Barnesville, GA Car Insurance

On average, Barnesville drivers pay around $88 a month for their car insurance. For more information refer to our guide below.
How do rates in Barnesville measure up compared to neighboring areas, including Georgia as a whole? What rates should residents of Barnesville expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Barnesville?

Area Average Monthly Car Insurance Premium
Barnesville$88
GA$106
United States$81

The cost of coverage in Barnesville is about $18 a month cheaper than it is for the rest of Georgia.

Conversely, residents of Barnesville might expect to pay higher rates for coverage than the rest of the country. It's about $7 more expensive for coverage in Barnesville than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for Barnesville, 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 monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Barnesville and broken down the different factors to help you understand what your monthly bill might look like. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$133
25-34$94
35-44$76
45-54$68
55-64$75
65+$69

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may climb back up a bit in Barnesville.

Average Car Insurance Rates by Gender

Gender Average
Male$92
Female$86

On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Barnesville totals about $6 a month. Looking at the table above, you can see that female drivers pay around $86 on average, while male drivers typically pay $92 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$169
1 Ticket$116
Multiple Tickets$107

Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Barnesville, a driving record with one accident will usually get you a rate around $94 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $116 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$97
2-3 Years$150
4-5 Years$75
6-7 Years$87
8-10 Years$85
11-14 Years$96
15 Years or Older$85

As you can see in the first table above, the cheapest vehicles to insure in Barnesville are by and large trucks and vans, which run about $77 per month.

Cars and SUVs, however, usually cost about $92 for auto insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Barnesville, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$94
Married$66
Divorced$78
Widowed$77

Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Barnesville is no exception, with the difference totaling to around $28 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$91
Live with parents$95

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Barnesville. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Barnesville, GA

Recent trends in car insurance for Barnesville 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 cost of car insurance coverage in Barnesville had been increasing from 2017-2019, before leveling out in 2020. Policy premiums finished down in 2022, at $65 per month

How does Barnesville compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Road safety
  • Total amount of drivers in the area
  • Crime rates
  • Amount of off-street parking
  • Regional laws

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Barnesville?

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

But hold on! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Barnesville in no time.

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Barnesville Insurance FAQs

What factors affect car insurance quotes in Barnesville?

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, plus your marital status, address, credit score, and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Barnesville?

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 Barnesville?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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 Barnesville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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