Austell, GA Car Insurance

The average cost for car insurance in Austell is about $115 a month. Check out our guide below to find out how much you'll pay.
What rates can residents of Austell expect to pay for their car insurance? How does Austell compare to the surrounding area and the rest of Georgia? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Austell?

Area Average Monthly Car Insurance Premium
Austell$115
GA$103
United States$80

As you can see, car insurance policies across the rest of Georgia are about $12 a month cheaper than the rates drivers pay in Austell.

Drivers relocating the Austell should take note of the differences in average rates. The average monthly payment in Austell is about $35 more expensive than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Austell, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down average rates for Austell residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$185
25-34$127
35-44$101
45-54$91
55-64$88
65+$97

It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up a bit in Austell.

Average Car Insurance Rates by Gender

Gender Average
Male$116
Female$115

In general, female drivers pay less for car insurance than their male counterparts. The price to insure your car in Austell, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$222
1 Ticket$148
Multiple Tickets$228

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Austell with a single accident will pay around $148 a month. Similarly, drivers with one ticket will typically pay around $133 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$122
2-3 Years$119
4-5 Years$128
6-7 Years$135
8-10 Years$111
11-14 Years$120
15 Years or Older$107

The most affordable vehicles to insure in Austell are usually trucks and vans, which run about $98 per month.

SUV drivers will see rates of about $111, while the rates for car owners average out to about $118 a month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Austell, for example, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$123
Married$96
Divorced$95
Widowed$91

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Austell follows that pattern, with the difference totaling to around $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$103
Rent$120
Live with parents$129

One other element taken into consideration is your housing status. Those who own their own home in Austell can expect to pay around $17 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Austell, GA

Recent trends in car insurance for Austell drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

The rates for car insurance in Austell went up steadily from 2016-2020. Policy premiums finished down in 2021, at $125.

How does Austell compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total amount of drivers in the community
  • Road Safety (frequency of local car accidents)
  • Local laws
  • Amount of off-street parking
  • Local crime rates

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Austell?

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.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Austell.

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Austell Insurance FAQs

What factors affect car insurance quotes in Austell?

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

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

Things like parking situations, local laws, 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 Austell?

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 Austell?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Austell or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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