What's the average car insurance rate in Kirkland?
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 CAR INSURANCE RATES
| Kirkland Average (annual) | Washington Average | National Average |
| $1,435 | $1,368 | $1,548 |
Table of contents:
Kirkland car insurance rates by provider
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.
KIRKLAND AUTO INSURANCE PREMIUMS BY COMPANY
| Insurer | Average Annual Rate |
| USAA | $944 |
| PEMCO Insurance | $1,009 |
| Progressive | $1,292 |
| State Farm | $1,352 |
| Allstate | $1,947 |
Check out our guide to learn how to find the best cheap car insurance.
Kirkland auto insurance premiums by age
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.
KIRKLAND AUTO INSURANCE COSTS BY AGE
| Age | Average Yearly Rate |
| Teenagers | $6,078 |
| 20s | $1,873 |
| 30s | $1,436 |
| 40s | $1,364 |
| 50s | $1,279 |
| 60s | $1,318 |
| 70s | $1,642 |
Find out more about how age affects auto insurance rates.
Kirkland auto insurance premiums by gender and marital status
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.
INSURANCE RATES IN KIRKLAND BY MARITAL STATUS AND GENDER
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,472 |
| Male | $1,435 |
| Single | $1,435 |
| Married | $1,370 |
| Divorced | $1,435 |
| Widowed | $1,411 |
Discover more about how gender and marital status have on auto insurance rates.
Kirkland car insurance costs by accident and violation history
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.
KIRKLAND CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Incident/Violation | Average Annual Rate |
| DUI/DWI | $2,084 |
| Reckless Driving | $2,045 |
| 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 |
Get more info on how a bad driving history can impact your car insurance costs.
Kirkland auto insurance rates by credit level
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.
KIRKLAND CAR INSURANCE RATES BY CREDIT LEVEL
| Credit Tier | Average Annual Rate |
| Very Poor | $2,729 |
| Fair | $2,219 |
| Good | $1,835 |
| Very Good | $1,512 |
| Exceptional | $1,216 |
