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How much is car insurance in Carrollton?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Carrollton is about $6 cheaper than it is in the rest of Georgia.
On the flip side, residents of Carrollton might expect to pay higher rates for coverage than the rest of the country. Coverage in Carrollton is about $19 more expensive than it is for the rest of the U.S.
These may be the average auto insurance rates for Carrollton, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But worry not, we've done the heavy lifting and broken down the average rate for Carrollton to help you understand what exactly you might be asked to pay. 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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Carrollton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates creep back up a bit in Carrollton.
Carrollton Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Carrollton, the difference comes out to about $9 a month. Looking at the table above, you can see that female drivers pay around $95 on average, while male drivers typically pay $104 each month.
Carrollton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Carrollton with a single accident will pay around $134 a month. Likewise, drivers with one ticket will be looking at a rate of around $119 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Carrollton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$131|
|15 Years or Older||$93|
If you look at the first table above, you'll see that SUVs, trucks, and vans are by and large the cheapest vehicles to insure in Carrollton, with drivers paying around $97 per month to insure their vehicle.
On the other hand, car owners, can expect to pay about $100 per month for auto insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Carrollton, the most expensive vehicles to insure are vehicles two-to -three years old.
Carrollton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
On average, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The cost of auto insurance in Carrollton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $29 a month.
Carrollton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$124|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Carrollton, homeowners can expect to pay around $14 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.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Carrollton, GA
Recent trends in car insurance for Carrollton 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 choosing your car insurance policy.
In Carrollton, car insurance rates went up from 2017-2019, before leveling out in 2020. Insurance 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?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:
- Road Safety (how many accidents each locality has)
- Total number of drivers in the community
- Local laws
- Off-street parking availability
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Carrollton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Carrollton.
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Carrollton Auto Insurance FAQs
What factors affect car insurance quotes in Carrollton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Carrollton different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Carrollton?
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 Carrollton?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Carrollton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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