ($381 per year)

Minimum coverage auto policies often have the cheapest premiums. But they offer the least liability protection. For example, they don't cover damage to your own car in the event of an accident.

The average cost of car insurance in Kent is $1,282. This is $113 more expensive than the average cost of auto insurance in Washington and $17 higher than the $1,265 national average as of October 2022. Location is just one of many factors determining car insurance costs.

The premiums listed above are for a full coverage policy providing bodily injury liability limits of $100,000 per person, $300,000 per accident, and $100,000 per accident for property damage liability.