Table of contents
How much is car insurance in Dacula?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Dacula are about $24 a month more expensive than the rest of Georgia.
Likewise, Dacula residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment in Dacula is about $49 more expensive than the rate for the rest of the U.S.
These may be the average auto insurance rates for Dacula, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down average rates for Dacula to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Dacula may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Dacula is about $13 per month. As you can see in the table above, male drivers in the area typically pay $136 on average, while female drivers typically pay $123 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 who avoid accidents and tickets will pay lower rates than those with infractions. In Dacula, having a single accident on your record will usually get you rates around $147 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $166.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$151|
|15 Years or Older||$124|
The cheapest vehicles to insure in Dacula are usually SUVs, with each type typically costing about $115 per month.
Car owners can expect to pay an average of around $137 a month for their policy, while truck and van drivers are usually around $119 to insure each month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Dacula are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$142|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Dacula reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $52 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$164|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $29 a month more than homeowners in Dacula. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Dacula, GA
Recent trends in car insurance for Dacula drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Dacula rose from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $76 a month.
How does Dacula compare to neighboring areas?
Why are car insurance rates in Dacula different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Total amount of drivers in the community
- Regional laws
- Number of car accidents
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Dacula?
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.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Dacula different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Dacula?
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 Dacula?
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. 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?