Kennewick, WA
Insuring your car and home in Kennewick, WA
Commute, vehicle, and housing data for Kennewick, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Kennewick has about 86,728 residents in Benton County. 76% of its workers drive to work alone and 61% of households own their home, so most families here need both a car policy and a homeowners policy.
Kennewick commuting and vehicle data
| Measure | Kennewick | Washington |
|---|---|---|
| Drive alone to work | 76% | 63% |
| Carpool | 11% | 8% |
| Work from home | 10% | 20% |
| Commute of 45 minutes or more | 12% | 17% |
| Commute under 15 minutes | 34% | 26% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 27% | 26% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Kennewick commutes are shorter than the Washington norm, with 12% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 10% of Kennewick workers mostly work from home, below the Washington share of 20%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
27% of Kennewick households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Kennewick homeowners picture
Homes in Kennewick carry a median value of $370,700 and a median construction year of 1979. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Washington HO-3 policyholders with $350,000–$399,999 of dwelling coverage paying an average of $1,054; the all-amounts state average was $1,232.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Washington auto minimums that apply in Kennewick
The state minimum is 25/50/10. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Kennewick homeowners bundle?
A bundle can simplify life in Kennewick: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Kennewick
Plan for wildfire east of the Cascades, along with icy winter roads. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Kennewick
Richland: 73% drive alone, 9% commute 45+ minutes, median home $436,700. Seattle: 37% drive alone, 14% commute 45+ minutes, median home $938,600. Spokane: 67% drive alone, 6% commute 45+ minutes, median home $363,500. For share of 45-minute-plus commutes, Kennewick is 19th of 30 Washington cities on this site.
Gathering details for a Kennewick auto and home quote
- Your existing policies and renewal dates
- Roof age and material
- Your Kennewick address, square footage, and year built
- Liability limits you want
- Accidents, tickets, and claims from the last five years
- VINs from registrations or the dashboard
Kennewick auto and home insurance FAQ
What are the minimum car insurance limits for Kennewick drivers?
Washington requires liability of 25/50/10; none beyond liability.
Do Kennewick drivers have long commutes?
About 12% of Kennewick workers commute 45 minutes or more and 34% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Kennewick?
There is no single price. As context, Washington HO-3 policies averaged $1,232 in 2023 (NAIC), and averages rise with dwelling coverage.
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Auto and home insurance in Washington
Last updated October 15, 2026 · How we research