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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.
That being said residents of Calhoun might expect to pay higher rates for coverage than the rest of the country. It's about $1 more expensive than the national average to insure your vehicle in Calhoun.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down average rates for Calhoun residents 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 Code below and find out in just minutes!
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Calhoun Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Calhoun.
Calhoun Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Calhoun, where women pay around $9 less per month than men. Based on the chart above, you can see that female drivers pay around $77 on average, while male drivers typically pay $86 each month.
Calhoun Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Calhoun with a single accident on their record will usually see rates around $117 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
Calhoun Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$76|
In terms of affordable coverage, the cheapest vehicles to insure in Calhoun are usually SUVs, at $77 per month.
Car owners will see rates of about $83, while truck and van owners by and large pay around $82 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Calhoun, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Calhoun Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Calhoun, with married couples paying about $23 less per month.
Calhoun Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners and renters alike can expect to pay about $80 per month for coverage in Calhoun.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance 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 before picking an insurance policy.
The cost of auto insurance in Calhoun increased from 2017-2018, before steadying out in 2019. They rose again, hitting a high of $97 in 2021, and finished down at $69 in 2022.
How does Calhoun compare to neighboring areas?
Why are car insurance rates in Calhoun different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Access to off-street parking
- Crime rates
- Area regulations
- Amount of drivers in the community
- Road Safety (total number of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Calhoun.
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Calhoun Auto 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 gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Calhoun 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 Calhoun?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Calhoun?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Calhoun or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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