Commerce, GA Car Insurance

How much can residents of Commerce expect to pay for their car insurance? How does Commerce stack up to the rest of the area, or even Georgia as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Commerce?

Based on the chart above, you can see that coverage in Commerce typically costs about $18 a month less than it does in the rest of Georgia.

That being said drivers in Commerce may pay higher rates than the rest of the country. The cost of auto coverage in Commerce is about $7 more expensive than the national average.

Although these are the average rates for auto insurance in Commerce, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've broken down the average rates for Commerce to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. 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. You may see your rates begin to increase again once you hit retirement in Commerce.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Commerce is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Commerce, a driving record with a single accident will usually get you a rate around $100 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $111.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Commerce are typically trucks and vans, with each type typically costing about $80 per month.

Car owners will see a monthly rate of about $91, while SUV owners by and large pay around $88 per month.

Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Commerce, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Commerce can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Renters can expect to pay around $11 a month more than those who own their own home in Commerce. But if you live with your parents, your rates will be significantly higher.

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 overall costs.

Car Insurance Companies in Commerce, GA

Recent trends in car insurance for Commerce drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

Auto insurance rates in Commerce have been mixed as of late, they fell in 2017, increased in 2019, and dropped again in 2021, before finishing at $68 in 2022.

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 a lot of factors when choosing how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

• Area laws
• Access to off-street parking
• Crime levels
• Frequency of car accidents
• Amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Commerce?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Commerce.

Commerce Insurance FAQs

What factors affect car insurance quotes in Commerce?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Commerce different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Commerce or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.