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How much is car insurance in Barnesville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Barnesville is about $17 cheaper than it is in the rest of Georgia.
On the other hand, Barnesville residents should prepare to pay higher rates for coverage than the rest of the country. It's about $8 more for coverage in Barnesville than in the rest of the U.S.
Bear in mind that while these rates are the average costs for Barnesville drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill 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 Code below and find out!
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Barnesville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Barnesville.
Barnesville Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Barnesville, male drivers pay about $7 more per month. Based on the chart above, you can see that male drivers pay $93 on average, while female drivers typically pay $86 each month.
Barnesville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Barnesville with one accident will pay around $97 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $118.
Barnesville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|15 Years or Older||$85|
In Barnesville, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $76 per month for auto insurance.
Car owners, on the other hand, by and large pay around $91 a month, while SUV drivers can expect to pay about $92 per month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Barnesville, vehicles two-to -three years old are the most expensive to insure.
Barnesville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Barnesville is about $28 a month, with married couples paying less for coverage than single drivers.
Barnesville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Barnesville. But those who live at home with their parents can expect to pay significantly more.
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 Barnesville, GA
Recent trends in car insurance for Barnesville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for car insurance in Barnesville increased from 2017-2019, before steadying out in 2020. They finished down in 2022, at $75 a 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 several factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Frequency of car accidents
- Amount of drivers
- Local regulations
- Off-street parking accessibility
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 Barnesville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Barnesville in no time.
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Barnesville Auto Insurance FAQs
What factors affect car insurance quotes in Barnesville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Barnesville different from other neighboring cities?
Crime rates, local laws, 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Barnesville 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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