Cartersville, GA Car Insurance

Drivers in Cartersville pay, on average, $93 a month for their car insurance. For more information refer to our guide below.
How does Cartersville compare to the surrounding area and the rest of Georgia? What should residents of Cartersville expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Cartersville?

Area Average Monthly Car Insurance Premium
Cartersville$93
GA$104
United States$80

Based on the chart above, you can see that coverage in Cartersville typically costs about $11 a month less than it does in the rest of Georgia.

The average cost of insuring your vehicle in Cartersville is above the national rate. Coverage in Cartersville is about $13 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for Cartersville, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Cartersville and broken down the different factors to help you understand what your monthly bill might look like. 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 18Not Enough Data
18-24$156
25-34$87
35-44$84
45-54$73
55-64$71
65+$81

The longer you've been on the road, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Cartersville drivers may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$99
Female$88

Car insurance rates for men are usually slightly more expensive than they are for women. In Cartersville, the difference comes out to about $11 a month. Based on the chart above, you can see that female drivers pay around $88 on average, while male drivers typically pay $99 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$120
Multiple Accidents$149
1 Ticket$136
Multiple Tickets$136

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Cartersville, a driving record with a single accident will usually get you a rate around $120 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $136.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$119
2-3 Years$87
4-5 Years$92
6-7 Years$98
8-10 Years$93
11-14 Years$97
15 Years or Older$88

According to the first table above, the cheapest vehicles to insure in Cartersville are typically trucks and vans, at $87 per month.

SUV drivers will see rates of about $93 for car insurance, while car owners usually pay around $94 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Cartersville, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$75
Divorced$84
Widowed$81

More often than not, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Cartersville is no exception, with the difference totaling to around $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$94
Live with parents$138

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than drivers who own property in Cartersville. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Cartersville, GA

Recent trends in car insurance for Cartersville drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Cartersville, the rates for auto insurance rose from 2016-2018, before turning downward from 2019-2020. They finished up in 2021, at $122 a month.

How does Cartersville compare to neighboring areas?

Why are car insurance rates in Cartersville different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Total number of drivers in the region
  • Road Safety (how many accidents each locality has)
  • Availability of off-street parking
  • Crime levels
  • Laws

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 get started.

How can I find the cheapest car insurance in Cartersville?

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 Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Cartersville.

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Cartersville Insurance FAQs

What factors affect car insurance quotes in Cartersville?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Cartersville different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Cartersville?

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 Cartersville?

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 Cartersville 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.

Find your best rate in just a few minutes