Car insurance costs an average of $119 monthly in Kirkland. Learn more about how rates are set or enter your ZIP to compare quotes.
Why you can trust The Zebra
Car insurance costs an average of $1,435 per year in Kirkland, Washington. That's more than the average rate in Washington ($1,368) and cheaper than the nationwide average of $1,548. Our guide to Kirkland car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to find out more.
|Kirkland Average (annual)||Washington Average||National Average|
One of the most important factors in determining your car insurance costs is the insurance company you work with. For a typical insurance customer, USAA provides Kirkland's cheapest rates. See below the best options for affordable auto insurance in Kirkland. Don't forget to get car insurance quotes based on your driving profile.
|Insurer||Average Annual Rate|
The age group that pays the least for car insurance in Kirkland are drivers in their 50s ($1,279 per year). Rates for Kirkland drivers in their 60s are also relatively affordable, at just $1,318 per year.
Teenage drivers pay Kirkland's most expensive auto insurance rates. When drivers hit their 20s in Kirkland and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Kirkland is $4,205, the largest such difference between any two age groups.
|Age||Average Yearly Rate|
Marital status and gender are contributing factors to car insurance rates in some cases. Married drivers in Kirkland pay $65 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Another component of auto insurance pricing is gender. In Kirkland, female drivers pay $37 per year more than do male drivers.
|Marital Status/Gender||Average Yearly Rate|
Regardless of where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a jump in your car insurance premiums, as insurance companies reward low-risk drivers with the gift of affordable rates.
Kirkland drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $610 per year versus the city average. A ticket for speeding results in a $314 rate increase, on average, while a DUI violation costs $649per year in insurance premiums.
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,964|
|At-fault Accident (damages greater than $2,000)||$2,127|
|Speeding Ticket (16-20 mph over speed limit)||$1,749|
Credit score is often closely related to car insurance costs. Kirkland drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a good way to lower your auto insurance costs. In Kirkland, improving your credit to "Fair" could help you earn $510 in savings on insurance premiums each year.
|Credit Tier||Average Annual Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.