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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 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.

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.

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.

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.

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.

Credit Tier Average Annual Rate
Very Poor $2,729
Fair $2,219
Good $1,835
Very Good $1,512
Exceptional $1,216

Curious about how your credit score might impact your auto insurance rates? Click here to discover more.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

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.