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How much is car insurance in Carrollton?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Carrollton is about $5 a month cheaper.
That being said Carrollton residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Carrollton is about $20 more expensive than the national average.
Bear in mind that while these are the average car insurance rates for Carrollton, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Carrollton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may begin to increase again in Carrollton.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Carrollton, this difference shakes out to about $11 a month. As illustrated in the table above, female drivers in the area pay about $96 on average, while male drivers pay around $107 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Carrollton with a single accident will pay around $140 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $121.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$131|
|15 Years or Older||$95|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Carrollton, with drivers paying around $97 per month for auto insurance.
Truck and van drivers will see rates of about $98, while the rates for car owners average out to about $102 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Carrollton, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
Overall, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Carrollton is no exception, with the difference totaling to around $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Those who own their own home in Carrollton can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Carrollton, GA
Recent trends in car insurance for Carrollton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Carrollton, auto insurance rates rose from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $71 a month
How does Carrollton compare to neighboring areas?
Why are car insurance rates in Carrollton different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Off-street parking availability
- Local crime rates
- Community laws
- Number of drivers in the area
- Rate of car accidents
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 towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Carrollton?
While knowing 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.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Carrollton.
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Carrollton Insurance FAQs
What factors affect car insurance quotes in Carrollton?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Carrollton different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Carrollton?
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 Carrollton?
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 Carrollton 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.
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