Kings Mountain, NC Car Insurance

On average, Kings Mountain drivers pay around $49 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Kings Mountain expect to pay for their car insurance? Compared to their surrounding area, how do rates in Kings Mountain stack up? What about against the rest of North Carolina? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Kings Mountain?

Area Average Monthly Car Insurance Premium
Kings Mountain$49
NC$54
United States$80

Auto insurance coverage in Kings Mountain is about $5 cheaper than it is in the rest of North Carolina.

Compared to the national average cost of auto insurance coverage, Kings Mountain has lower rates. Auto insurance coverage in Kings Mountain is about $31 cheaper than it is for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Kings Mountain, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down average rates for Kings Mountain to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$57
25-34$49
35-44$42
45-54Not Enough Data
55-64$37
65+Not Enough Data

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Kings Mountain.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$48

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Kings Mountain is about $4 per month. As you can see in the table above, male drivers in the area typically pay $52 on average, while female drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$114
1 Ticket$96
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Kings Mountain, having a single accident on your record will usually get you rates around $55 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $96.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 YearsNot Enough Data
4-5 Years$43
6-7 Years$41
8-10 Years$56
11-14 Years$52
15 Years or Older$49

As you can see in the first table above, the cheapest vehicles to insure in Kings Mountain are by and large trucks and vans, which run about $38 per month.

Car owners will see a monthly rate of about $54, while SUV owners usually pay around $42 a month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Kings Mountain, the most expensive vehicles to insure are vehicles eight-to-ten years old and less than or equal to one-year-old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$55
Divorced$38

Generally, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Kings Mountain can be as much as $5 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$50
Live with parents$43

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Kings Mountain. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Kings Mountain, NC

Recent trends in car insurance for Kings Mountain drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

The cost of insurance in Kings Mountain increased from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $66 per month

How does Kings Mountain compare to neighboring areas?

Why are car insurance rates in Kings Mountain different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Number of drivers in the community
  • Crime levels
  • Off-street parking access
  • Road safety
  • Local laws

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 Kings Mountain?

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.

Good news! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Kings Mountain.

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Kings Mountain Insurance FAQs

What factors affect car insurance quotes in Kings Mountain?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Kings Mountain different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Kings Mountain?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Kings Mountain?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Kings Mountain 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.

Find your best rate in just a few minutes