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How much is car insurance in Kingsport?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Kingsport are about $8 a month cheaper than in the rest of Tennessee.
Compared to the national average cost of auto insurance coverage, Kingsport has lower rates. It's about $36 cheaper to insure your vehicle in Kingsport compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Kingsport, you could end up paying something different. 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.
But don't worry, we've broken down average rates for Kingsport residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up in Kingsport.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Kingsport, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Kingsport, a driving record with one accident will usually get you a rate around $53 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $52.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$42|
In terms of affordable coverage, the cheapest vehicles to insure in Kingsport are usually trucks and vans, at $38 per month.
Car owners can expect to pay an average of around $44 a month for their policy, while SUVs usually cost around $47 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. 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 Kingsport, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Overall, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Kingsport can be as much as $4 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Kingsport. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Kingsport, TN
Recent trends in car insurance for Kingsport drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Kingsport, the rates for car insurance had been decreasing from 2016-2018, when they reached a low of $34. This shifted in 2019, when car insurance rates began to increase. They hit a high of $50 in 2020, and finished at $35 in 2021.
How does Kingsport compare to neighboring areas?
Why are car insurance rates in Kingsport different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking accessibility
- Number of drivers in the area
- Prevalence of crime
- Community laws
- Rate of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Kingsport?
While knowing 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.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Kingsport.
Kingsport Insurance FAQs
What factors affect car insurance quotes in Kingsport?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Kingsport different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Kingsport?
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 Kingsport?
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, 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 Kingsport 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.