Adairsville, GA Car Insurance

Residents of Adairsville pay, on average, about $78 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Adairsville stack up to the rest of the area, or even Georgia as a whole? What rates can residents of Adairsville expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Adairsville?

Area Average Monthly Car Insurance Premium
Adairsville$78
GA$106
United States$81

The cost of coverage in Adairsville is about $28 a month cheaper than it is for the rest of Georgia.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Adairsville is rather affordable. It's around $3 less to insure your vehicle compared to the average rate for the United States as a whole.

Bear in mind that while these are the average car insurance rates for Adairsville, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down the average rate for Adairsville residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$131
25-34$83
35-44$70
45-54Not Enough Data
55-64$63
65+$73

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $58 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Adairsville.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$79

In general, women pay slightly less for car insurance than men. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Adairsville is only about $2 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$150
1 Ticket$89
Multiple Tickets$117

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Adairsville, a driving record with one accident will usually get you a rate around $92 a month. Similarly, drivers with one ticket will typically pay around $89 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$94
4-5 Years$86
6-7 Years$87
8-10 Years$81
11-14 Years$77
15 Years or Older$76

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 Adairsville, with drivers paying around $68 per month for insurance coverage.

SUV drivers will see rates of about $81 for auto insurance coverage, while car owners typically pay around $79 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Adairsville are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$62
Divorced$66
Widowed$125

Generally, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Adairsville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$73
Rent$82
Live with parents$74

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Adairsville. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Adairsville, GA

Recent trends in car insurance for Adairsville drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Car insurance rates in Adairsville rose from 2017-2018, when they hit a high of $98. This pattern leveled out in 2019, when they began to decrease, and have continued on that path through the present, where insurance rates finished at $62 per month.

How does Adairsville compare to neighboring areas?

Why are car insurance rates in Adairsville different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Availability of off-street parking
  • Rate of car accidents
  • Prevalence of crime
  • Total amount of drivers in the area
  • Area laws

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. 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 Adairsville?

Arming 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.

But hold on! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering policies in Adairsville.

Compare the cheapest quotes from dozens of insurance companies

Adairsville Insurance FAQs

What factors affect car insurance quotes in Adairsville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Adairsville 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, parking situations, 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 Adairsville?

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 Adairsville?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Adairsville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes