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How much is car insurance in Dacula?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $24 a month more expensive to insure your vehicle in Dacula than it is in the rest of Georgia.
Similarly, drivers in Dacula may pay higher rates than the rest of the country. It's around $48 more expensive for coverage in Dacula than the average rates seen in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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 Dacula residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Dacula drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Dacula, this difference shakes out to about $11 a month. Based on the chart above, you can see that female drivers pay around $122 on average, while male drivers typically pay $133 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Dacula, a driving record with one accident will usually get you a rate around $148 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $216.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$133|
|15 Years or Older||$129|
The most affordable vehicles to insure in Dacula are by and large SUVs, which run about $118 per month.
Truck and van drivers will see rates of about $119 for auto insurance coverage, while car owners typically pay around $132 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Dacula, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$141|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Dacula, the difference in rates based on relationship status can be as much as $52 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$175|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $24 a month more than those who own their own home in Dacula. But if you live with your parents, your rates will be significantly higher.
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 Dacula, GA
Recent trends in car insurance for Dacula drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Car insurance rates in Dacula declined from 2016-2017, when they reached a low of $116. This trend leveled out in 2020, when they began to increase, and have continued on that path through the present, where insurance rates finished at $156 a month.
How does Dacula compare to neighboring areas?
Why are car insurance rates in Dacula different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking availability
- Area regulations
- Frequency of car accidents
- Amount of drivers in the region
- Regional crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Dacula?
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.
Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Dacula.
Dacula Insurance FAQs
What factors affect car insurance quotes in Dacula?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Dacula different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Dacula?
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 Dacula?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dacula or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?