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How much is car insurance in Dahlonega?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $18 a month cheaper to insure your vehicle in Dahlonega than it is in the rest of Georgia.
On the flip side, drivers in Dahlonega may pay higher rates than the rest of the country. It's about $6 more expensive for coverage in Dahlonega than the average rates for the U.S. as a whole.
These may be the average auto insurance rates for Dahlonega, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Dahlonega residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Dahlonega.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Dahlonega, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay a lot less than those with infractions. In Dahlonega, having a single accident on your record will usually get you rates around $109 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $174 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||Not Enough Data|
|15 Years or Older||$80|
As you can see in the first table above, the cheapest vehicles to insure in Dahlonega are by and large cars, trucks, and vans, which run about $86 per month.
The monthly premium for SUV owners, however, is about $87 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are 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 decrease. The most expensive vehicles to insure in Dahlonega are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Overall, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
In Dahlonega, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
Another factor that comes into play is your living situation. If you rent your home or apartment in Dahlonega, expect to pay around $12 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot 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 Dahlonega, GA
Recent trends in car insurance for Dahlonega drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Dahlonega, car insurance rates went up steadily from 2016-2020. They finished down in 2021, at $60.
How does Dahlonega compare to neighboring areas?
Why are car insurance rates in Dahlonega different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Total number of drivers
- Number of car accidents
- Regional laws
- Crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Dahlonega?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Dahlonega.
Dahlonega Insurance FAQs
What factors affect car insurance quotes in Dahlonega?
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 Dahlonega 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Dahlonega?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Dahlonega?
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 Dahlonega or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?