Calhoun, GA Car Insurance

On average, Calhoun drivers pay a monthly average rate of around $81 for their car insurance. We cover plan rates, policies and more in our guide below.
Compared to their surrounding area, how do rates in Calhoun stack up? What about against the rest of Georgia? What rates can residents of Calhoun expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Calhoun?

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

Car insurance coverage in Calhoun is about $25 cheaper than it is in the rest of Georgia.

When stacked up against the national average, the average monthly policy payment for Calhoun is more affordable. The average monthly payment for the United States as a whole is about $0 more expensive than in Calhoun.

While these numbers are the average rates for auto insurance in Calhoun, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Calhoun residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$133
25-34$75
35-44$74
45-54Not Enough Data
55-64$67
65+$69

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings 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 drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Calhoun.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$78

On average, female drivers pay slightly less for car insurance than their male counterparts. In Calhoun, the difference is around $8 per month. As you can see in the chart above, car insurance for women in the area typically costs around $78 each month, while men pay $86 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$117
Multiple Accidents$181
1 Ticket$88
Multiple Tickets$171

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay less than those with accidents or violations. The rate for drivers in Calhoun with a single accident on their record is about $117 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $88.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$87
4-5 Years$65
6-7 Years$73
8-10 Years$79
11-14 Years$95
15 Years or Older$76

In Calhoun, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $77 per month for insurance.

Truck and van drivers will see rates of about $81 for car insurance, while car owners usually pay around $83 a month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive 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.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$66
Divorced$71
Widowed$65

Overall, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Calhoun can be as much as $24 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$81
Live with parents$96

Your housing situation is another component of how insurance companies calculate your monthly rate. Whether rent your home or own property in Calhoun, you can expect to pay around $81 per month.

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 Calhoun, GA

Recent trends in car insurance for Calhoun drivers

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

Auto insurance rates in Calhoun had been increasing from 2017-2018, before steadying out in 2019. Rates increased again, hitting a high of $97 in 2021, and finished down at $70 in 2022.

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 an insurance policy, car insurance companies will evaluate numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Road Safety (frequency of car accidents)
  • Availability of off-street parking
  • Number of drivers in the region
  • Regional crime rates
  • Local regulations

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Calhoun?

Equipping 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.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Calhoun.

Compare the cheapest quotes from dozens of insurance companies

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 gender and age, but also factors like your address, credit score, driving record, 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 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 Calhoun?

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 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?

Find your best rate in just a few minutes