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How much is car insurance in Braselton?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Braselton is about $7 a month cheaper than it is for the rest of Georgia.
That being said drivers in Braselton may pay higher rates than the rest of the country. The cost of auto coverage in Braselton is about $17 more expensive than the national average.
While these numbers are the average rates for auto insurance in Braselton, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Braselton to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Braselton may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance coverage, Braselton actually defies this trend. While female drivers pay $101 per month for auto insurance, males only pay about $93.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Braselton with one accident will pay around $123 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $187 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$95|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Braselton, with drivers paying around $95 per month for auto insurance.
Car owners will see a monthly bill of about $97, while SUV owners by and large pay around $99 a month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally 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 Braselton, 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)||$106|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
In Braselton, the difference in rates based on relationship status can be as much as $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Braselton. But if you live with your parents, you can expect to pay a lot more.
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 Braselton, GA
Recent trends in car insurance for Braselton 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.
Auto insurance rates in Braselton went up from 2016-2019, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $95 per month.
How does Braselton compare to neighboring areas?
Why are car insurance rates in Braselton different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Number of car accidents
- Community laws
- Amount of off-street parking
- Number of drivers in the region
- Regional crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Braselton?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Braselton.
Braselton Insurance FAQs
What factors affect car insurance quotes in Braselton?
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, address, and marital status.
Why is the cost of car insurance in Braselton 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 Braselton?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Braselton?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Braselton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?