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How much is car insurance in Alpharetta?
|Area||Average Monthly Car Insurance Premium|
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. The cost of auto coverage in Alpharetta is about $25 more expensive than the national average.
Although these are the average rates for auto insurance in Alpharetta, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down the average rates for Alpharetta to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Alpharetta Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are the more experienced you are behind the wheel, 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 $65 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Alpharetta drivers may see their rates start to rise again once they hit retirement.
Alpharetta Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Alpharetta, where women pay around $6 less per month than men. As illustrated in the table above, female drivers in the area pay about $102 on average, while male drivers pay around $108 each month.
Alpharetta Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Alpharetta, drivers with one accident on their record will experience rates around $133 a month. In addition, drivers with a single ticket on their record can expect to pay around $124 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Alpharetta Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$125|
|15 Years or Older||$103|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Alpharetta, with drivers paying around $102 per month for insurance coverage.
Truck and van drivers will see rates of about $111 to insure their vehicle, while car owners by and large pay around $106 a month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Alpharetta, the most expensive vehicles to insure are vehicles less than one year old.
Alpharetta Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
On average, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Alpharetta is no exception, with the difference totaling to around $26 a month.
Alpharetta Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Your housing situation is another factor that affects your monthly rate. Drivers who own property in Alpharetta can expect to pay around $19 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Alpharetta, GA
Recent trends in car insurance for Alpharetta drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance in Alpharetta increased steadily from 2017-2021. It finished down in 2022, at $91.
How does Alpharetta compare to neighboring areas?
Why are car insurance rates in Alpharetta different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Rate of car accidents
- Total number of drivers in the region
- Off-street parking availability
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Alpharetta.
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Alpharetta Auto Insurance FAQs
What factors affect car insurance quotes in Alpharetta?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Alpharetta different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Alpharetta?
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 Alpharetta?
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 Alpharetta 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?
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