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How much is car insurance in Kent?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Kent as it does in the rest of Ohio.
Similarly, car insurance rates in Kent are more affordable than the national average. You can expect to pay about $26 less for your policy in Kent than in the rest of U.S.
Although these are the average rates for auto insurance in Kent, 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. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Kent and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $29 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Kent drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Kent, the difference is around $13 a month. As you can see in the chart above, car insurance for women in the area typically costs around $48 each month, while men pay $61 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Kent, a driving record with one accident will usually get you a rate around $66 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $56.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$40|
|15 Years or Older||$47|
In Kent, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $44 per month for insurance coverage.
SUV drivers will see rates of about $53 for insurance coverage, while car owners typically pay around $59 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Kent are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Kent is no exception, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $7 a month more than drivers who own property in Kent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Kent, OH
Recent trends in car insurance for Kent 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 deciding when and where to shop.
The rates for auto insurance in Kent increased from 2017-2018, when they reached a high of $65, but began to decrease from 2019-2020. They finished down in 2022, at $32 a month.
How does Kent compare to neighboring areas?
Why are car insurance rates in Kent different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Access to off-street parking
- Road safety
- Total drivers
- Local regulations
- Crime levels
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Kent?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Kent.
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Kent Insurance FAQs
What factors affect car insurance quotes in Kent?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Kent 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 Kent?
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 Kent?
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. 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 Kent 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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