Best cheap car insurance in Kent for 2021

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Nestled between Tacoma and Seattle is Kent, Washington, with a population of a little over 131,000. Whether you choose to live there because you are surrounded by a multitude of state parks and natural beauty, or love the outdoor shopping and quaint downtown, you will need the best car insurance in Kent for proper coverage. Fortunately you can likely find this, even on a budget, because residents of Kent pay an average of $605 annually for minimum coverage and $1,380 for a full coverage policy

A variety of both local and national carriers were reviewed by Bankrate in several categories, including customer service scores, coverage options and discounts, all used to determine the best cheap car insurance in Kent.

Best car insurance companies in Kent

A number of carriers were reviewed in multiple categories, including the score with the J.D. Power auto insurance survey for the Northwest region. Other factors were reviewed too, such as which ones offered the best digital tools, coverage options and discounts. We also used 2021 rate data from Quadrant Information Services to determine average costs.

Insurance company J.D. Power customer satisfaction score
Northwest Region
Average annual premium for minimum coverage Average annual premium for full coverage
USAA 883 / 1000 $405 $970
Pemco 827 / 1000 $422 $1,146
Progressive 821 / 1000 $508 $1,149
State Farm 814 / 1000 $562 $1,183

USAA

USAA offers the best cheap auto insurance in Kent for current members of the military, veterans and their eligible immediate family members. USAA earned 883 out of 1,000 possible points with the 2020 J.D. Power score, showcasing its strong emphasis on customer service. USAA offers a wide variety of auto insurance coverage options, including roadside assistance and personal injury protection (PIP) for a well-rounded policy.

Pemco

A regional carrier which services residents of Washington and Oregon, Pemco is the highest ranking local carrier on the 2020 J.D. Power ratings. In addition to strong customer service, Pemco provides a wide variety of coverages including up to $1,000 in pet coverage if your dog or cat is injured or killed in an accident while riding with you. If you need discounts, there is a long list of ones available, including discounts for educators and loyal customers.

Progressive

Progressive may have scored below the industry average from J.D. Power, however Progressive still offers an array of discounts and potentially cheap auto insurance rates to make it worth a second look. You can save with Progressive if you bundle your policy, pay your policy up front instead of installments or receive paperless statements to name a few.

State Farm

Not only does State Farm offer some of the best cheap insurance rates in Kent, you will find it does so with a number of digital tools. State Farm allows you to obtain a quote, purchase a policy, make changes to your policy or contact your agent all via online or the mobile app. If that does not work for you, you can call your agent directly or the customer service number. In other words, whatever your preference is for policy management, State Farm has the tools.

Cheapest car insurance in Kent

The average annual cost of car insurance in Kent is $605 for minimum coverage, and $1,380 for a full coverage policy. This is higher than the average for a full coverage policy in Washington, which is around $1,176 per year. On a broader scale, the cost of car insurance in Kent is less expensive than the national average of $1,674 per year for full coverage.

Bankrate reviewed a number of local and national carriers to examine which ones are offering both competitive rates, along with high customer satisfaction ratings and financial strength. The digital assets offered, coverage options available and discounts were also examined. USAA leads the pack with the lowest premiums while scoring high with J.D. Power overall customer satisfaction, and the A++ Superior Rating for financial strength with AM Best.

Geico is another carrier with high J.D. Power scores, an A++ Superior AM Best ranking and lower rates versus others. You will also find Progressive, State Farm and Travelers all fall below the average for costs of minimum coverage policies too.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $405 $970
Geico $496 $1,086
Progressive $508 $1,149
State Farm $562 $1,183
Travelers $562 $1,028

Kent insurance requirements

Washington, like most other states, requires drivers to carry a minimum amount of auto insurance. This includes minimum coverage of 25/50/10 in liability:

  • $25,000 of bodily injury or death of one individual in an accident
  • $50,000 of bodily injury or death of two individuals in an accident
  • $10,000 of property damage coverage in an accident

These are only the minimums, and many people opt for more coverage for more financial protection and add-on options. For instance, Washington is ranked the 5th highest in the country for the number of uninsured motorists on the road. If you are involved in an accident with someone without insurance, your optional uninsured motorist coverage would pay for your medical expenses and lost wages when the other driver is ruled at-fault.

Car insurance discounts in Kent

If you are looking for ways to save further on car insurance in Kent, taking advantage of as many discounts as possible is a great place to start. Find out if you qualify for discounts such as:

  • Paperless statements: If you opt to receive your statements digitally, versus in the mail, many carriers will offer a discount for paperless statements.
  • Defensive driving: If you participate in an approved defensive driving course, not only do you learn valuable safety skills and the applicable laws, but you may save on premiums (as long as the carrier approves the course).
  • Safety equipment: If your car is equipped with safety options such as airbags, an anti-theft system or anti-lock brakes, find out if you qualify for additional savings on your policy.
  • Bundling: One of the best ways to save money is to bundle your policy with the same carrier that you purchase your homeowners or renters insurance through. It is both a savings of time and money when you use the same carrier.

Discounts can save you a worthwhile amount of money on premiums, but there are other options for savings available too. If you raise your deductible and are willing to pay more out of pocket if you have a claim, then you should see a reduction in your premiums. Comparison shopping is another smart way to save. Comparing multiple carriers gives you insights into which one is offering the best coverage options for your budget.

Frequently asked questions

What is the best car insurance company?

The best car insurance company in Kent is the one providing you the most coverage options for your budget, while also maintaining a commitment to customer service, financial stability and offering customers digital assets for better policy management. Bankrate has also reviewed several national carriers and found Geico, USAA and Amica are excellent options and worth close consideration.

How much does car insurance in Kent cost?

The average annual cost of car insurance in Kent is $605 for minimum coverage, and $1,380 for a full coverage policy. While these rates are closely aligned with the national average, your own rates could be lower or higher. Insurance rates are dependent on numerous personal factors, including your zip code, vehicle and driving history, age, coverage options and discounts you choose.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.