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How much is car insurance in Cedartown?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Cedartown is about $15 a month cheaper.
Conversely, the expected monthly payments for an auto insurance policy in Cedartown are above the national average. The cost of auto coverage in Cedartown is about $10 more expensive than the national average.
While these are the average monthly costs for auto insurance coverage in Cedartown, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to 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 payment amount.
But worry not, we've done the heavy lifting and broken down the average rate for Cedartown to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Cedartown Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $73 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Cedartown.
Cedartown Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Cedartown, where male drivers pay about $12 more per month. As you can see in the table above, male drivers in the area typically pay $97 on average, while female drivers typically pay $85 each month.
Cedartown Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Cedartown with a single accident on their record will usually see rates around $111 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $123.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Cedartown Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$80|
The cheapest vehicles to insure in Cedartown are usually trucks and vans, with each type typically costing about $82 per month.
Car owners, on the other hand, by and large pay around $90 a month, while SUV drivers can expect to pay about $94 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Cedartown, the most expensive vehicles to insure are vehicles six-to-seven years old.
Cedartown Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally, married policyholders will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Cedartown can be as much as $23 a month, so it's worth keeping that in mind.
Cedartown Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
Another factor that comes into play is your housing situation. In Cedartown, homeowners can expect to pay around $12 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 car insurance premiums.
Car Insurance Companies in Cedartown, GA
Recent trends in car insurance for Cedartown drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
Car insurance rates in Cedartown have been mixed recently. They decreased in 2017, rose in 2019, and dropped again in 2021, before finishing at $64 in 2022.
How does Cedartown compare to neighboring areas?
Why are car insurance rates in Cedartown different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Prevalence of crime
- Availability of off-street parking
- Road safety
- Area regulations
- Number of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cedartown?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Cedartown.
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Cedartown Auto Insurance FAQs
What factors affect car insurance quotes in Cedartown?
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 Cedartown 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Cedartown?
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 Cedartown?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Cedartown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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