Car Insurance in Kenmore, WA
Not every Kenmore driver puts the same miles in. Maybe you work from home, or maybe SR 522 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Kenmore?
The average estimated cost of Lemonade car insurance in Kenmore ranges from roughly $2,460 to $2,520 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Kenmore?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Kenmore?
Every Kenmore driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what Washington requires.
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $10,000 |
What additional car insurance coverages
does Lemonade offer in Kenmore?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read morePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Kenmore?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Beyond Kenmore: car insurance across Washington
Kenmore car insurance FAQs
What happens if you drive without insurance in Kenmore, WA?
Washington state requires all drivers to carry minimum liability coverage, and skipping it can mean fines, a suspended license, and having to pay out of pocket if you cause an accident. If you’re caught driving uninsured in Kenmore, you could also be required to file an SR-22 certificate to get your driving privileges reinstated. It’s a costly situation that’s easy to avoid.
How does Kenmore's weather affect car insurance?
Kenmore gets its share of Pacific Northwest rain, and wet roads along routes like Bothell Way NE can make fender benders more common, especially in fall and winter. Comprehensive coverage can also help if windstorms or falling branches damage your parked car. If you’re logging fewer miles during nasty weather, pay-per-mile insurance means you’re not paying for miles you didn’t drive.
Can younger drivers in Kenmore get a fair rate on car insurance?
Young drivers often pay more for car insurance, but safe driving habits can make a real difference in what you pay. With pay-per-mile insurance, a young driver in Kenmore who keeps their mileage low and drives responsibly can end up paying less than their age alone might suggest. It’s a setup that rewards you for how you actually drive, not just how old you are.
What coverage options go beyond Washington's state minimum?
Washington’s minimum only covers liability, meaning damage you cause to others, but it won’t pay for your own car if something goes wrong. Adding collision coverage helps if you’re in an accident, and comprehensive covers things like theft, falling trees, or hail damage. For most Kenmore drivers, especially those with newer or financed cars, going beyond the minimum is worth it.
What should you do after a car accident in Kenmore, WA?
First, make sure everyone is safe and call 911 if there are injuries or significant damage. Exchange information with the other driver, document the scene with photos, and file a report with the Kenmore Police Department or Washington State Patrol if required. Then contact your insurance provider as soon as possible to start your claim.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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