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How much is car insurance in Kernersville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of North Carolina are about $4 a month cheaper than the rates drivers pay in Kernersville.
When stacked up against the national average, the average monthly policy payment for Kernersville is more affordable. You can expect to pay about $22 below the national average for auto insurance in Kernersville.
While these numbers represent the average monthly payments for coverage in Kernersville, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Kernersville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
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 Kernersville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Kernersville, the difference comes out to about $23 a month. As you can see in the table above, male drivers in the area typically pay $64 on average, while female drivers typically pay $41 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Kernersville with one accident will pay around $35 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$67|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Kernersville, with drivers paying around $36 per month for auto insurance coverage.
SUV owners will see rates of about $36, while truck and van owners typically pay around $65 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Kernersville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Kernersville.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $22 a month more than those who own their own home in Kernersville. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Kernersville, NC
Recent trends in car insurance for Kernersville 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.
Auto insurance rates in Kernersville went up from 2016-2017, when they reached a high of $84, but began to decrease from 2018-2019. They finished down in 2021, at $39 a month.
How does Kernersville compare to neighboring areas?
Why are car insurance rates in Kernersville different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Total number of drivers
- Prevalence of crime
- Amount of off-street parking
- Regional regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Kernersville?
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.
Luckily, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Kernersville.
Kernersville Insurance FAQs
What factors affect car insurance quotes in Kernersville?
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 Kernersville 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, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Kernersville?
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 Kernersville?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Kernersville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.