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How much is car insurance in Dahlonega?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Dahlonega is about $25 a month cheaper than it is for the rest of Georgia.
When stacked up against the national average, the average monthly policy payment for Dahlonega is more affordable. You can expect to pay about $0 below the national average for auto insurance in Dahlonega.
Although these are the average monthly costs for an auto insurance policy in Dahlonega, 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 for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
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 the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Dahlonega 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 more experience you have as a driver. 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 $65 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Dahlonega.
Dahlonega Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Dahlonega, where male drivers pay about $8 more per month. As you can see in the table above, female drivers in the area typically pay $77 on average, while female drivers typically pay $85 each month.
Dahlonega 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. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Dahlonega, a driving record with a single accident will usually get you a rate around $95 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $89.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Dahlonega Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$87|
|15 Years or Older||$74|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Dahlonega, with drivers paying around $77 per month to insure their vehicle.
Truck and van drivers will see rates of about $82 for auto insurance, while SUV owners usually pay around $77 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Dahlonega, the most expensive vehicles to insure are vehicles four-to-five years old.
Dahlonega Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Dahlonega, the difference in rates based on relationship status can be as much as $13 a month.
Dahlonega Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Dahlonega. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 when selecting an auto insurance policy.
The rates for auto insurance in Dahlonega went up from 2017-2020, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $65.
How does Dahlonega compare to neighboring areas?
Why are car insurance rates in Dahlonega 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. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Number of drivers in the region
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Crime levels
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Dahlonega?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing plans in Dahlonega.
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Dahlonega Auto Insurance FAQs
What factors affect car insurance quotes in Dahlonega?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Dahlonega different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Dahlonega?
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 Dahlonega?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dahlonega or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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