In Kent, drivers pay an annual average of $1,302 for car insurance, which is 3% higher than the state average. The cheapest and most widely available insurer is PEMCO, with rates averaging $844 annually. MoneyGeek analyzed the cheapest by coverage amount and driving history. MoneyGeek also determined the best car insurance companies in Kent that balance affordability and quality service.
bestauto insuranceKent2021The Cheapest and Best Car Insurance in Kent
The Cheapest Car Insurance Companies in Kent
MoneyGeek analyzed the cheapest car insurance in Kent and found that the best car insurance companies offering affordable rates for a full coverage policy are:
- USAA: $653 per year (only available for current and former military members)
- PEMCO: $844 per year
Drivers with a MetLife policy pay 273.0% more than those with a USAA policy and 188.6% more than PEMCO policyholders. You can save money by shopping around for rates.
These prices were gathered based on a 40-year-old male driver looking for a full coverage policy, which includes liability insurance and comprehensive and collision insurance to protect third parties and damages to the driver’s vehicle.
Scroll for more
- CompanyAmountper year
- 1.$653
- 2.PEMCO$844
- 3.$920
- 4.$942
- 5.$996
Average Cost of Car Insurance in Kent
Kent$1,302
Washington$1,264
U.S.$1,424
Since car insurance is a legal requirement across the country, drivers may want to consider the average cost before buying a car. The average car insurance rates in Kent stand at $1,302 per year. This is 3% higher than Washington’s average for car insurance, which is roughly $1,264 per year. Compared to the national rates, Kent drivers pay an average of 8.6% less.
The Best Car Insurance Companies in Kent
MoneyGeek found that the best car insurance companies in Kent for drivers looking to balance affordability and quality are:
- The Hartford: MoneyGeek score of 92.5 out of 100
- GEICO: MoneyGeek score of 85 out of 100
USAA ranked highest, getting a MoneyGeek score of 100 out of 100. However, their services are only available for current and former military members.
MoneyGeek ranked these companies using a unique scoring system that included J.D. Power user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
Hartford
Score:93
3
GEICO
Score:85
4
Allstate
Score:83
5
American Family
Score:80
6
State Farm
Score:80
7
Farmers
Score:80
8
Progressive
Score:80
9
Safeco
Score:78
10
Liberty Mutual
Score:78
11
Nationwide
Score:75
Personalized Quotes to Get You the Cheapest Car Insurance in Kent
Comparing car insurance quotes in Kent can help drivers find the best rates. Premiums are affected by various factors, such as driver history, credit score, miles driven per year and marital status. Some drivers may also qualify for certain discounts or rebates, so it’s important to compare quotes regularly.
Shopping around for car insurance in Kent could save you $458, which is enough to buy:
153Cups of Coffee
35Months of Your Favorite Streaming Service
Cheapest Car Insurance in Kent by Coverage Amount
In Kent or any other city or state, a policy’s coverage amount highly affects the premiums. The average car insurance rates in Kent stand at $749 for a policy that only follows state minimums, but a full coverage policy with higher liability limits costs $1,302 on average. This difference of $553 can protect drivers better in case of an accident.
Washington Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
A state minimum liability-only policy is the cheapest car insurance option Kent drivers can consider. However, it only protects third parties in an accident. For better coverage, a full coverage policy with a 50/100/50 limit gives drivers $100,000 for all parties in an accident with a $50,000 limit per person and $50,000 in property damage limits.
On average, state minimum liability-only policies from PEMCO cost $486 per year in Kent. Increasing the limits on a liability-only policy to 50/100/50 costs roughly $68 more annually. Full coverage policies with 50/100/50 limits cost an average of $778. Drivers can increase their limits to 100/300/100 for just $66 on average.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$338$389
- 2.PEMCO$486$554
- 3.$481$563
- 4.$515$599
- 5.$499$593
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$598$653
- 2.PEMCO$778$844
- 3.$800$996
- 4.$830$920
- 5.$850$942
Cheapest Car Insurance in Kent if You Have Driving Violations
Driving records are a significant factor that insurers take into consideration when determining annual premiums. These records determine a driver’s risk and the likelihood of them making a claim.
For example, a driver with a clean record will pay an average of $942 per year for car insurance with State Farm. However, drivers with a speeding ticket or a DUI pay an average of $87 more. Those who are at fault in an accident pay roughly $173 more.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$765$927$1,373
- 2.$1,029$1,115$1,029
- 3.PEMCO$1,041$1,139$1,388
- 4.$920$1,320$2,167
- 5.$1,318$1,645$1,593
Average Cost of Car Insurance by Postal Code
Location is a factor insurers consider when determining car insurance premiums. Aside from a driver’s state and city, their postal code is also considered. This is because some neighborhoods may have higher crime rates or are more prone to accidents.
Fortunately, the average car insurance rates in Kent are not highly affected by a driver’s ZIP code. The difference between the cheapest ZIP code, 98042, and the most expensive ZIP code, 98031, is just $40.
- Zip CodeState Minimumper year
- 98042$1,282
- 98031$1,322
Insurance Providers That Serve Kent
Factors That Impact Insurance Costs in Kent
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Kent. How Kent ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Kent are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.