Cedartown, GA Car Insurance

On average, drivers in Cedartown pay around $91 per month for their car insurance. To learn more about policy rates and coverage in the Cedartown area, continue reading our guide below.
How much can residents of Cedartown expect to pay for their car insurance? How does Cedartown stack up to the rest of the area, or even Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Cedartown?

Area Average Monthly Car Insurance Premium
Cedartown$91
GA$106
United States$81

Looking at the chart above, you can see it's around $15 a month cheaper to insure your vehicle in Cedartown than it is in the rest of Georgia.

On the flip side, drivers in Cedartown may pay higher rates than the rest of the country. It's around $10 more expensive to insure your vehicle in Cedartown compared to the average rate for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for Cedartown residents, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 premium.

But don't worry, we've broken down average rates for Cedartown residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$180
25-34$84
35-44$80
45-54$68
55-64$80
65+$104

It's pretty safe to assume that the older you are, the longer you've been driving. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates rise again in Cedartown.

Average Car Insurance Rates by Gender

Gender Average
Male$98
Female$87

On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Cedartown, where women pay around $11 less per month than men. As illustrated in the table above, female drivers in the area pay about $87 on average, while male drivers pay around $98 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$113
Multiple Accidents$202
1 Ticket$126
Multiple Tickets$94

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Cedartown, having a single accident on your record will usually get you rates around $113 a month. Likewise, drivers with one ticket will be looking at a rate of around $126 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$95
4-5 Years$126
6-7 Years$143
8-10 Years$108
11-14 Years$94
15 Years or Older$81

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Cedartown, with drivers paying around $82 per month for insurance coverage.

SUV drivers will see rates of about $96 for car insurance, while car owners typically pay around $92 a month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Cedartown, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$98
Married$72
Divorced$75
Widowed$82

Overall, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

In Cedartown, the difference in rates based on relationship status can be as much as $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$94
Live with parents$122

Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Cedartown can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Cedartown, GA

Recent trends in car insurance for Cedartown 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.

The rates for auto insurance in Cedartown have been mixed as of late, they decreased in 2017, increased in 2019, and fell again in 2021, before finishing at $63 in 2022.

How does Cedartown compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Area laws
  • Number of drivers in the region
  • Crime levels
  • Off-street parking access
  • Frequency of car accidents

An awareness of these factors is important 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 learn more.

How can I find the cheapest car insurance in Cedartown?

While getting familiar with 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 will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Cedartown.

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Cedartown Insurance FAQs

What factors affect car insurance quotes in Cedartown?

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 Cedartown different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Cedartown?

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 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. 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 Cedartown or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes