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How much is car insurance in Austell?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Austell are about $13 a month more expensive than the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Austell are above the national average. It's about $38 more expensive than the national average to insure your vehicle in Austell.
Although these are the average rates for auto insurance in Austell, it's important to remember that you could end up paying something different. 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.
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'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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Austell Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Austell drivers may see their rates climb back up a bit once they hit retirement.
Austell Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Austell, where male drivers pay about $7 more a month. Based on the chart above, you can see that male drivers pay $122 on average, while female drivers typically pay $115 each month.
Austell 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 can expect to pay significantly less than those with infractions. Drivers in Austell with one accident will pay around $150 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $151 on average.
Austell Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$129|
|15 Years or Older||$110|
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 $113 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Austell are vehicles six-to-seven years old.
Austell Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Austell as well, where the difference is around $29 a month.
Austell Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $14 a month more than drivers who own property in Austell. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you 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
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 rose from 2017-2020, when they reached a high of $152. This trend leveled out in 2021, when they began to decrease, and have continued on that road through the present, where insurance rates finished at $100 per month.
How does Austell compare to neighboring areas?
Why are car insurance rates in Austell different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Access to off-street parking
- Number of drivers in the area
- Crime levels
- General road safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Austell.
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Austell Auto Insurance FAQs
What factors affect car insurance quotes in Austell?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, 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 crime rates, local laws, and parking situations 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 however, 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, 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 Austell 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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