Cumming, GA Car Insurance

The average monthly cost for car insurance in Cumming is about $101. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Cumming expect to pay for their car insurance? How do rates in Cumming measure up compared to neighboring areas, including Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Cumming?

Area Average Monthly Car Insurance Premium
Cumming$101
GA$106
United States$81

Car insurance coverage in Cumming is about $5 cheaper than it is in the rest of Georgia.

The average cost of insuring your vehicle in Cumming is above the national rate. You can expect to pay about $20 more for your policy in Cumming.

While these are the average monthly costs for auto insurance coverage in Cumming, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Cumming residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$278
18-24$174
25-34$90
35-44$78
45-54$79
55-64$72
65+$74

Generally, the older you are, the more experienced you are on the roads. 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 $100 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up in Cumming.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$93

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Cumming is around $15 a month. As illustrated in the table above, male drivers in the area pay about $108 on average, while female drivers pay around $93 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$126
Multiple Accidents$214
1 Ticket$134
Multiple Tickets$131

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Cumming with a single accident on their record will usually see rates around $126 a month. In addition, drivers with a single ticket on their record can expect to pay around $134 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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

Vehicle Age Average Monthly Premium
Less Than 1 Year$156
2-3 Years$84
4-5 Years$86
6-7 Years$100
8-10 Years$95
11-14 Years$100
15 Years or Older$102

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Cumming, with drivers paying around $97 per month for auto insurance coverage.

SUV owners will see rates of about $97, while truck and van owners typically pay around $107 per month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Cumming are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$111
Married$81
Divorced$77
Widowed$80

More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Cumming follows that pattern, with the difference totaling to around $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$87
Rent$104
Live with parents$138

Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Cumming can expect to pay around $17 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Cumming, GA

Recent trends in car insurance for Cumming drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of auto insurance coverage in Cumming increased steadily from 2017-2021. It finished down in 2022, at $72.

How does Cumming compare to neighboring areas?

Why are car insurance rates in Cumming different from other areas?

Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Crime levels
  • Off-street parking access
  • Number of drivers
  • Number of car accidents
  • Area laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Cumming?

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 can handle all of this for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing plans in Cumming.

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Cumming Insurance FAQs

What factors affect car insurance quotes in Cumming?

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 Cumming 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 Cumming?

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 Cumming?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Cumming or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes