Cedartown, GA Car Insurance

Drivers in Cedartown pay around $92 a month for their car insurance. To find out more check out our guide below.
How do rates in Cedartown measure up compared to neighboring areas, including Georgia as a whole? What can Cedartown residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Cedartown?

Area Average Monthly Car Insurance Premium
Cedartown$92
GA$104
United States$80

As you can see in the chart above, it is around $12 a month cheaper to insure your vehicle in Cedartown than it is in the rest of Georgia.

If you're considering relocating to Cedartown from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $12 cheaper than it is in Cedartown.

While these numbers represent the average monthly payments for coverage in Cedartown, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've broken down the average rates for Cedartown to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$185
25-34$85
35-44$82
45-54Not Enough Data
55-64$70
65+$104

It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates rise again in Cedartown.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$91

On average, female drivers pay slightly less for car insurance than their male counterparts. In Cedartown, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$119
Multiple Accidents$213
1 Ticket$141
Multiple Tickets$106

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Cedartown with a single accident on their record will usually see rates around $119 a month. In addition, drivers with one ticket can expect to pay around $141 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$65
2-3 Years$99
4-5 Years$123
6-7 Years$140
8-10 Years$92
11-14 Years$99
15 Years or Older$83

As you can see in the first table above, the cheapest vehicles to insure in Cedartown are usually trucks and vans, which run about $76 per month.

Car owners can expect to pay an average of around $92 a month for their policy, while SUVs usually cost around $99 a month to insure.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Cedartown are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$101
Married$72
Divorced$75
Widowed$82

More often than not, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly 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 $29 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$95
Live with parents$140

Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $15 a month more than homeowners in Cedartown. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Cedartown, GA

Recent trends in car insurance for Cedartown 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.

The cost of auto insurance in Cedartown rose from 2016-2017, where it hit a high of $90, before steadying out in 2018. Policy premiums had been increasing again in 2019, and finished down at $101 in 2021.

How does Cedartown compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Community laws
  • Amount of drivers
  • Road Safety (frequency of local car accidents)
  • Access to off-street parking
  • Regional crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Cedartown?

Arming 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.

But hold on! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Cedartown in no time.

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Cedartown Insurance FAQs

What factors affect car insurance quotes in Cedartown?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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 parking situations, crime rates, 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 Cedartown?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

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?

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 Cedartown 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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