Junction City, KS Car Insurance

How does Junction City compare to the surrounding area and the rest of Kansas? How much can residents of Junction City expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Junction City?

Looking at the chart above, you can see that the average monthly price is about the same in Junction City as it is in the rest of Kansas.

If you're thinking of moving to Junction City from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $27 more expensive than in Junction City.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Junction City to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Junction City.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your car in Junction City, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Junction City, drivers with one accident on their record will experience rates around $55 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $42.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Junction City are typically SUVs, which run about $43 per month.

Car owners, on the other hand, by and large pay around $54 a month, while truck and van drivers can expect to pay about $80 per month for auto insurance.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Junction City, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

More often than not, 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 many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Junction City is no exception, with the difference totaling to around $21 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. In Junction City, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Junction City, KS

Recent trends in car insurance for Junction City drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Junction City have been mixed as of late, they declined in 2017, increased in 2019, and decreased again in 2021, before finishing at $43 in 2022.

How does Junction City compare to neighboring areas?

Why are car insurance rates in Junction City different from other areas?

Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

• Off-street parking access
• Local crime rates
• Rate of car accidents
• Number of drivers in the region
• Regional laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Junction City?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Junction City in no time.

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Junction City Insurance FAQs

What factors affect car insurance quotes in Junction City?

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 year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Junction City different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Junction City?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Junction City?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Junction City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.