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How much is car insurance in Brunswick?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Brunswick are about $32 a month cheaper than in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Brunswick is rather affordable. The average monthly payment in Brunswick is about $8 cheaper than the rate for the rest of the United States.
These rates may be the average amount residents of Brunswick pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down average rates for Brunswick residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, 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|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Brunswick may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Brunswick is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Brunswick, a driving record with a single accident will usually get you a rate around $94 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $142.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$67|
In terms of affordable coverage, the cheapest vehicles to insure in Brunswick are usually trucks and vans, at $69 per month.
Meanwhile, Brunswick drivers who own a car or SUV can expect to pay about $72 for insurance coverage.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Brunswick, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Brunswick as well, where the difference is around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Brunswick, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Brunswick, GA
Recent trends in car insurance for Brunswick 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.
In Brunswick, the rates for car insurance had been increasing from 2016-2019, before steadying out in 2020. Insurance rates finished up in 2021, at $81 a month
How does Brunswick compare to neighboring areas?
Why are car insurance rates in Brunswick different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Area laws
- Total drivers
- Amount of off-street parking
- Area crime rates
- Frequency of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Brunswick?
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.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Brunswick.
Brunswick Insurance FAQs
What factors affect car insurance quotes in Brunswick?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Brunswick 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 Brunswick?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brunswick?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Brunswick or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.