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How much is car insurance in Kingwood?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $14 a month cheaper than the rates drivers pay in Kingwood.
That being said, when compared to the national average, the cost for auto insurance in Kingwood is lower. It's about $2 cheaper than the national average to insure your vehicle in Kingwood.
While these are the average monthly costs for auto insurance coverage in 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Kingwood residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up in Kingwood.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Kingwood is about $12 a month. As you can see in the chart above, car insurance for women in the area typically costs around $73 each month, while men pay $85 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Kingwood, a driving record with one accident will usually get you a rate around $91 a month. Likewise, drivers with one ticket will be looking at a rate of around $87 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$73|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Kingwood, with drivers paying around $78 per month for auto insurance coverage.
SUV drivers will see rates of about $80 for insurance coverage, while car owners typically pay around $79 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Kingwood are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Generally speaking, married policyholders 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.
The difference in rates based on relationship status in Kingwood can be as much as $27 a month, so it's worth keeping that in mind.
Average 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. Drivers who own property in Kingwood can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 car insurance premiums.
Car Insurance Companies in Kingwood, TX
Recent trends in car insurance for Kingwood drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Kingwood, auto insurance rates went up from 2017-2018, when they reached a low of $67. This changed in 2019, when policy premiums began to increase. They hit a high of $94 in 2021, and finished down in 2022, at $89 a month.
How does Kingwood compare to neighboring areas?
Why are car insurance rates in Kingwood different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Frequency of car accidents
- Amount of off-street parking
- Crime levels
- Total amount of drivers in the area
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 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 has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Kingwood in no time.
Kingwood Insurance FAQs
What factors affect car insurance quotes in Kingwood?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Kingwood different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Kingwood?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Kingwood or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.