Table of contents
How much is car insurance in Blackshear?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $35 a month cheaper to insure your vehicle in Blackshear than it is in the rest of Georgia.
Likewise, the expected monthly payments for an auto insurance policy in Blackshear are below the national average. It's around $11 less to insure your vehicle compared to the average rate for the United States as a whole.
These rates may be the average amount Blackshear residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you 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.
But don't worry, we've broken down the average rate for Blackshear residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $41 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Blackshear may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Blackshear, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Blackshear, drivers with one accident on their record will experience rates around $79 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$69|
According to the first table above, the cheapest vehicles to insure in Blackshear are by and large trucks and vans, at $64 per month.
Cars and SUVs, on the other hand, cost about the same to insure, around $70 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Blackshear, 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)||$76|
Generally speaking, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Blackshear is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Your living situation is another factor that affects your monthly rate. Homeowners and renters alike can expect to pay about $68 per month for coverage in Blackshear.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Blackshear, GA
Recent trends in car insurance for Blackshear drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Blackshear went up from 2016-2017, before steadying out in 2018. They finished up in 2021, at $86 per month
How does Blackshear compare to neighboring areas?
Why are car insurance rates in Blackshear different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Road Safety (how many accidents each locality has)
- Regional laws
- Total number of drivers in the region
- Off-street parking availability
- Prevalence of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Blackshear?
While knowing 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.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Blackshear.
Blackshear Insurance FAQs
What factors affect car insurance quotes in Blackshear?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Blackshear different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Blackshear?
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 Blackshear?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Blackshear or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.