At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Buford?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $18 a month more expensive to insure your vehicle in Buford than it is in the rest of Georgia.
Drivers relocating the Buford should take note of the differences in average rates. It's about $43 more expensive for coverage in Buford than the average rates for the U.S. as a whole.
These rates may be the average amount Buford residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Buford 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 below and find out in just minutes!
Find your best rate in just a few minutes
Buford Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Buford may see their rates creep back up once they hit retirement.
Buford Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Buford, where women pay around $26 less a month. Based on the chart above, you can see that female drivers pay around $110 on average, while male drivers typically pay $136 each month.
Buford Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Buford, drivers with one accident on their record will experience rates around $149 a month. In addition, drivers with a single ticket on their record can expect to pay around $144 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Buford 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 by and large trucks and vans, which run about $108 per month.
Car owners, on the other hand, typically pay around $132 per month, while SUV drivers can expect to pay about $109 a month for insurance coverage.
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 cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Buford, vehicles eight-to-ten years old are the most expensive to insure.
Buford Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$135|
More often than not, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Buford can be as much as $38 a month, so it's worth taking into consideration.
Buford Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Buford. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 before picking an insurance policy.
The rates for auto insurance in Buford went up from 2017-2019, before leveling out in 2020. They finished down in 2022, at $93 per month
How does Buford compare to neighboring areas?
Why are car insurance rates in Buford different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Total drivers
- Road Safety (frequency of local car accidents)
- Access to off-street parking
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. 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 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.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Buford.
Find your best rate in just a few minutes
Buford Auto Insurance FAQs
What factors affect car insurance quotes in Buford?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Buford different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Buford?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Buford or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes