Table of contents
How much is car insurance in Commerce?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Commerce | $90 |
| GA | $104 |
| United States | $80 |
Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Commerce than it is in the rest of Georgia.
That being said Commerce residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $10 more for your policy in Commerce.
These rates may be the average amount drivers in Commerce pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car 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 payment amount.
But don't worry, we've broken down the average rate for Commerce residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $132 |
| 25-34 | $87 |
| 35-44 | $81 |
| 45-54 | $68 |
| 55-64 | $65 |
| 65+ | $79 |
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 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. Drivers in Commerce may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $93 |
| Female | $88 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Commerce, the difference is around $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $88 each month, while men pay $93 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $100 |
| Multiple Accidents | $230 |
| 1 Ticket | $100 |
| Multiple Tickets | $106 |
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Commerce with a single accident will pay around $100 a month. In addition, drivers with a single ticket on their record can expect to pay around $100 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $142 |
| 2-3 Years | $105 |
| 4-5 Years | $83 |
| 6-7 Years | $78 |
| 8-10 Years | $96 |
| 11-14 Years | $91 |
| 15 Years or Older | $87 |
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Commerce, with drivers paying around $82 per month for insurance coverage.
Car owners will see a monthly premium of about $91, while SUV owners typically pay around $90 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Commerce, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $98 |
| Married | $73 |
| Divorced | $76 |
| Widowed | $58 |
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
The difference in rates based on relationship status in Commerce can be as much as $25 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $81 |
| Rent | $91 |
| Live with parents | $116 |
One other element taken into consideration is your housing status. If you rent your home or apartment in Commerce, expect to pay around $10 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly 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 average costs.
Car Insurance Companies in Commerce, GA
Recent trends in car insurance for Commerce drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Commerce, auto insurance rates went up from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $87 a month.
How does Commerce compare to neighboring areas?
Why are car insurance rates in Commerce different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Area crime rates
- Regional laws
- Total number of drivers in the region
- Road Safety (how many accidents each locality has)
- Off-street parking availability
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Commerce?
Equipping 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 wait! Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer coverage in Commerce.
Commerce Insurance FAQs
What factors affect car insurance quotes in Commerce?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Commerce different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Commerce?
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 Commerce?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Commerce or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?