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How much is car insurance in Kilgore?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Kilgore is about $5 a month cheaper.
Compared to the national average cost of auto insurance coverage, Kilgore has lower rates. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Kilgore.
While these are the average costs to insure your vehicle in Kilgore, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 sweat it however, we've broken down average rates for Kilgore residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may climb back up a bit in Kilgore.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Kilgore, 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 key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Kilgore with one accident will pay around $102 a month. Similarly, drivers with one ticket will typically pay around $67 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$50|
In Kilgore, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $56 per month for auto insurance coverage.
Car owners will see a monthly bill of about $62, while SUV owners by and large pay around $63 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Kilgore, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, people who are married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Kilgore is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Kilgore, expect to pay around $15 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Kilgore, TX
Recent trends in car insurance for Kilgore drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of car insurance in Kilgore declined from 2017-2019, when it hit a low of $45, but started to rise from 2020-2021. It finished down in 2022, at $46.
How does Kilgore compare to neighboring areas?
Why are car insurance rates in Kilgore different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Crime levels
- Amount of drivers in the community
- Regional laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Kilgore?
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 does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Kilgore.
Kilgore Insurance FAQs
What factors affect car insurance quotes in Kilgore?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Kilgore different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Kilgore?
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 Kilgore?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Kilgore 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?