For a 40-year-old driver with a clean record, car insurance in Kent, WA, averages about $296 a month ($3,549 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 17% over Washington’s average of $254 a month. Among insurers anyone can buy from, State Farm and GEICO are effectively tied for the lowest full-coverage average in our Kent table, at about $203 and $207 a month.
Kent is one of the more expensive places to insure a car in Washington. Our benchmark driver pays about $296 a month here, about $42 a month more than the state average and about $4 a month more than in Seattle. To see where Kent fits, read how much car insurance costs in Washington State overall.
Our data covers four ZIP codes with a Kent mailing address, from about $289 a month in 98032 to $304 in 98030. Compare car insurance quotes in Kent, WA, from several companies; our guide to Washington State auto insurance quotes covers the rest of the state.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Kent ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Kent, WA, averages about $296 a month ($3,549 a year), and liability-only coverage at Washington’s 25/50/10 minimum averages $114 a month, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. The Washington average is $254 a month, which makes this 17% higher.
Safeco is far more expensive than the other insurers here: its full-coverage average of about $496 a month is 1.9 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Kent average would be about $256 a month.
We compare six car insurance companies in Kent, WA. For our benchmark driver, State Farm and GEICO are effectively tied for the lowest full-coverage average of the six, at about $203 and $207 a month, and Progressive is next at $234. Safeco is the most expensive here, at about $496 a month, so start with the lowest-priced insurers when you compare auto insurance quotes in Kent.
State Farm and GEICO are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Kent table. USAA averages even less, at $142 a month, but it sells only to military members, veterans and their families. The four recent statewide Washington rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: two put GEICO first, one Oregon Mutual and one Mutual of Enumclaw, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, GEICO and State Farm are effectively tied for the lowest average among insurers anyone can buy from, at about $86 and $87 a month. USAA comes in even lower, at about $58 a month, but it sells only to military families.
Full-coverage averages by insurer in Kent
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $1,040 | $87 | $2,437 | $203 |
| GEICO | $1,028 | $86 | $2,488 | $207 |
| Progressive | $1,152 | $96 | $2,811 | $234 |
| Allstate | $1,446 | $121 | $3,337 | $278 |
| PEMCO | $1,650 | $138 | $4,268 | $356 |
| Safeco | $1,868 | $156 | $5,954 | $496 |
| USAA (military families)* | $699 | $58 | $1,708 | $142 |
| American Family* | $1,583 | $132 | $2,691 | $224 |
| Travelers* | $1,328 | $111 | $2,864 | $239 |
| Farmers* | $1,274 | $106 | $2,967 | $247 |
| Kent average | $1,364 | $114 | $3,549 | $296 |
This table uses Kent ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the four Kent ZIP codes we price, full coverage for our driver ranges from about $289 a month in 98032 to $304 in 98030, a gap of $184 a year.
Lowest-priced Kent ZIP codes
Highest-priced Kent ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Kent’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 98030 | $1,401 | $117 | $3,647 | $304 | +3% |
| 98031 | $1,386 | $116 | $3,607 | $301 | +2% |
| 98032 | $1,315 | $110 | $3,463 | $289 | -2% |
| 98042 | $1,355 | $113 | $3,479 | $290 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $164 a year on average in our Kent data, with the same $500 deductibles. That’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Kent ZIP codes, their full-coverage average fell from $3,815 a year nine months earlier to $3,761 in rates as of Aug. 31, 2026, a 1.4% drop. State Farm cut its Kent average 8.3% and Progressive 3.2%, while PEMCO raised its average 1.1%; Allstate’s and Safeco’s averages were unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Kent average above. Liability-only coverage at 25/50/10 limits rose 6.7%, led by Progressive, which raised its liability-only average 31.4%.
South King County is priced closer to Tacoma than to the Eastside in our data. Auburn averages about $297 a month, Federal Way $298 and Renton $291, while King County as a whole averages $283.
GEICO’s and PEMCO’s Kent averages, about $207 and $356 a month, are their highest of the six Washington cities we publish guides for, while State Farm’s $203 is close to its Seattle average. Because Washington lets insurers set rates by where you keep your car, your exact address can move your price.
More Washington cities and towns are in the Washington rates by city table, and you can compare states on our car insurance rates by state page.
Seattle and Bellevue, each about 16 miles north, average $292 and $267 a month, and Tacoma, about 13 miles southwest, averages $305.
Every car insurance policy in Kent must meet Washington’s minimums. Each policy must include at least:
Insurers must also include underinsured motorist coverage, which in Washington covers uninsured and hit-and-run drivers too, and personal injury protection, unless you reject them in writing. Our Washington requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Washington law and the Washington Office of the Insurance Commissioner. We refresh these figures when new rate data is released.
The average cost of car insurance in Kent, WA, is about $296 a month ($3,549 a year) for full coverage and $114 a month for liability-only coverage at Washington’s 25/50/10 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 17% above the Washington average of $254 a month.
State Farm and GEICO are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Kent table, at about $203 and $207 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($142 a month). Progressive’s average is next among the six major insurers we compared, at $234. For liability-only coverage, GEICO and State Farm are effectively tied for the lowest average among insurers anyone can buy from. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Kent full coverage averages about $296 a month, 17% above the Washington average. Neighboring south King County cities are priced about the same: Auburn averages $297 and Federal Way $298.
In our data, 98032 has the lowest full-coverage average in Kent, at about $289 a month, and 98030 the highest, at about $304. The ZIP code table on this page lists all four.
In our Kent data, full coverage (100/300/100 with $500 deductibles) averages about $296 a month and liability-only coverage at 25/50/10 limits about $114, a difference of about $182 a month ($2,185 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Washington law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Kent must carry Washington’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10). Insurers must also include underinsured motorist coverage, which covers uninsured and hit-and-run drivers too, and personal injury protection unless you reject them in writing.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their Kent full-coverage average fell 1.4%, from about $3,815 to $3,761 a year. That’s higher than the Kent average of $3,549 because it leaves out GEICO. State Farm cut its Kent average 8.3% and Progressive 3.2%, while PEMCO raised its average 1.1%. Liability-only coverage at 25/50/10 limits rose 6.7%.
For our benchmark driver, full coverage in Kent averages about $296 a month. Nearby, Tacoma averages about $305, Seattle about $292 and Bellevue about $267. Seattle and Bellevue are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
