Table of contents
How much is car insurance in Buford?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Buford will typically run you about $17 a month more than in the rest of Georgia.
Similarly, Buford residents should prepare to pay higher rates for coverage than the rest of the country. It's about $42 more expensive for coverage in Buford than the average rates for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Buford, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Buford residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Buford.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Buford, the difference comes out to about $26 a month. As illustrated in the table above, male drivers in the area pay about $137 on average, while female drivers pay around $111 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Buford, a driving record with one accident will usually get you a rate around $150 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $145.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$126|
|15 Years or Older||$115|
As you can see in the first table above, the cheapest vehicles to insure in Buford are typically trucks and vans, which run about $109 per month.
Car owners, on the other hand, by and large pay around $132 per month, while SUV drivers can expect to pay about $110 a month for insurance coverage.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Buford, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Buford is about $39 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Buford. Those who live with their parents, however, 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 overall costs.
Car Insurance Companies in Buford, GA
Recent trends in car insurance for Buford drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Buford, the rates for auto insurance went up from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $90 per month
How does Buford compare to neighboring areas?
Why are car insurance rates in Buford different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Number of drivers in the region
- Access to off-street parking
- Prevalence of crime
- Community regulations
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Buford?
While getting familiar with 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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Buford.
Buford Insurance FAQs
What factors affect car insurance quotes in Buford?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Buford different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Buford?
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 Buford?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Buford 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.