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How much is car insurance in Clarkston?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Georgia are about $36 a month cheaper than the rates drivers pay in Clarkston.
Drivers relocating the Clarkston should take note of the differences in average rates. It's around $61 more expensive for coverage in Clarkston than the average rates seen in the rest of the U.S.
These rates may be the average amount drivers in Clarkston pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Clarkston so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates rise again once you hit retirement age in Clarkston.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Clarkston totals about $14 per month. Looking at the table above, you can see that female drivers pay around $135 on average, while male drivers typically pay $149 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Clarkston with a single accident on their record will usually see rates around $197 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $160 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$183|
|15 Years or Older||$120|
In terms of affordable coverage, the cheapest vehicles to insure in Clarkston are by and large trucks and vans, at $117 per month.
SUV drivers will see rates of about $156, while the rates for car owners average out to about $140 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Clarkston, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$156|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
In Clarkston, the difference in rates based on relationship status can be as much as $45 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$182|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Clarkston, expect to pay around $18 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Clarkston, GA
Recent trends in car insurance for Clarkston 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 cost of auto insurance coverage in Clarkston went up consistently from 2017-2021. It finished down in 2022, at $136.
How does Clarkston compare to neighboring areas?
Why are car insurance rates in Clarkston different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Area crime rates
- Road Safety (frequency of car accidents)
- Number of drivers in the region
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Clarkston?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Clarkston.
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Clarkston Insurance FAQs
What factors affect car insurance quotes in Clarkston?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Clarkston 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, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Clarkston?
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 Clarkston?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Clarkston 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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