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How much is car insurance in Barnesville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Barnesville are about $14 a month cheaper than in the rest of Georgia.
On the other hand, drivers in Barnesville may pay higher rates than the rest of the country. You can expect to pay about $10 more for your policy in Barnesville.
Keep in mind that while these are the average car insurance rates for Barnesville, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Barnesville residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $65 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may climb back up a bit in Barnesville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Barnesville, male drivers pay about $5 more a month. As you can see in the table above, male drivers in the area typically pay $93 on average, while female drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Barnesville with a single accident will pay around $93 a month. In addition, drivers with one ticket can expect to pay around $128 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$86|
The cheapest vehicles to insure in Barnesville are typically trucks and vans, with each type typically costing about $72 per month.
SUV drivers will see rates of about $93, while the rates for car owners average out to about $94 per month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Barnesville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
The difference in rates based on relationship status in Barnesville 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|
|Live with parents||$103|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Barnesville, expect to pay around $14 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
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 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 increased from 2016-2019, before leveling out in 2020. Insurance rates finished up in 2021, at $105 a month
How does Barnesville compare to neighboring areas?
Why are car insurance rates in Barnesville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- General road safety (how many accidents each locality has)
- Area regulations
- Off-street parking access
- Number of drivers
- Rate 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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Barnesville?
Equipping 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.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Barnesville.
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Barnesville different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Barnesville?
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 Barnesville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Barnesville 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.