Baxley, GA Car Insurance

Drivers in Baxley pay, on average, $74 a month for their car insurance. To learn more about policy rates and coverage in the Baxley area, continue reading our guide below.
What rates should residents of Baxley expect to pay for their car insurance? How does Baxley stack up to the rest of the area, or even Georgia as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Baxley?

Area Average Monthly Car Insurance Premium
Baxley$74
GA$104
United States$80

Based on the above chart, auto insurance policies in Baxley are about $30 a month cheaper than in the rest of Georgia.

Likewise, the expected monthly payments for an auto insurance policy in Baxley are below the national average. You can expect to pay about $6 less for your policy in Baxley than in the rest of United States.

While these numbers represent the average monthly payments for coverage in Baxley, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.

But don't worry, we've broken down average rates for Baxley residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$125
25-34$66
35-44$66
45-54Not Enough Data
55-64$62
65+$49

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up a bit in Baxley.

Average Car Insurance Rates by Gender

Gender Average
Male$84
Female$65

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Baxley, where women pay around $19 less per month than men. As you can see in the table above, female drivers in the area typically pay $65 on average, while female drivers typically pay $84 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$128
1 Ticket$78
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Baxley with a single accident on their record will usually see rates around $133 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$30
2-3 Years$55
4-5 Years$66
6-7 Years$69
8-10 Years$70
11-14 Years$76
15 Years or Older$75

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Baxley, with drivers paying around $63 per month for auto insurance.

Car owners can expect to pay an average of around $75 a month for their policy, while SUVs usually cost around $76 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Baxley, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$81
Married$58
Divorced$62
Widowed$49

Overall, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Baxley can be as much as $23 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$69
Rent$68
Live with parents$122

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in Baxley. 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 Baxley, GA

Recent trends in car insurance for Baxley drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The rates for auto insurance in Baxley went up from 2016-2018, where they hit a high of $85, before steadying out in 2019. Policy premiums had been increasing once again in 2020, and have continued rising through 2021, where they reached $80 per month.

How does Baxley compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Area crime rates
  • Off-street parking access
  • Regional laws
  • Number of car accidents
  • Number of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Baxley?

Arming 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.

But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Baxley.

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Baxley Insurance FAQs

What factors affect car insurance quotes in Baxley?

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 gender and age, as well as your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 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, 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 Baxley 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.

Find your best rate in just a few minutes