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How much is car insurance in Kernersville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Kernersville are about the same as what you would pay anywhere else in North Carolina.
Conversely, car insurance rates in Kernersville are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $25 more expensive than the rates you'd pay in Kernersville.
Bear in mind that while these rates represent the expected monthly payments for Kernersville residents, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Kernersville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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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 longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Kernersville drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Kernersville is around $17 a month. As you can see in the chart above, car insurance for women in the area typically costs around $44 each month, while men pay $61 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Kernersville, a driving record with a single accident will usually get you a rate around $35 a month. Likewise, drivers with one ticket will be looking at a rate of around $46 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$61|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Kernersville, with drivers paying around $40 per month to insure their vehicle.
Car owners, on the other hand, by and large pay around $58 per month, while truck and van drivers can expect to pay about $54 a month for car insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Kernersville, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less than single drivers, in Kernersville both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $19 a month more than drivers who own property 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 overall costs, 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 shopping for coverage.
In Kernersville, the rates for car insurance had been increasing from 2016-2017, when they reached a high of $84. This leveled out in 2018, when they began to decrease again. They finished down in 2021, at $41 per month
How does Kernersville compare to neighboring areas?
Why are car insurance rates in Kernersville different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Regional crime rates
- Road Safety (total number of local car accidents)
- Total amount of drivers in the area
- Availability of off-street parking
- Local regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Kernersville?
Equipping 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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Kernersville.
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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 you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Kernersville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
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. 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 Kernersville 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?
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