Compare the Cheapest Car Insurance Quotes in Kent

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.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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Affordable auto insurance depends in large part on your coverage needs and driver profile. In Kent, PEMCO offers the cheapest full coverage insurance, while Progressive has the least expensive state minimum policies. Drivers with a speeding ticket should look to GEICO for the cheapest coverage. For military families, USAA may be another affordable option; however, The Hartford is MoneyGeek’s pick for the best overall auto insurance company in the city, balancing affordability with customer service.

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The Cheapest and Best Car Insurance in Kent

The Cheapest Car Insurance Companies in Kent

The most affordable auto insurance providers in Kent for full coverage, widely available policies are:

  • PEMCO: $844 per year
  • GEICO: $920 per year

USAA auto insurance is an even cheaper choice with an average yearly rate of $653, but it’s exclusive to former and current military personnel and their families in Kent.

PEMCO is the least expensive, widely available insurance company in Kent, with an average yearly premium of $844. That’s about 188% less than MetLife, the city's most expensive insurance company.

Comprehensive and collision coverage is included in a full coverage policy, but the annual premium varies depending on the insurer itself, your unique profile and the liability limits you select.

Cheapest Car Insurance in Kent
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $653
  • 2.
    PEMCO
    $844
  • 3.
    GEICO
    $920
  • 4.
    State Farm
    $942
  • 5.
    Progressive
    $996
  • 6.
    Allstate
    $1,196
  • 7.
    Allied
    $1,248
  • 8.
    Travelers
    $1,267
  • 9.
    American Family
    $1,414
  • 10.
    Farmers
    $1,760
  • 11.
    MetLife
    $2,436

Following MoneyGeek's methodology, the average auto insurance rates we collected are based on a sample profile of a 40-year-old male driver in Kent with full coverage car insurance.

Full coverage auto insurance includes comprehensive and collision coverage and is always more expensive than minimum coverage. However, full coverage gives you much more protection in an accident and helps you pay to repair damage to your car.

  • Collision Insurance: Repairs to your car when damaged due to an accident are covered with collision insurance.
  • Comprehensive Insurance: Repairs to your car caused by events other than collision such as hail, theft or vandalism, are covered with comprehensive insurance.

State minimum insurance may be a better option if you own an older vehicle, especially if a full coverage car insurance policy costs more than your car’s replacement value. If this is your case and you’re looking to save money on premiums, you may opt for liability-only or state minimum coverage.

Compare Car Insurance Rates in Kent

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Kent for Minimum Coverage

The cheapest car insurance is state minimum or liability-only coverage. In Kent, these companies offer the most competitive rates on average:

  • Progressive: $481 per year
  • PEMCO: $486 per year

USAA is an even cheaper option if you are on active duty or a military veteran. The insurance company provides comparable coverage at $338 per year; however, USAA car insurance is exclusive to military personnel and their dependents.

Progressive's average annual premium is $961 less than Metlife's average yearly premium of $1,442, the most expensive in the city. While minimum coverage is the cheapest, it excludes comprehensive and collision coverage and has much lower liability limits than full coverage. As a result, you may be underinsured in the event of an accident.

The table below illustrates how rates fluctuate when liability limits are increased.

Cheapest Minimum Liability Car Insurance in Kent
State Minimum

Drivers in Washington must by law have car insurance that meets state minimum requirements, which includes liability coverage of 25/50/10. While this is the cheapest insurance option in Kent, it provides the least protection. You may end up paying much more in an accident than the cost of full coverage annual premiums.

For example, if you’re at fault in an accident, and the other driver’s medical bill is $35,000, you’re only covered for $25,000 of that amount. You’ll have to pay the remaining $10,000 out of pocket.

Washington Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Kent if You Have Driving Violations

A traffic violation, whether a speeding ticket, at-fault accident or DUI, may increase your premiums, sometimes by quite a bit. According to your violation, the cheapest insurers in Kent are:

  • Cheapest after a ticket: GEICO, $920 per year
  • Cheapest after an at-fault accident: State Farm, $1,115 per year
  • Cheapest after a DUI: State Farm, $1,029 per year

The most effective strategy to reduce your insurance costs if you have infractions is to improve your driving record gradually. Meanwhile, it's prudent to shop around for insurance to see which companies give the cheapest cheap rates after a traffic violation or accident.

Cheapest Car Insurance in Kent With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Kent

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Kent

For Kent drivers looking for insurance companies that provide reasonable coverage and dependable service, MoneyGeek’s research shows the top overall insurers in the city for most drivers are:

  • The Hartford: MoneyGeek score of 92.5 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

MoneyGeek's grading system awarded USAA the highest score. However, since USAA is limited to military personnel, veterans, and their families, we did not include it in our list of best overall.

MoneyGeek determined the rankings of these vehicle insurance providers based on a variety of characteristics, including insurer stability, user satisfaction and affordability. One of the resources in our analysis is consumer intelligence company J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:92.5

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:77.5

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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 Code
    State Minimumper year
  • 98042
    $1,282
  • 98031
    $1,322

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.

accident2 icon
Most Accidents With Fatalities110th/300
handcuffs2 icon
Most Car Thefts256th/300
uninsured icon
Most Uninsured Motorists by State7th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall125th/300
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Most Rainy Days4th/300

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


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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