Cheapest and Best Car Insurance Companies in Kent, WA


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited bySarah Mattie
ByMark Fitzpatrick
Edited bySarah Mattie

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceKent
2024

Cheapest and Best Car Insurance in Kent, WA

Why Trust MoneyGeek? Data from the Washington state department of insurance and Quadrant Information Services were used to conduct our study on car insurance rates in Kent, Washington.

81,780Quotes Analyzed
 
15Companies Compared

Cheapest Minimum Liability 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
PEMCOAnnual Premium$302Monthly Premium$25
Capital Insurance GroupAnnual Premium$381Monthly Premium$32
GEICOAnnual Premium$477Monthly Premium$40
TravelersAnnual Premium$510Monthly Premium$43
ChubbAnnual Premium$516Monthly Premium$43
State FarmAnnual Premium$528Monthly Premium$44
AllstateAnnual Premium$651Monthly Premium$54
FarmersAnnual Premium$705Monthly Premium$59

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.

Cheapest Full Coverage Car Insurance in Kent

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$595Monthly Premium$50
Capital Insurance GroupAnnual Premium$795Monthly Premium$66
KemperAnnual Premium$825Monthly Premium$69
GEICOAnnual Premium$917Monthly Premium$76
TravelersAnnual Premium$979Monthly Premium$82
State FarmAnnual Premium$1,031Monthly Premium$86
AllstateAnnual Premium$1,046Monthly Premium$87
ChubbAnnual Premium$1,150Monthly Premium$96

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.

Loading...

Cheapest Car Insurance in Kent After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
PEMCOAnnual Premium$745Monthly Premium$62
KemperAnnual Premium$1,049Monthly Premium$87
Capital Insurance GroupAnnual Premium$1,100Monthly Premium$92
State FarmAnnual Premium$1,139Monthly Premium$95
AllstateAnnual Premium$1,166Monthly Premium$97
ChubbAnnual Premium$1,280Monthly Premium$107
GEICOAnnual Premium$1,320Monthly Premium$110
TravelersAnnual Premium$1,384Monthly Premium$115

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.

Cheapest Car Insurance in Kent for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$1,839Individual Plan Monthly Premium$5,373
AllstateFamily Plan Annual Premium$2,138Individual Plan Monthly Premium$11,304
NationwideFamily Plan Annual Premium$2,273Individual Plan Monthly Premium$9,483
Capital Insurance GroupFamily Plan Annual Premium$2,408Individual Plan Monthly Premium$4,634
TravelersFamily Plan Annual Premium$2,591Individual Plan Monthly Premium$5,674
State FarmFamily Plan Annual Premium$2,816Individual Plan Monthly Premium$3,949
GEICOFamily Plan Annual Premium$3,319Individual Plan Monthly Premium$11,212
FarmersFamily Plan Annual Premium$3,573Individual Plan Monthly Premium$7,220

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.

Cheapest Car Insurance in Kent for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
PEMCOAnnual Premium$595Monthly Premium$50
USAAAnnual Premium$663Monthly Premium$55
Capital Insurance GroupAnnual Premium$795Monthly Premium$66
KemperAnnual Premium$825Monthly Premium$69
GEICOAnnual Premium$917Monthly Premium$76
TravelersAnnual Premium$979Monthly Premium$82
State FarmAnnual Premium$1,031Monthly Premium$86
AllstateAnnual Premium$1,046Monthly Premium$87

How to Compare Cheap Kent Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jun 13, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Kent: Summary

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.

Best Overall Car Insurance in Kent

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Offers affordable policies and quality service.

checkmark

Has diminished value and original equipment manufacturer (OEM) coverages.

cons

close

Missing some standard add-on coverages.

COMPANY HIGHLIGHTS

Chubb is a well-rounded provider with great pricing, customer service and claims management. However, it doesn’t offer much variety in optional coverages.

With Chubb, you can get uncommon and rare coverages like diminished value coverage, saving you thousands after an accident. By agreeing to your vehicle’s value when the policy is written, this insurer simply sends you a check for the agreed amount in case of a covered loss.

Chubb also offers original equipment manufacturer (OEM) coverage, which pays for the cost of original parts and the repair process to restore your car’s former look and ensure its safety systems are working properly after an accident. However, this company is missing some basic add-on coverages like roadside assistance.

Best Car Insurance in Kent for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Excellent customer satisfaction and claims management scores.

checkmark

Various uncommon coverages like antique/classic car insurance.

cons

close

Below-average coverage options

COMPANY HIGHLIGHTS

Chubb’s quality service is evident from our analysis of J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. Its efficient claims management also gives policyholders peace of mind in an otherwise stressful situation.

Regarding optional coverages, you can purchase antique/classic car insurance to supplement your Chubb auto policy. This financially safeguards vehicles at least 30 years old, part of a larger collection or limited production models. However, vehicles must be garaged and only used for car shows, exhibitions, parades and other car club activities.

For basic coverages, rental car and/or travel reimbursement is available with Chubb. This allows you to rent a car similar to yours if your vehicle isn't drivable due to an accident. However, Chubb's product offerings miss coverage like roadside assistance and gap insurance.

Best Cheap Car Insurance in Kent

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Affordable minimum coverage policy at $516 per year

checkmark

Offers bundling, defensive driving and anti-lock brakes discounts

checkmark

Excellent affordability and customer satisfaction ratings

cons

close

No paperless or pay-in-full discounts.

COMPANY HIGHLIGHTS

Chubb offers affordable minimum coverage policies without skimping on the offered coverage. It also provides several discounts to further reduce insurance payments.

For instance, defensive driving discounts are available to drivers who complete a defensive driving or accident prevention course. Policyholders who bundle their policies can also earn a discount from Chubb.

Additionally, if you have safety features like anti-lock brakes, anti-theft systems or daytime running lights, you may be eligible for premium discounts. Other discounts may be available if your car has an electronic tracking device or a window glass etching. However, you won’t earn discounts for enrolling in paperless billing or paying your annual premium in full.

Average Cost of Car Insurance in Kent

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.