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How much is car insurance in Dahlonega?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Dahlonega are about $25 a month cheaper than in the rest of Georgia.
Compared to the national average cost of auto insurance coverage, Dahlonega has lower rates. It's around $0 less to insure your vehicle compared to the average rate for the U.S. as a whole.
These rates may be the average amount Dahlonega drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rates for Dahlonega residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $66 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Dahlonega drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Dahlonega, male drivers pay about $8 more a month. Based on the chart above, you can see that male drivers pay $86 on average, while female drivers typically pay $78 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest 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. Drivers in Dahlonega with one accident will pay around $102 a month. Similarly, drivers with one ticket will typically pay around $96 on average.
When it comes to your monthly premium, 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||$87|
|15 Years or Older||$74|
The cheapest vehicles to insure in Dahlonega are typically SUVs, with each type typically costing about $77 per month.
SUV owners, on the other hand, by and large pay around $77 per month, while truck and van drivers can expect to pay about $83 a month for car insurance.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Dahlonega, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Generally, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The cost of auto insurance in Dahlonega reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Dahlonega. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Dahlonega, GA
Recent trends in car insurance for Dahlonega drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Dahlonega rose from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $63.
How does Dahlonega compare to neighboring areas?
Why are car insurance rates in Dahlonega different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of car accidents
- Off-street parking access
- Prevalence of crime
- Local laws
- Number of drivers in the area
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Dahlonega?
Arming 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 can handle all of this for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Dahlonega.
Dahlonega Insurance FAQs
What factors affect car insurance quotes in Dahlonega?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Dahlonega 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 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?
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 Dahlonega 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.