Cumming, GA Car Insurance

On average, drivers in Cumming pay around $99 per month for their car insurance. We cover plan rates, policies and more in our guide below.
What can Cumming residents expect to pay for their car insurance? How does Cumming 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 Cumming?

Area Average Monthly Car Insurance Premium
Cumming$99
GA$103
United States$80

Compared to the rest of the Georgia, coverage in Cumming is about $4 a month cheaper.

Conversely, Cumming residents should prepare to pay higher rates for coverage than the rest of the country. It's about $19 more expensive for coverage in Cumming than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for Cumming, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.

We've done the heavy lifting for you and broken down the average rate for Cumming so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$278
18-24$163
25-34$85
35-44$77
45-54$78
55-64$76
65+$76

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Cumming.

Average Car Insurance Rates by Gender

Gender Average
Male$107
Female$91

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Cumming, where women pay around $16 less per month than men. As you can see in the table above, female drivers in the area typically pay $91 on average, while female drivers typically pay $107 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$182
1 Ticket$124
Multiple Tickets$161

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Cumming with a single accident will pay around $124 a month. Likewise, drivers with one ticket will be looking at a rate of around $160 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$121
2-3 Years$84
4-5 Years$84
6-7 Years$101
8-10 Years$95
11-14 Years$101
15 Years or Older$100

According to the first table above, SUVs are typically the cheapest vehicles to insure in Cumming, with drivers paying around $96 per month for insurance coverage.

Cars, trucks, and vans, however, all cost about the same for insurance coverage -- around $100 a month.

The age of your vehicle has an impact on the cost of your policy as well. Overall, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Cumming, for example, are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$109
Married$80
Divorced$79
Widowed$83

Overall, people who are married 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.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Cumming is no exception, with the difference totaling to around $29 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$86
Rent$100
Live with parents$134

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Cumming, expect to pay around $14 a month more than if you are a homeowner. 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 Cumming, GA

Recent trends in car insurance for Cumming drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing your car insurance policy.

In Cumming, the rates for car insurance had been increasing steadily from 2016 through the present, where they reached $130 per month in 2021.

How does Cumming compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Community regulations
  • Total drivers
  • Availability of off-street parking
  • Crime
  • Road safety

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cumming?

Equipping 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. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Cumming.

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Cumming Insurance FAQs

What factors affect car insurance quotes in Cumming?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Cumming different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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

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 Cumming?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.

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