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How much is car insurance in Kingwood?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Kingwood is about $13 a month more expensive than the rest of Texas.
Compared to the national average cost of auto insurance coverage, Kingwood has lower rates. It's around $3 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Kingwood, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
We've analyzed the average rate for Kingwood and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may climb back up a bit in Kingwood.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Kingwood, the difference is around $11 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $83 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Kingwood, a driving record with a single accident will usually get you a rate around $91 a month. Likewise, drivers with one ticket will be looking at a rate of around $101 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$71|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Kingwood, with drivers paying around $67 per month for insurance coverage.
SUV drivers will see rates of about $80 for insurance coverage, while car owners typically pay around $79 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 about 5 years old however, your rates may start to dip back down a bit. In Kingwood, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$88|
On average, married policyholders will pay slightly less to insure their vehicle. 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. Kingwood follows that pattern, with the difference totaling to around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Kingwood can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Kingwood, TX
Recent trends in car insurance for Kingwood drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Kingwood, the rates for auto insurance have been steadily increasing, reaching a high of $87 in 2021.
How does Kingwood compare to neighboring areas?
Why are car insurance rates in Kingwood different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers
- Off-street parking availability
- Local regulations
- Frequency of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Kingwood?
Equipping 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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Kingwood.
Kingwood Insurance FAQs
What factors affect car insurance quotes in Kingwood?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Kingwood 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 Kingwood?
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 Kingwood?
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 Kingwood 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.