Byron, GA Car Insurance

Residents of Byron pay, on average, about $89 per month for car insurance. Learn more in our handy guide below.
How much can residents of Byron expect to pay for their car insurance? Compared to their surrounding area, how do rates in Byron stack up? What about against the rest of Georgia? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Byron?

Area Average Monthly Car Insurance Premium
Byron$89
GA$106
United States$81

Car insurance coverage in Byron is about $17 cheaper than it is in the rest of Georgia.

The average cost of insuring your vehicle in Byron is above the national rate. The average monthly payment in Byron is about $8 more expensive than the rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Byron, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't worry, we've done the work for you and broken down the average rates for Byron to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$147
25-34$93
35-44$79
45-54$78
55-64$60
65+$85

The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Byron.

Average Car Insurance Rates by Gender

Gender Average
Male$91
Female$88

On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Byron is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$120
Multiple Accidents$142
1 Ticket$104
Multiple Tickets$148

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Byron, having a single accident on your record will usually get you rates around $120 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $104 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$83
2-3 Years$129
4-5 Years$96
6-7 Years$89
8-10 Years$104
11-14 Years$86
15 Years or Older$87

According to the first table above, the cheapest vehicles to insure in Byron are typically SUVs, at $77 per month.

Car owners will see rates of about $96, while truck and van owners usually pay around $84 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Byron are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$95
Married$71
Divorced$72
Widowed$89

Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Byron can be as much as $24 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$79
Rent$92
Live with parents$110

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Byron can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Byron, GA

Recent trends in car insurance for Byron drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Byron had been increasing from 2017-2019, but began to decrease in 2020. This trend has continued through 2022 when rates have most recently reached $55 a month.

How does Byron compare to neighboring areas?

Why are car insurance rates in Byron different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Road Safety (frequency of car accidents)
  • Regional regulations
  • Off-street parking availability
  • Crime
  • Total number of drivers in the region

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Byron?

Arming 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.

Don't worry, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing plans in Byron.

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Byron Insurance FAQs

What factors affect car insurance quotes in Byron?

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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Byron different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Byron?

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 Byron?

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?

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 Byron or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes