Kings Mountain, NC Car Insurance

On average, Kings Mountain drivers pay a monthly average rate of around $47 for their car insurance. Learn more in our handy guide below.
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Compared to their surrounding area, how do rates in Kings Mountain stack up? What about against the rest of North Carolina? What rates should residents of Kings Mountain expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Kings Mountain?

Area Average Monthly Car Insurance Premium
Kings Mountain$47
NC$53
United States$81

Compared to the rest of the North Carolina, coverage in Kings Mountain is about $6 a month cheaper.

Likewise, car insurance rates in Kings Mountain are often favorable when viewed against the rest of the country. Auto insurance coverage in Kings Mountain is about $34 cheaper than it is for the rest of the United States.

While these are the average car insurance rates for Kings Mountain, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

Don't worry, we've done the work for you and broken down the average rates for Kings Mountain to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$54
25-34$49
35-44$41
45-54Not Enough Data
55-64$39
65+Not Enough Data

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to go back up in Kings Mountain.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$45

In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Kings Mountain, where women pay around $8 less per month than men. As illustrated in the table above, male drivers in the area pay about $53 on average, while female drivers pay around $45 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$53
Multiple Accidents$106
1 Ticket$70
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Kings Mountain, drivers with one accident on their record will experience rates around $53 a month. In addition, drivers with one ticket can expect to pay around $70 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$49
2-3 YearsNot Enough Data
4-5 Years$71
6-7 Years$41
8-10 Years$52
11-14 Years$51
15 Years or Older$45

In terms of affordable coverage, the cheapest vehicles to insure in Kings Mountain are typically trucks and vans, at $41 per month.

Car owners will see a monthly rate of about $50, while SUV owners by and large pay around $42 per month.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Kings Mountain, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$62
Divorced$38

Generally speaking, married policyholders will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Kings Mountain, the difference in rates based on relationship status can be as much as $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$46
Live with parents$43

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 less than homeowners 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.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Kings Mountain, NC

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.

The rates for auto insurance in Kings Mountain declined from 2017-2018, before steadying out in 2019. They fell again recently, hitting a low of $42 in 2022.

How does Kings Mountain compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Amount of drivers in the community
  • Road Safety (frequency of car accidents)
  • Local crime rates
  • Access to off-street parking
  • Regional regulations

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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.

Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Kings Mountain.


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Kings Mountain Insurance FAQs

What factors affect car insurance quotes in Kings Mountain?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Kings Mountain 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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?

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 Kings Mountain 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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