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How much is car insurance in Calhoun?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Calhoun is about $24 cheaper than it is in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Calhoun is rather affordable. The average monthly payment in Calhoun is about $0 cheaper than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Calhoun, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Calhoun so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $55 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up a bit in Calhoun.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Calhoun is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Calhoun, a driving record with a single accident will usually get you a rate around $120 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $99.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$70|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Calhoun are usually trucks and vans, at $75 per month.
Cars and SUVs, however, usually cost about $81 for auto insurance coverage.
The age of your vehicle 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 Calhoun are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$88|
Overall, people who are married 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.
The cost of auto insurance in Calhoun reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your living situation is another factor that affects your monthly rate. In Calhoun, homeowners can expect to pay around $6 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Calhoun, GA
Recent trends in car insurance for Calhoun 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 Calhoun, auto insurance rates rose from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $63 per month
How does Calhoun compare to neighboring areas?
Why are car insurance rates in Calhoun different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking access
- Road Safety (frequency of local car accidents)
- Local crime rates
- Community regulations
- Total number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Calhoun?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Calhoun.
Calhoun Insurance FAQs
What factors affect car insurance quotes in Calhoun?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Calhoun different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Calhoun?
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 Calhoun?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Calhoun or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?