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How much is car insurance in Baxley?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Baxley is about $34 a month cheaper.
Likewise, the expected monthly payments for an auto insurance policy in Baxley are below the national average. The average monthly payment in Baxley is about $9 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Baxley, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 worry, we've done the work for you and broken down average rates for Baxley to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Baxley.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Baxley, the difference is around $21 per month. Based on the chart above, you can see that male drivers pay $84 on average, while female drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Baxley, having a single accident on your record will usually get you rates around $129 a month. In addition, drivers with one ticket can expect to pay around $74 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$30|
|15 Years or Older||$71|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Baxley, with drivers paying around $69 per month for insurance coverage.
Car owners will see a monthly bill of about $71, while SUV owners by and large pay around $74 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Baxley, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Baxley is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your living accommodations is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in Baxley are around $67 per month.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Baxley, GA
Recent trends in car insurance for Baxley drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Baxley, the rates for car insurance had been increasing from 2017-2018, when they hit a high of $85. This pattern changed in 2021, when they began to decrease, and have continued on that road through the present -- when insurance rates reached a low of $50 per month.
How does Baxley compare to neighboring areas?
Why are car insurance rates in Baxley different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Community laws
- Off-street parking access
- General road safety (how many accidents each locality has)
- Number of drivers in the region
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Baxley?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Baxley.
Baxley Insurance FAQs
What factors affect car insurance quotes in Baxley?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Baxley different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Baxley?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Baxley?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Baxley or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?