Table of contents
How much is car insurance in Cordele?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Cordele is about $39 a month cheaper than it is for the rest of Georgia.
Drivers relocating from out of state may enjoy some cost savings in Cordele. You can expect to pay about $14 less for your policy in Cordele than in the rest of U.S.
While these are the average monthly costs for auto insurance coverage in Cordele, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Cordele residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly 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, however, you may see your rates start to rise again in Cordele.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Cordele goes against the grain. Female drivers typically pay around $8 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Cordele, having a single accident on your record will usually get you rates around $108 a month. In addition, drivers with one ticket can expect to pay around $73 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$66|
The cheapest vehicles to insure in Cordele are usually trucks and vans, with each type typically costing about $59 per month.
Car owners can expect to pay an average of around $69 a month for their policy, while SUVs usually cost around $66 a month to insure.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Cordele, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Cordele, the difference in rates based on relationship status can be as much as $6 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. In Cordele, homeowners can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Cordele, GA
Recent trends in car insurance for Cordele 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 policy.
The cost of car insurance in Cordele increased from 2020-2021, before leveling out in 2022. Rates finished down in 2022, at $60 per month
How does Cordele compare to neighboring areas?
Why are car insurance rates in Cordele different from other areas?
Car insurance companies will take into account numerous factors when they're choosing 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 and drive. These include things like:
- Off-street parking accessibility
- Regional laws
- Number of car accidents
- Total number of drivers in the area
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. 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 Cordele?
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.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Cordele.
Cordele Insurance FAQs
What factors affect car insurance quotes in Cordele?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Cordele different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Cordele?
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 Cordele?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.