Auto Insurance In Kirkland, WA
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We all want cheap insurance, but don't forget reliable insurance and dependable service are also important. It is what matters the most when you need to make a claim or when you are looking for help. Everyone needs insurance so make sure you choose an agency that you can trust to be there for you.

Our agency will be there every step of the way and help you to navigate through the claim process. Our attention to details combined with more than a decade of experience helping customers with claims will assure you the peace of mind that you deserve.

Alice Yao has been helping local Washington customers since 2007 and opened her own insurance agency in Kirkland, WA in 2018. Alice and her team are dedicated to provide dependable service and offer useful insurance knowledge that is easy to read and understand. 

See what our customers have to say about our highly-rated service.

Team AYAO - dependable insurance agents in Kirkland, WA
Experienced local agents

We understand the importance of being able to reach your insurance agents. Our team is dedicated to provide responsive service and will always pick up your phone calls and promptly return your emails. 

As a small business owner in Kirkland and a resident in the Eastside for more than 20 years, I care deeply about our community. I sincerely appreciate the continuing trust in my agency and I will always maintain the highest integrity and provide honest and helpful information.

Frequently Asked Questions

What are your agency hours?
Monday: 9:00 AM - 6:00 PM
Tuesday: 9:00 AM - 6:00 PM
Wednesday: 9:00 AM - 6:00 PM
Thursday: 9:00 AM - 6:00 PM
Friday: 9:00 AM - 6:00 PM
Saturday: By Appointment
Sunday: Closed

Personalizing your insurance quote

Average time to process a quote may take anywhere between 15 to 30 minutes. In most situations, our licensed insurance agents will be able to go over details of your coverages and different options available within an hour of the initial phone call.

In order to provide an accurate auto and home insurance quote, we will request for the following information:

Basic information
  • Your full legal name.
  • Your date of birth.
  • Your current home address. 
Auto insurance quote
  • Other drivers in your household.
  • Year, make, and model of all the cars you own.
  • Estimated annual miles driven.
  • Driving history of all the drivers.
  • Current auto insurance carrier.
Specific guidelines for auto insurance in Kirkland, WA

In Washington State, the minimum auto liability insurance limits required by law are:

  • Bodily injury liability insurance limit per person: $25,000
  • Bodily injury liability insurance limit per accident: $50,000
  • Property damage liability insurance limit per accident: $10,000

In addition, there are two specific coverages that a licensed insurance professional is required to offer to customers: uninsured/underinsured motorist and personal injury protection coverages. Customers can choose to opt-out of these two coverages by signing the required waiver form. 

Insurance 101: Auto insurance coverages

Liability coverage: Also known as the “other person” coverage, auto liability is the coverage on your policy that covers injuries and damages to the other driver and/or passengers if you were at fault in a car accident. 

Collision coverageCollision coverage is the coverage you will use to repair or replace your car if it was damaged in an accident with another car or in a rollover crash. If your car is leased or financed, your lender is likely to require you to carry collision coverage in your auto policy. 

Comprehensive coverageComprehensive coverage is the enhanced protection for your car and it will cover damages that are not result of a collision or rollover. In our experience, the most common usage of comprehensive coverage is for a windshield repair or replacement. Similar to collision coverage, if your car is leased or financed, your lender is likely to require you to carry comprehensive coverage in your auto policy. 

Personal injury protection (PIP): PIP coverage will take care of your injuries if you were involved in a car accident. The best feature of PIP coverage is its immediate benefits after an accident. PIP is also commonly known as the “no-fault coverage” which means the benefits will apply regardless who was at fault for the accident. 

Uninsured motorist coverageUninsured motorist coverage on your insurance policy will cover for your car repairs and your injuries from an accident in the event where the other driver is responsible but he or she does not have an active insurance policy in place.

Most popular cars in Kirkland, WA

These are some of the most common cars that we insure in Kirkland, WA through our agency:

  • Honda Accord
  • Toyota Camry
  • Subaru Outback
  • Ford F-150
  • Audi Q5
  • Porsche Cayenne
  • Toyota 4Runner
  • Mercedes GLE
  • Tesla Model S
  • BMW X5
Happy driver with reliable auto insurance AYAO Insurance, your dependable local agents in Kirkland, WA.

Average auto insurance rate in Washington including Kirkland

According to the Insurance Information Institute, there are more than 4.8 million private passenger cars that are insured in Washington in 2015.

Average cost for auto insurance for 2017 in Washington:

Coverage Rate
Liability $666.72
Collision $297.16
Comprehensive $113.77
Total cost per year $994.03
Average cost per 6 month $497.02

Source: Facts + Statistics: Auto insurance

Helpful auto insurance articles

Useful links to local resources

New to Kirkland? See below for a list of links to useful resources in Kirkland, WA.
Local business directory for Kirkland, WA

Business Directory
Kirkland Chamber of Commerce
440 Central Way
Kirkland, WA 98033
(425) 822-7066

Shop Local Kirkland
City of Kirkland
123 Fifth Avenue
Kirkland, Washington 98033
(425) 587-3000

Local news specifically for Kirkland residents

Kirkland Reporter

Patch Media - Kirkland

Seattle Times - Kirkland

Vehicle licensing

Eastside Auto Licensing
12006 NE 85th St
Kirkland, WA 98033
(425) 828-4371

Off-leash dog parks in Kirkland
Jasper's Dog Park
11225 NE 120th St
Kirkland, WA 98034
Edith Moulton Off Leash Area
13634 108th Ave NE
Kirkland, WA 98034
AYAO Insurance - Team AYAO - Kirkland, WA

AYAO Insurance - Team AYAO
12700 NE 124th St #9
Kirkland, WA 98034
(425) 822-1212
[email protected]

AYAO Insurance LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. AYAO Insurance LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.