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How much is car insurance in Cartersville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Cartersville is about $14 cheaper than it is in the rest of Georgia.
Compared to the national average cost of auto coverage, Cartersville has higher rates. It's about $11 more for coverage in Cartersville than in the rest of the U.S.
While these are the average car insurance rates for Cartersville, 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Cartersville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Cartersville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Cartersville.
Cartersville Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Cartersville is around $10 a month. As you can see in the chart above, car insurance for women in the area typically costs around $87 each month, while men pay $97 on average.
Cartersville 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 significantly lower rates than those with infractions. In Cartersville, having a single accident on your record will usually get you rates around $116 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $124.
Cartersville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$118|
|15 Years or Older||$86|
According to the first table above, the cheapest vehicles to insure in Cartersville are usually trucks and vans, at $87 per month.
Car owners will see a monthly rate of about $92, while SUV owners by and large pay around $93 per month.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few 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.
Cartersville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Overall, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Cartersville can be as much as $24 a month, so it's worth taking into consideration.
Cartersville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
One other element taken into consideration is your housing status. Drivers who own property in Cartersville can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Cartersville, GA
Recent trends in car insurance for Cartersville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The rates for auto insurance in Cartersville increased from 2017-2018, before decreasing from 2019-2020. They finished down in 2022 at $77 a month.
How does Cartersville compare to neighboring areas?
Why are car insurance rates in Cartersville different from other areas?
There are numerous factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:
- Total number of drivers in the region
- Local regulations
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Local crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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?
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.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Cartersville.
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Cartersville Auto 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 address, credit score, driving record 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Cartersville?
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 Cartersville?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cartersville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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