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How much is car insurance in Kingwood?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $15 a month more expensive to insure your vehicle in Kingwood than it is in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Kingwood has lower rates. You can expect to pay about $0 less for your policy in Kingwood than in the rest of United States.
Bear in mind that while these are the average car insurance rates for Kingwood, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.
We've analyzed the average rate for Kingwood and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Kingwood Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Kingwood.
Kingwood Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Kingwood is about $11 per month. As you can see in the table above, female drivers in the area typically pay $75 on average, while female drivers typically pay $86 each month.
Kingwood Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Kingwood with a single accident will pay around $91 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $87 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Kingwood Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$73|
The most affordable vehicles to insure in Kingwood are typically trucks and vans, which run about $78 per month.
Car owners can expect to pay an average of around $79 a month for their policy, while SUVs usually cost around $87 a month to insure.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Kingwood, the most expensive vehicles to insure are vehicles six-to-seven years old.
Kingwood Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Generally speaking, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Kingwood is no exception, with the difference totaling to around $24 a month.
Kingwood Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Another factor that comes into play is your housing situation. Renters can expect to pay around $5 a month more than homeowners in Kingwood. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Kingwood, TX
Recent trends in car insurance for Kingwood 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 rates for car insurance in Kingwood declined from 2017-2018, but began to rise in 2019. This pattern has continued through 2022 when rates have most recently hit $104 a month.
How does Kingwood compare to neighboring areas?
Why are car insurance rates in Kingwood different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Rate of crime
- Off-street parking availability
- Rate of car accidents
- Amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Kingwood.
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Kingwood Auto Insurance FAQs
What factors affect car insurance quotes in Kingwood?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Kingwood different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Kingwood?
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 Kingwood?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.
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