Table of contents
How much is car insurance in Kingston?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New York, coverage in Kingston is about $110 a month cheaper.
Conversely, Kingston residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Kingston is about $8 more expensive than the average rate for the rest of the U.S.
These rates may be the average amount Kingston drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down average rates for Kingston to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $84 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may start to rise again in Kingston.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Kingston, where male drivers pay about $15 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $81 each month, while men pay $96 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Kingston, drivers with one accident on their record will experience rates around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $123.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$76|
The most affordable vehicles to insure in Kingston are typically SUVs, which run about $83 per month.
Truck and van drivers will see rates of about $101 for car insurance coverage, while car owners by and large pay around $87 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Kingston, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
On average, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Kingston can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
One other element taken into consideration is your housing status. Renters can expect to pay around $21 a month more than homeowners in Kingston. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Kingston, NY
Recent trends in car insurance for Kingston drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Kingston dropped from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $56.
How does Kingston compare to neighboring areas?
Why are car insurance rates in Kingston different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the area
- Local crime rates
- Road Safety (frequency of local car accidents)
- Regional laws
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Kingston?
While knowing 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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Kingston.
Kingston Insurance FAQs
What factors affect car insurance quotes in Kingston?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Kingston different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Kingston?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Kingston?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Kingston or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?