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How much is car insurance in Kingman?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Kingman is about $25 cheaper than it is in the rest of Arizona.
When stacked up against the national average, the average monthly policy payment for Kingman is more affordable. The average monthly payment for the United States as a whole is about $44 more expensive than in Kingman.
While these numbers are the average rates for auto insurance in Kingman, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Kingman residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates rise again once you hit retirement age in Kingman.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Kingman, where women pay around $4 less per month. As illustrated in the table above, female drivers in the area pay about $35 on average, while male drivers pay around $39 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Kingman with one accident will pay around $48 a month. In addition, drivers with a single ticket on their record can expect to pay around $45 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$37|
In Kingman, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $33 per month for insurance coverage.
Truck and van drivers will see rates of about $37, while the rates for car owners average out to about $38 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Kingman, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$40|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Kingman, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Kingman. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Kingman, AZ
Recent trends in car insurance for Kingman drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Auto insurance rates in Kingman reached a low of $32 in 2019 and a high of $39 in 2020. Otherwise, drivers paid about the same rate from 2016 to 2021.
How does Kingman compare to neighboring areas?
Why are car insurance rates in Kingman different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers in the community
- Off-street parking accessibility
- Road Safety (frequency of car accidents)
- Area crime rates
- Regional regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Kingman?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Kingman.
Kingman Insurance FAQs
What factors affect car insurance quotes in Kingman?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Kingman different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Kingman?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Kingman?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Kingman or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.