Kemp, TX Car Insurance

On average, Kemp drivers pay a monthly average rate of around $50 for their car insurance. To learn more about what you're likely to pay in the Kemp area, read our guide below.
What can Kemp residents expect to pay for their car insurance? How does Kemp compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Kemp?

Area Average Monthly Car Insurance Premium
Kemp$50
TX$65
United States$81

The cost of coverage in Kemp is about $15 a month cheaper than it is for the rest of Texas.

Likewise, car insurance rates in Kemp are often favorable when viewed against the rest of the country. It's about $31 cheaper to insure your vehicle in Kemp compared to the average rate for the United States as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Kemp and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, 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$93
25-34$48
35-44$51
45-54Not Enough Data
55-64$39
65+$45

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Kemp.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$49

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in Kemp is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$65
1 Ticket$65
Multiple Tickets$76

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Kemp, drivers with one accident on their record will experience rates around $65 a month. Similarly, drivers with one ticket will typically pay around $65 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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$37
2-3 Years$42
4-5 Years$52
6-7 Years$53
8-10 Years$49
11-14 Years$54
15 Years or Older$48

In Kemp, the cheapest vehicles to insure are typically SUVs, with drivers paying around $46 per month to insure their vehicle.

Truck and van drivers will see rates of about $54, while the rates for SUV owners average out to about $46 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. 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$45
Divorced$44
Widowed$50

On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

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 $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$52
Live with parents$103

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home 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 average premiums.

Car Insurance Companies in Kemp, TX

Recent trends in car insurance for Kemp drivers

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

In Kemp, auto insurance rates increased from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $36 per month

How does Kemp compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Amount of drivers in the region
  • Road Safety (frequency of car accidents)
  • Regional regulations
  • Prevalence of crime
  • Availability of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Kemp?

Arming 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 does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Kemp.

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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 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 Kemp different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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?

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 Kemp 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