📍Kirkland, WA

Find Insurance Agents in Kirkland, WA

Kirkland has 34 insurance agents averaging 4.8 stars across 5,426 reviews. The most popular services are auto (21 agents), home (21 agents), life (21 agents).

34
Licensed Agents
4.8/5
Avg. Rating
11 yrs
Avg. Experience
7
Service Types

Insurance in Kirkland, Washington

Key insurance factors and local considerations for Kirkland residents.

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Auto Insurance in Kirkland

Washington drivers pay an average of $1,674/yr for auto insurance — 26% below the national average of $2,264. With rain and wet roads year-round and Seattle metro congestion, comprehensive coverage is especially important. Washington is an at-fault state with minimum liability of 25/50/10.

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Home Insurance in Kirkland

Homeowners in Washington pay $1,452/yr on average — 44% below the national average.

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Life Insurance in Kirkland

With Washington's cost of living, Kirkland residents have diverse life insurance needs. Approximately 53% of Washington households carry life insurance.

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Renters Insurance in Kirkland

Many Kirkland residents rent. Renters insurance averages $155/yr in Washington, protecting personal property and beyond.

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Final Expense Insurance in Kirkland

With a growing senior community and regional funeral costs averaging $8,800, final expense insurance helps Kirkland families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Kirkland

Many Kirkland households own pets. With average vet visit costs of $78 in Washington, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Kirkland

Washington has a 6% uninsured rate. Washington operates its own health insurance marketplace. Open enrollment runs November through January.

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📊Local Data

Kirkland, WA Insurance by the Numbers

Key insurance, driving, and demographic statistics for Kirkland and Washington to help you make informed coverage decisions.

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6,009,842
Licensed Drivers in WA
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Auto Insurance

$1,674/yr
Avg. auto premium in WA
21.7%
Uninsured motorist rate
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Home Insurance

$1,452/yr
Avg. homeowners premium in WA
$121/mo
Monthly cost estimate
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Renters Insurance

$155/yr
Avg. renters premium in WA
$13/mo
Monthly cost estimate
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Motorcycle Insurance

$510/yr
Avg. motorcycle premium in WA
All Riders
Helmet law requirement
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Health Insurance

6%
Uninsured rate in WA
State-Based
ACA Marketplace type
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Life Insurance

53%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

700,000
Small businesses in WA
Required
Workers' comp status
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Final Expense

16.2%
Population age 65+
$8,800
Avg. funeral cost
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Pet Insurance

66%
Pet ownership rate
$78
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Kirkland, WA

What types of insurance can I find in Kirkland, WA?
Insurance agents in Kirkland offer auto insurance, home insurance, life insurance, renters insurance, pet insurance, final expense insurance, and health insurance. With 34 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Kirkland?
Kirkland has 34 licensed insurance agents with an average rating of 4.8 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
Why are so many drivers uninsured in Washington?
Washington has an uninsured motorist rate of 21.7%, which is above the national average. High premiums, economic hardship, and limited enforcement all contribute to more drivers going without coverage. If you live in Kirkland, carrying uninsured/underinsured motorist (UM/UIM) coverage is strongly recommended to protect yourself financially.
How much does car insurance cost in Kirkland, WA?
The average car insurance premium in Washington is $1,674 per year, which is below the national average of $2,264. Your actual rate in Kirkland depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Kirkland agents is the best way to find your lowest rate.
How much does renters insurance cost in Kirkland?
Renters insurance in Washington averages about $155 per year, or roughly $13 per month. That's below the national average of $189 per year. Your actual cost in Kirkland depends on your coverage limits, deductible, and any bundled discounts with other policies.
Why are so many people uninsured in Kirkland?
In Kirkland, the state's overall uninsured rate is 21.7%, which exceeds national averages. Contributing factors include the cost of premiums, limited employer-sponsored options, and gaps in Medicaid eligibility. A licensed health insurance agent in Kirkland can help you explore marketplace plans, short-term coverage, or Medicaid options to find affordable protection.

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