Alpharetta, GA Car Insurance

The average monthly cost for car insurance in Alpharetta is about $106. We cover plan rates, policies and more in our guide below.
What can Alpharetta residents expect to pay for their car insurance? How does Alpharetta stack up to the rest of the area, or even Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Alpharetta?

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

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

The expected monthly payments for an auto insurance policy in Alpharetta are above the national average. Coverage in Alpharetta is about $25 more expensive than it is for the rest of the U.S.

Although these are the average car insurance rates in Alpharetta, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 payment amount.

Don't sweat it however, we've broken down average rates for Alpharetta 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 think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$286
18-24$157
25-34$103
35-44$96
45-54Not Enough Data
55-64$75
65+$93

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, 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 $64 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Alpharetta drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$102

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Alpharetta is about $6 per month. Based on the chart above, you can see that male drivers pay $108 on average, while female drivers typically pay $102 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$134
Multiple Accidents$189
1 Ticket$124
Multiple Tickets$153

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Alpharetta, drivers with one accident on their record will experience rates around $134 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $124.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$126
2-3 Years$112
4-5 Years$101
6-7 Years$105
8-10 Years$101
11-14 Years$106
15 Years or Older$103

According to the first table above, the cheapest vehicles to insure in Alpharetta are typically SUVs, at $103 per month.

Truck and van drivers will see rates of about $112, while the rates for car owners average out to about $106 a month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Alpharetta are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$115
Married$89
Divorced$83
Widowed$97

Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Alpharetta is about $26 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$91
Rent$111
Live with parents$135

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Alpharetta, expect to pay around $20 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Alpharetta, GA

Recent trends in car insurance for Alpharetta 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 cost of car insurance in Alpharetta increased consistently from 2017-2021. It finished down in 2022, at $89.

How does Alpharetta compare to neighboring areas?

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

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Frequency of car accidents
  • Off-street parking accessibility
  • Crime
  • Total number of drivers in the area
  • Local 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. 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 Alpharetta?

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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Alpharetta.

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Alpharetta Insurance FAQs

What factors affect car insurance quotes in Alpharetta?

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 Alpharetta different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 Alpharetta?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Alpharetta 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.

Find your best rate in just a few minutes