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How much is car insurance in Kannapolis?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Kannapolis are about the same as the rest of North Carolina.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Kannapolis is rather affordable. The average monthly payment for the U.S. as a whole is about $26 more expensive than in Kannapolis.
While these numbers are the average rates for auto insurance in Kannapolis, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Kannapolis residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Kannapolis.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Kannapolis men actually pay $53 per month for coverage while women pay $57.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Kannapolis with a single accident will pay around $47 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $46.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$53|
According to the first table above, the cheapest vehicles to insure in Kannapolis are usually trucks and vans, at $46 per month.
SUV drivers will see rates of about $49 to insure their vehicle, while car owners typically pay around $58 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Kannapolis are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Kannapolis, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than homeowners in Kannapolis. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Kannapolis, NC
Recent trends in car insurance for Kannapolis drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Policy premiums in Kannapolis have been mixed recently. They declined in 2017, increased in 2019, and dropped again in 2021, before finishing at $49 in 2022.
How does Kannapolis compare to neighboring areas?
Why are car insurance rates in Kannapolis different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of drivers in the community
- Amount of off-street parking
- Regional laws
- Road Safety (frequency 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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Kannapolis?
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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Kannapolis.
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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 age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Kannapolis different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
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 relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Kannapolis 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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