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How much is car insurance in Cordele?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Cordele are about $38 a month cheaper than in the rest of Georgia.
Compared to the rest of the country, auto insurance in Cordele is more affordable. It's around $13 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Cordele, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
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 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!
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Cordele Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Cordele drivers may see their rates climb back up once they hit retirement.
Cordele Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Cordele actually bucks this trend. While female drivers pay $69 a month to insure their car, males only pay about $62.
Cordele Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Cordele with a single accident on their record is about $108 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $73.
Cordele Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$65|
According to the first table above, the cheapest vehicles to insure in Cordele are usually trucks and vans, at $58 per month.
SUV drivers will see rates of about $66, while the rates for car owners average out to about $69 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Cordele, the most expensive vehicles to insure are vehicles less than one year old.
Cordele Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Cordele follows that pattern, with the difference totaling to around $5 a month.
Cordele Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $5 a month more than drivers who own property in Cordele. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Cordele, GA
Recent trends in car insurance for Cordele drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for car insurance in Cordele rose from 2020-2021, before leveling out in 2022. They finished down in 2022, at $59 a month
How does Cordele compare to neighboring areas?
Why are car insurance rates in Cordele different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking access
- Prevalence of crime
- Community regulations
- Number of car accidents
- Total amount of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Cordele?
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 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 policies in Cordele.
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Cordele Auto 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Cordele different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 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 Cordele?
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?
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 Cordele 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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