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How much is car insurance in Kannapolis?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Kannapolis are on par with what you would pay anywhere else in North Carolina.
That being said, the expected monthly payments for an auto insurance policy in Kannapolis are below the national average. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for Kannapolis, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Kannapolis so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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 more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $31 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Kannapolis may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Kannapolis is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Kannapolis with a single accident on their record will usually see rates around $47 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$56|
In Kannapolis, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $47 per month for insurance coverage.
SUV drivers will see rates of about $49, while the rates for car owners average out to about $59 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Kannapolis, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Kannapolis is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $2 less than homeowners in Kannapolis. 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 costs, depending on your insurance company.
Car Insurance Companies in Kannapolis, NC
Recent trends in car insurance for Kannapolis drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of car insurance coverage in Kannapolis went up from 2016-2017, before steadying out in 2018. They had been increasing again, hitting a high of $66 in 2020, and finished down at $59 in 2021.
How does Kannapolis compare to neighboring areas?
Why are car insurance rates in Kannapolis different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local laws
- Crime levels
- Amount of off-street parking
- Total number of drivers
- Number of car accidents
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Kannapolis?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Kannapolis.
Kannapolis Insurance FAQs
What factors affect car insurance quotes in Kannapolis?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Kannapolis different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Kannapolis?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Kannapolis?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Kannapolis or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.