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How much is car insurance in Americus?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Americus is about $35 a month cheaper.
If you're thinking of moving to Americus from out of state, you may still be in luck. The average monthly payment in Americus is about $10 less than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Americus, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rates for Americus residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Americus Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Americus may see their rates climb back up a bit once they hit retirement.
Americus Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a bit less than female drivers on their monthly premiums, the difference in Americus is only about $2 a month.
Americus Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Americus, a driving record with one accident will usually get you a rate around $111 a month. In addition, drivers with a single ticket on their record can expect to pay around $117 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Americus Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$68|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Americus, with drivers paying around $53 per month for insurance.
SUV drivers will see rates of about $71, while the rates for car owners average out to about $72 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, your rates may start to dip back down a bit. In Americus, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Americus Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, 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 can be as much as $15 a month, so it's worth keeping that in mind.
Americus Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
One other element taken into consideration is your living situation. Renters can expect to pay around $2 a month more than drivers who own property in Americus. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
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 shopping for coverage.
The rates for auto insurance in Americus declined from 2017-2019, when they reached a low of $63. This shifted in 2020, when insurance rates began to increase. They hit a high of $79 in 2021, and finished down in 2022, at $64 a month.
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 coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Total number of drivers
- Crime rates
- Area laws
- Off-street parking accessibility
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Americus?
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.
Good news! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Americus.
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Americus Auto Insurance FAQs
What factors affect car insurance quotes in Americus?
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 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?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Americus?
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 Americus?
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, 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 Americus 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.
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