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Finding the cheapest car insurance quotes in Kingwood shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Kingwood
The car insurance rate in Kingwood is $1183 for a six-month policy, which is $136 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $751, making it a popular choice for budget-conscious drivers. Rates in Kingwood can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $751 for a six
month policy, Texas Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $893 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $920
for six months, making it
the third cheapest auto insurance company in Kingwood.
Kingwood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kingwood, TX is Texas Farm Bureau, offering policies at just $751 for a six-month term. This is followed by Mercury, which has an average six-month premium of $893.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kingwood drivers find the best deals.
Way's key takeaways about car insurance in Kingwood
The auto insurance costs in Kingwood fall around $751 for six
months.
The cheapest auto insurance company in Kingwood is Texas Farm Bureau.
Teen drivers pay the highest rate in Kingwood at $82 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Kingwood
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Kingwood are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Kingwood. Their Average 6 Month Premium is $288.
Germania is the most
expensive at $484 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Kingwood is Texas Farm Bureau
at $127 per month and $751
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kingwood,
TX
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Instantly!
Average Car Insurance in Kingwood by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Kingwood, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kingwood, Texas, may be increasing due to several external factors.
Texas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Kingwood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kingwood
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
Texas Farm Bureau
$790
40s
Nationwide
$784
50s
Texas Farm Bureau
$699
60s
Texas Farm Bureau
$646
70s
Texas Farm Bureau
$694
Cheapest Car Insurance Rates for Teen Drivers in
Kingwood,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Kingwood at $63
per
month. At $497 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Kingwood.
As young drivers face the highest rates in Kingwood, Texas Farm Bureau
offers the cheapest auto insurance rates at $790 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Kingwood,
Mercury is
the cheapest car insurance provider. At $584 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Kingwood is State Farm, offering
rates of around $5068 for six
months.
Save up to $971/yr on car insurance rates in Kingwood.
Car Insurance Rates with An Accident in Kingwood
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Kingwood, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kingwood
The cheapest car insurance companies after an at-fault accident in
Kingwood include Redpoint Insurance
and Southern County Mutual, offering $383
and $463,
respectively. National General is an expensive provider
with an average six-month premium of
$651.
Here is a list of driving violations that can increase your car
insurance rates in Kingwood TX. For example, the car
insurance in Kingwood
after a DUI increases to $886 for a six
month policy. While the rate increases by $208 for a six-month policy in the case of
a speeding ticket.
Kingwood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1450
$242
One Med/PIP claim
$1463
$249
One comp claim
$1537
$257
Not-at-fault accident
$1550
$263
Two Med/PIP claims
$1557
$260
Failure to show documents
$1611
$273
Driving with expired registration
$1624
$271
Two comp claims
$1637
$278
Cell phone violation
$1651
$276
Driving without lights
$1651
$280
Texting while driving
$1651
$276
Driving too slowly
$1658
$281
Speeding 11 - 15 MPH over limit
$1658
$277
Speeding 16 - 20 MPH over limit
$1658
$281
Speeding 6 - 10 MPH over limit
$1658
$277
Speeding in school zone
$1658
$281
Child safety restraint
$1664
$278
Failure to wear a seat belt
$1664
$283
In 65 MPH zone
$1671
$279
Failure to stop at a red light
$1678
$286
Failure to yield
$1678
$280
Following too closely
$1678
$286
Illegal turn
$1678
$280
Improper passing
$1678
$286
Speeding 21 - 25 MPH over limit
$1678
$280
Passing school bus
$1685
$287
Wrong way/wrong lane
$1685
$280
Operating a vehicle without permission
$1692
$288
At-fault accident - less than $1000
$1758
$293
Open container
$1980
$337
Driving with a suspended license
$2054
$342
Racing
$2175
$370
Reckless driving
$2175
$363
Leaving scene of an accident/hit and run
$2228
$379
At-fault accident - $1000-$2000
$2235
$373
Refusal to submit to a chemical test
$2302
$391
DUI
$2336
$390
At-fault accident - greater than $2000
$2429
$414
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Kingwood after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Kingwood.
The cheapest car insurance premiums in
Kingwood are
offered by Mercury at $577 for a six-month policy.
However, it can be as
expensive as $3497 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Kingwood are offered by State Farm
at $523. However,
it can be as expensive as $3806
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Kingwood after Speeding ticket
Car insurance rates in Kingwood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kingwood remained steady at $234 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Kingwood rose to $72 in December,
compared to $70 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Kingwood by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kingwood. At $1668 for a
six-month policy, insuring
your car at 77345 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Kingwood?
The car insurance in Kingwood is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Kingwood?
The cheapest car insurance in Kingwood
is $127 per month
for full coverage.
How much is car insurance in Kingwood for teenagers?
Car insurance for teenagers costs $383 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Kingwood?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $200 per month to insure your
car in Kingwood.
Is car insurance expensive in Kingwood?
Car insurance can be expensive in Kingwood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kingwood can be
affordable.
What is the best car insurance in Kingwood,
TX?
The best car insurance company in Kingwood
TX is
Texas Farm Bureau, offering $751 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Kingwood, TX
Car Insurance Rates by State in the USA (2025 Update)
Kingwood Car Insurance
