Kemp, TX Car Insurance

On average, drivers in Kemp pay around $50 per month for their car insurance. To find out more check out our guide below.
Compared to their surrounding area, how do rates in Kemp stack up? What about against the rest of Texas? What should residents of Kemp expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Kemp?

Area Average Monthly Car Insurance Premium
Kemp$50
TX$64
United States$80

According to the chart above, the average cost of auto insurance in Texas is about $14 a month more expensive than it is in Kemp.

Drivers relocating from out of state may enjoy some cost savings in Kemp. The average monthly payment for the U.S. as a whole is about $30 more expensive than in Kemp.

While these are the average car insurance rates for Kemp, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down average rates for Kemp residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$47
35-44$51
45-54$41
55-64$38
65+$44

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $49 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to go back up in Kemp.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$48

Car insurance rates for men are usually slightly more expensive than they are for women. In Kemp, this difference shakes out to about $4 a month. Looking at the table above, you can see that female drivers pay around $48 on average, while male drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$51
1 Ticket$79
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Kemp, a driving record with a single accident will usually get you a rate around $63 a month. In addition, drivers with a single ticket on their record can expect to pay around $79 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$37
2-3 Years$42
4-5 Years$52
6-7 Years$52
8-10 Years$48
11-14 Years$54
15 Years or Older$50

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Kemp, with drivers paying around $46 per month for auto insurance.

Truck and van drivers will see rates of about $51, while the rates for car owners average out to about $52 per month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Kemp, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$46
Divorced$44
Widowed$49

On average, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Kemp is no exception, with the difference totaling to around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$52
Live with parents$103

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $9 a month more than drivers who own property in Kemp. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Kemp, TX

Recent trends in car insurance for Kemp drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in Kemp had been decreasing from 2016-2017, before leveling out in 2018. Rates finished up in 2021, at $61 a month

How does Kemp compare to neighboring areas?

Why are car insurance rates in Kemp different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Number of drivers in the region
  • Rate of car accidents
  • Local crime rates
  • Laws
  • Off-street parking accessibility

Having an awareness of these factors is critical 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 get started.

How can I find the cheapest car insurance in Kemp?

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.

Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Kemp in no time.

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Kemp Insurance FAQs

What factors affect car insurance quotes in Kemp?

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, plus your address, credit score, marital status, and driving record.

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

Things like local laws, parking situations, and crime rates, 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 Kemp?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Kemp?

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, 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 Kemp 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.

Find your best rate in just a few minutes