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How much is car insurance in Buford?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Buford are about $21 a month more expensive than the rest of Georgia.
Likewise, drivers in Buford may pay higher rates than the rest of the country. The average monthly payment in Buford is about $45 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Buford, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium 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 Buford residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Buford.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Buford, the difference comes out to about $26 per month. As you can see in the table above, male drivers in the area typically pay $138 on average, while female drivers typically pay $112 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Buford, drivers with one accident on their record will experience rates around $150 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $174 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$133|
|15 Years or Older||$116|
According to the first table above, the cheapest vehicles to insure in Buford are by and large SUVs, at $108 per month.
Car owners, on the other hand, typically pay around $134 a month, while truck and van drivers can expect to pay about $109 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Buford, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$139|
On average, married policyholders will pay slightly less for 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.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Buford is no exception, with the difference totaling to around $41 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $25 a month more than drivers who own property in Buford. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Buford, GA
Recent trends in car insurance for Buford drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Buford, the rates for auto insurance decreased from 2016-2017, when they hit a low of $107, but started to rise from 2018-2019. They finished up in 2021, at $183.
How does Buford compare to neighboring areas?
Why are car insurance rates in Buford different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Crime rates
- Number of drivers in the community
- Local laws
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Buford?
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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Buford.
Buford Insurance FAQs
What factors affect car insurance quotes in Buford?
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, address, credit score, and marital status.
Why is the cost of car insurance in Buford different from other neighboring cities?
Things like crime rates, local laws, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Buford?
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 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.