Austell, GA Car Insurance

The average cost for car insurance in Austell is about $118 a month. Check out our guide below to find out how much you'll pay.
How does Austell stack up to the rest of the area, or even Georgia as a whole? What can Austell residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Austell?

Area Average Monthly Car Insurance Premium
Austell$118
GA$106
United States$81

As you can see in the chart above, it is around $12 a month more expensive to insure your vehicle in Austell than it is in the rest of Georgia.

Compared to the national average cost of auto coverage, Austell has higher rates. The average monthly payment in Austell is about $37 more expensive than the rate for the rest of the U.S.

While these are the average costs to insure your vehicle in Austell, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Austell so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$188
25-34$130
35-44$109
45-54$92
55-64$88
65+$97

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Austell.

Average Car Insurance Rates by Gender

Gender Average
Male$122
Female$115

In general, female drivers pay less for car insurance than their male counterparts. The difference in Austell is around $7 a month. Looking at the table above, you can see that female drivers pay around $115 on average, while male drivers typically pay $122 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$150
Multiple Accidents$243
1 Ticket$152
Multiple Tickets$155

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Austell with a single accident on their record is about $150 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $152.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$129
2-3 Years$132
4-5 Years$131
6-7 Years$138
8-10 Years$114
11-14 Years$120
15 Years or Older$111

The cheapest vehicles to insure in Austell are usually trucks and vans, with each type typically costing about $98 per month.

Car owners can expect to pay an average of around $123 a month for their policy, while SUVs usually cost around $114 a month to insure.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Austell, 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)$126
Married$96
Divorced$95
Widowed$91

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Austell is about $30 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$122
Live with parents$127

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $15 a month more than homeowners in Austell. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Austell, GA

Recent trends in car insurance for Austell 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 rates for car insurance in Austell had been increasing from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $98.

How does Austell compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Availability of off-street parking
  • Road safety
  • Laws
  • Total number of drivers in the area
  • Prevalence of crime

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 cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Austell?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Austell.

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Austell Insurance FAQs

What factors affect car insurance quotes in Austell?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 Austell different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Austell or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes