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How much is car insurance in Kilgore?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Kilgore than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Kilgore are below the national average. The average monthly payment in Kilgore is about $21 less than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for Kilgore drivers, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Kilgore residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Kilgore Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $45 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Kilgore.
Kilgore Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price to insure your car in Kilgore, however, is about the same for either group.
Kilgore 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 less than those with infractions. The rate for drivers in Kilgore with a single accident on their record is about $96 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 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.
Kilgore Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$48|
The most affordable vehicles to insure in Kilgore are usually trucks and vans, which run about $55 per month.
SUV drivers will see rates of about $63 for insurance coverage, while car owners by and large pay around $60 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Kilgore, the most expensive vehicles to insure are vehicles two-to -three years old.
Kilgore Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Kilgore follows that pattern, with the difference totaling to around $18 a month.
Kilgore Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in Kilgore. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Kilgore, TX
Recent trends in car insurance for Kilgore 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.
In Kilgore, auto insurance rates declined from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $44.
How does Kilgore compare to neighboring areas?
Why are car insurance rates in Kilgore different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking access
- Rate of car accidents
- Community regulations
- Regional crime rates
- Number of drivers
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. 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 Kilgore?
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.
But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Kilgore.
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Kilgore Auto Insurance FAQs
What factors affect car insurance quotes in Kilgore?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Kilgore different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Kilgore?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Kilgore?
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, 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 Kilgore 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.
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