How Much Does Auto Insurance Cost in Kent, WA?
Kent car insurance averages $191 a month for full coverage in 2026, but rates from PEMCO Insurance start as low as $133 a month — a $58-a-month gap (about $696 a year) for drivers who compare quotes. Kent’s Amazon fulfillment-center freight traffic and the busy SR-167 Valley Freeway corridor add to King County’s above-average accident frequency, so comparing multiple Washington car insurance quotes using your exact ZIP code is the most reliable way to find your lowest rate.
Rates last verified and updated: July 2026.
- State minimum liability on average in Kent, WA costs $59 a month or $703 a year. Full coverage auto policies costs around $191 a month or $2,294 a year in Kent.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Kent – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Companies in Kent, WA?
- In Kent the cheapest car insurance companies on average are PEMCO Insurance, State Farm and Progressive. State minimum liability car insurance starts at $29 a month or $353 a year with PEMCO Insurance. The cheapest full coverage car insurance starts at $133 a month or $1,599 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Kent from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| PEMCO Ins. | $353 | $29 | $1,599 | $133 |
| State Farm | $496 | $41 | $1,734 | $144 |
| Progressive | $640 | $53 | $2,160 | $180 |
| Allstate | $728 | $61 | $2,177 | $181 |
Finding a Cheap Auto Insurance Policy in Kent, WA
Kent, Washington residents looking to save money on their auto insurance policy rates should consider comparing quotes from multiple companies. By using InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools, drivers can quickly see the cheapest options available from both local and national insurance providers. With the ability to compare prices side by side in one convenient place, individuals can make an informed decision about which company offers the best coverage at a price that fits their budget. Don’t settle for high premiums when there are affordable options out there – take advantage of our free service today and start saving on your car insurance costs.
How Much Car Insurance Do I Need in Washington?
In Washington, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Washington includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Washington requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Washington requires minimum property damage liability coverage of:
- $10,000 for injury to or destruction of property of others in any one accident
- $10,000 for injury to or destruction of property of others in any one accident
This coverage is often abbreviated as 25/50/10. It means that your insurance policy must provide at least $25,000 in coverage for injuries to a single person, $50,000 in coverage for injuries to multiple people in a single accident, and $10,000 in coverage for property damage caused by the accident.
These are the minimum coverage requirements mandated by Washington law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Washington also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Washington and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Kent car insurance averages $59 a month ($703 a year) for state minimum liability coverage and $191 a month ($2,294 a year) for full coverage in 2026, based on InsuranceQuotes.com’s real-time rate data. Comparing quotes from multiple carriers can lower that cost significantly — PEMCO Insurance offers full coverage in Kent for as little as $133 a month.
PEMCO Insurance is the cheapest option in Kent, with state minimum liability averaging $29 a month ($353 a year) and full coverage averaging $133 a month ($1,599 a year). State Farm ($144 a month full coverage), Progressive ($180 a month) and Allstate ($181 a month) round out the most affordable carriers for Kent drivers, based on InsuranceQuotes.com’s Kent rate comparison table.
Kent is home to one of the Puget Sound region’s largest Amazon fulfillment centers, and its SR-167 Valley Freeway corridor carries heavy freight and commuter traffic connecting to I-5. That concentration of industrial and delivery-vehicle traffic, combined with King County’s dense Seattle-Tacoma metro population, tends to push accident frequency — and insurance rates — above what smaller, less industrial Washington cities see.
Washington requires drivers to carry at least 25/50/10 liability coverage: $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 in property damage liability. Many Kent drivers choose higher limits or add collision and comprehensive coverage, which is why the city’s full-coverage average ($191 a month) runs well above the state-minimum average ($59 a month).
The most effective way to save is to compare quotes from multiple carriers using your exact Kent ZIP code, since rates for the same driver profile can vary by more than $50 a month between the cheapest carrier (PEMCO Insurance, $133 a month for full coverage) and pricier options like Allstate ($181 a month). Bundling auto with home or renters insurance, maintaining a clean driving record, and asking about usage-based discounts can lower costs further.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
