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How much is car insurance in Junction City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Junction City are in line with rates across the rest of Kansas.
When stacked up against the national average, the average monthly policy payment for Junction City is more affordable. The average monthly payment for the United States as a whole is about $21 more expensive than in Junction City.
While these are the average car insurance rates for Junction City, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down average rates for Junction City residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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 rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $61 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Junction City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Junction City, the difference is around $8 per month. As you can see in the chart above, car insurance for women in the area typically costs around $56 each month, while men pay $64 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Junction City, having a single accident on your record will usually get you rates around $55 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$62|
In terms of affordable coverage, the cheapest vehicles to insure in Junction City are by and large SUVs, at $40 per month.
Truck and van drivers will see rates of about $91 for car insurance, while car owners typically pay around $56 a month.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Junction City, 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)||$62|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Junction City, with married couples paying about $22 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$43|
Another factor taken into consideration is your living accommodations. Drivers who own property in Junction City can expect to pay around $16 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Junction City, KS
Recent trends in car insurance for Junction City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of insurance in Junction City rose from 2016-2017, where it hit a high of $78, before steadying out in 2018. Car insurance rates have risen again in recent years, finishing at $67 per month in 2021.
How does Junction City compare to neighboring areas?
Why are car insurance rates in Junction City different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local regulations
- Road Safety (total number of local car accidents)
- Off-street parking availability
- Number of drivers in the region
- Local crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Junction City?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Junction City.
Junction City Insurance FAQs
What factors affect car insurance quotes in Junction City?
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 Junction City different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Junction City?
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 Junction City?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Junction City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?