Table of contents
How much is car insurance in Americus?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $35 a month cheaper to insure your vehicle in Americus than it is in the rest of Georgia.
Likewise, car insurance rates in Americus are more affordable than the national average. The average monthly payment for the United States as a whole is about $11 more expensive than in Americus.
Keep in mind that these are the average auto insurance rates for Americus, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining 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 your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Americus so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Americus drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Americus, where female drivers pay around $70 per month while male drivers pay about $66.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Americus, drivers with one accident on their record will experience rates around $96 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $179.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$68|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Americus, with drivers paying around $55 per month for auto insurance coverage.
Car owners will see a monthly rate of about $69, while SUV owners by and large pay around $73 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Americus, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Americus is about $21 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor taken into consideration is your living accommodations. Whether rent your home or own property in Americus, you can expect to pay around $68 per month.
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 Americus, GA
Recent trends in car insurance for Americus 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.
In Americus, the rates for auto insurance had been increasing from 2016-2017, when they hit a high of $77, but started to turn downward from 2018-2019. They finished down in 2021, at $54.
How does Americus compare to neighboring areas?
Why are car insurance rates in Americus different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Rate of crime
- Off-street parking availability
- Road Safety (frequency of car accidents)
- Area regulations
- Total drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Americus?
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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Americus.
Americus Insurance FAQs
What factors affect car insurance quotes in Americus?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Americus 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 Americus?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Americus?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
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 Americus 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?