Table of contents
How much is car insurance in Cordele?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $38 a month cheaper to insure your vehicle in Cordele than it is in the rest of Georgia.
Likewise, car insurance rates in Cordele are often favorable when viewed against the rest of the country. Auto insurance coverage in Cordele is about $14 cheaper than it is for the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Cordele, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Cordele residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $32 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Cordele.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Cordele, where female drivers pay around $69 per month while male drivers pay about $62.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. In Cordele, drivers with one accident on their record will experience rates around $116 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$63|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Cordele, with drivers paying around $59 per month to insure their vehicle.
SUV drivers will see rates of about $65 for car insurance coverage, while car owners typically pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Cordele are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Cordele as well, where the difference is around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Cordele can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot 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 Cordele, GA
Recent trends in car insurance for Cordele drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance in Cordele rose from 2016-2017, before steadying out in 2018. Rates had been increasing again recently, hitting a high of $90 in 2021.
How does Cordele compare to neighboring areas?
Why are car insurance rates in Cordele different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- General road safety (how many accidents each locality has)
- Area laws
- Prevalence of crime
- Number of drivers
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Cordele?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Cordele.
Cordele Insurance FAQs
What factors affect car insurance quotes in Cordele?
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 year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Cordele different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Cordele?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Cordele?
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?
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 Cordele 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.