Americus, GA Car Insurance

The average monthly cost for car insurance in Americus is about $69. To find out more check out our guide below.
How much can residents of Americus expect to pay for their car insurance? Are rates in Americus higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Americus?

Area Average Monthly Car Insurance Premium
Americus$69
GA$106
United States$81

According to the chart above, the average cost of auto insurance in Georgia is about $37 a month more expensive than it is in Americus.

Drivers relocating from out of state may enjoy some cost savings in Americus. You can expect to pay about $12 below the national average for auto insurance 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. The amount that insurance companies end up charging you is determined by a number of factors. 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.

We've broken down the average rates for Americus to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$111
25-34$70
35-44$59
45-54$58
55-64$61
65+$55

It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up in Americus.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$70

On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Americus, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$79
1 Ticket$97
Multiple Tickets$83

Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Americus, drivers with one accident on their record will experience rates around $99 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $97.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$79
4-5 Years$65
6-7 Years$74
8-10 Years$82
11-14 Years$68
15 Years or Older$66

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Americus, with drivers paying around $53 per month to insure their vehicle.

SUV drivers will see rates of about $72 for auto insurance coverage, while car owners usually pay around $71 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. The most expensive vehicles to insure in Americus are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$57
Divorced$58
Widowed$71

More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Americus can be as much as $16 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$69
Rent$70
Live with parents$98

Another factor that comes into play is your housing status. If you rent your home or apartment in Americus, expect to pay around $1 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

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 Americus, GA

Recent trends in car insurance for Americus 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 choosing your car insurance policy.

The rates for auto insurance in Americus dropped from 2017-2019, but leveled out in 2020. They went up until 2021, when they reached a high of $79, and finished down in 2022, at $53 per month.

How does Americus compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Crime levels
  • Local laws
  • Total number of drivers in the region
  • Rate of car accidents
  • Off-street parking access

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. 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?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Americus.

Compare the cheapest quotes from dozens of insurance companies

Americus 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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Americus different from other neighboring cities?

Things like local laws, crime rates, and parking situations, 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 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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Americus or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes