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How much is car insurance in Kingsland?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $25 a month cheaper to insure your vehicle in Kingsland than it is in the rest of Georgia.
Likewise, when compared to the national average, the cost for auto insurance in Kingsland is lower. Auto insurance coverage in Kingsland is about $0 cheaper than it is for the rest of the United States.
These rates may be the average amount residents of Kingsland pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down the average rates for Kingsland to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates climb back up a bit once you hit retirement age in Kingsland.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Kingsland is around $36 per month. As illustrated in the table above, female drivers in the area pay about $69 on average, while male drivers pay around $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Kingsland with a single accident on their record will usually see rates around $117 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $104 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|15 Years or Older||$75|
The most affordable vehicles to insure in Kingsland are typically SUVs, which run about $71 per month.
Truck and van drivers will see rates of about $74, while the rates for car owners average out to about $86 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Kingsland, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$88|
More often than not, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Kingsland, the difference in rates based on relationship status can be as much as $31 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Your living situation is another factor that affects your monthly rate. Drivers who own property in Kingsland can expect to pay around $18 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Kingsland, GA
Recent trends in car insurance for Kingsland drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Kingsland, car insurance rates have been fairly constant from 2017 to 2022. Drivers paid a a low of $80 in 2018 and a high of $94 in 2021.
How does Kingsland compare to neighboring areas?
Why are car insurance rates in Kingsland different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Community regulations
- Road Safety (frequency of car accidents)
- Prevalence of crime
- Total drivers
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Kingsland?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in Kingsland.
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Kingsland Insurance FAQs
What factors affect car insurance quotes in Kingsland?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Kingsland different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Kingsland?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Kingsland?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Kingsland or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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