Find Car Insurance in Kennewick, WA

What You Should Know About Car Insurance in Kennewick, WA

Unlike many cities and towns located in the state of Washington, Kennewick truly stands out with its more than 300 days of sunshine, low precipitation, reasonable cost of living and amazing views of the Columbia River. Residents here enjoy a family-friendly atmosphere with plenty of recreational activities such as hiking and fishing.

Kennewick is the location of Washington’s first organic winery. The air quality is good, natural disasters are few and far between and the roughly 85,000 population is not considered crowded. With highly-rated schools and ample job opportunities, there is a reason people choose Kennewick as their home.

As with most cities, however, idyllic Kennewick has some trouble spots on the roads, including at Gage Boulevard and Steptoe Avenue, as well as at Highway 395 and 27th Avenue. These spots include too many signs and stop lights that distract drivers.

If you live in Kennewick, it’s always best to make sure you are protected with the best car insurance in Washington. At InsureOne, you’ll find the concierge service you are looking for with customizable plans.

How Much Does Car Insurance Cost in Kennewick, Washington?

The average cost of car insurance in Washington is $159 per month for full coverage, and $48 per month for the basic required minimum liability. In Kennewick, minimum liability averages $30, while full coverage is around $95 per month. Nationwide, the average is $67 for minimum liability and $224 for full coverage

Kennewick residents may enjoy lower than normal rates if they have a clean driving history.

What Does it Mean if Washington is an At-Fault State?

Washington is an at-fault state, meaning if you are found to be at fault for an accident, your insurer will help pay the costs of injuries and damages to others – up to your policy limits. Many people never think they will cause an accident, but all it takes is a slippery road to cause you to hydroplane into someone else.

Your required liability, consisting of bodily injury and property damage, is intended to pay for others you hurt if you cause an accident. It won’t pay anything for your own bills and costs. Similarly, if someone injures you or damages your property, their insurance will help pay for your costs.

Affordable Car Insurance Rates Comparison by Cities in Washington

There are many factors that insurers plug into their algorithms to come up with your car insurance quote. Location is one of those. If you live in an area where accidents are common, your rates may be higher than someone who lives in an area where traffic is less congested. Take a look at this table to see how rates in Kennewick compare to other cities in Washington.

City	Full Coverage Insurance	Liability Insurance Coverage
Kennewick	$95	$36
Seattle	$123	$48
Spokane	$110	$40
Bellingham	$95	$37
Kirkland	$115	$46

How Bundling Your Car and Homeowners Insurance Can Save You Money in Kennewick

We get it. You want the best coverage available to protect what’s important, but it never hurts to save a little money at the same time. The bundling discount is one of the best at 25-30% and, if you qualify, can save quite a bit on your policy.

For those who own a home and a car in Kennewick, bundling your policies with one carrier helps you future-proof your costs and your coverage – and adapts to life’s changes.

Combining your auto coverage and home insurance in one policy will also reduce the paperwork needed to deal with your insurance, on both sides. Your insurer needs to expend less resources on your policy, so they are happy to provide you with a thank you bonus. You’ll also find it easier to pay your bills and make changes when your coverage is all together in one spot.

At InsureOne, our professional and knowledgeable agents will show you how we are a one-stop shop for all your insurance needs.

What Types of Car Insurance Discounts are Available in Kennewick?

Discounts are a way competing insurance agencies make themselves more attractive to you. Who offers the best discounts? Which ones do you qualify for – the ones with a lot of meat? Let’s take a look at some of the common discounts available, but keep in mind, you don’t have to do all this research on your own: Your InsureOne agent is happy to do all that work for you and present you with several of the best options.

Discount	What It’s Worth
Good or Safe Driver	10-30%
Telematics	Up to 40%
Paid in Full	5-10%
New Car	10%
Good Student	15%

Notable Car Insurance Laws in Kennewick

Washington State has some fun – and slightly weird – rules around driving in the state. Make sure you don’t break any of these regulations while driving in Kennewick:

• No lollipops in your mouth: Drivers are not allowed to have a lollipop in their mouth.
• Zipper merging: Some people love it, some hate it, but in Washington, you must yield to vehicles “zippering” into one lane in a construction zone.
• No fishbowls on buses: Not sure why anyone would, but it is illegal to carry a fishbowl on a bus.

What are the Mandatory Car Insurance Requirements in Kennewick?

As is the case for all drivers in the Evergreen State, drivers in Kennewick must carry at least:

• Property Damage Liability: $10,000
• Bodily Injury Liability: $25,000 per person and $50,000 per accident

These very low limits will not offer much protection if you accidentally total someone’s brand new Tesla, which a lot of people in Washington seem to own. You can always increase your limits – and you probably should. Speak with your friendly neighborhood agent to find a good mix of protection and affordability.

What is the Penalty for Driving without Insurance in Kennewick?

Washington State takes the offense of driving without insurance very seriously – and it can get expensive fast, especially if you cause an accident with no insurance. Aside from fines, you could lose your license to drive. If that’s not enough to deter you, a conviction would likely result in the need to carry SR-22 insurance, which labels you a high-risk driver to insurers, meaning your insurance costs will skyrocket. Here are a few of the penalties you could face:

• Fines: At least $550
• Suspended license
• SR-22 insurance
• Community service

If you cause an accident while driving uninsured, you’ll be responsible for paying any damages over $1,000. If you do not pay, you will lose your license to drive.

What Factors Go into My Car Insurance Cost in Kennewick?

We talked about some of the factors that go into your policy quote, including your location and any available discounts. Your cost will also be impacted by the structure and monetary value of your policy, including what types of coverage you opt for, such as adding uninsured motorist coverage. A few other factors are:

• Age: As always, young and inexperienced drivers will pay the most since they have no history behind the wheel. There are plenty of ways teen drivers and their parents can reduce these costs.
• Type of vehicle: The type of vehicle you choose will have an impact on your costs, although typically the color of the car being important is just another auto insurance myth.
• Relationship status: Insurers tend to view people in a committed relationship, such as marriage, as more responsible and may receive a slightly better rate than their single peers.

Typical Driving Conditions in Kennewick

Driving in Kennewick, Washington is generally smooth and convenient. The roads are well-maintained, and traffic is typically light to moderate, especially compared to larger cities. With a grid-like street layout and clear signage, navigation is straightforward. Winters can bring icy conditions, so caution is needed during that season. Parking is usually easy to find, both downtown and in residential areas. Overall, Kennewick offers a relaxed and accessible driving experience for residents and visitors alike.

How Many Car Accidents Happen in Kennewick Per Year?

Driving in Kennewick is usually smooth, although like everywhere, there are the unfortunate fatal accidents. Between 2021 and 23, Kennewick has a total of 18 fatal crashes, with only 1 in 2021 and 8 in 2023.

In 2023, Kennewick reported 8 fatal accidents in the city limits.

CRASH CATEGORY	2023 TOTALS
Total Fatal and Injury	277
Fatalities	8
Distracted Driving	165 with 2 fatal accidents
Alcohol	39 with 2 fatal accidents
Pedestrian	21 with 1 fatal accident

How Many Uninsured/Underinsured Motorists are in Kennewick?

Unfortunately, Washington is considered one of the states with the highest number of uninsured drivers at 1 in 5. There is an easy fix to putting your finances at risk in the event you are in an accident caused by someone with no insurance and that is adding uninsured motorist coverage to your policy.

The importance of adding uninsured motorist coverage to your policy cannot be overstated. Plus – it’s not expensive. It only costs about 5% of your total policy cost.