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How much is car insurance in Dalton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $32 a month cheaper to insure your vehicle in Dalton than it is in the rest of Georgia.
Similarly, car insurance rates in Dalton are often favorable when viewed against the rest of the country. Auto insurance coverage in Dalton is about $7 cheaper than it is for 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 in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Dalton residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Dalton 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. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may rise again in Dalton.
Dalton Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Dalton is around $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $71 each month, while men pay $77 on average.
Dalton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Dalton, a driving record with a single accident will usually get you a rate around $103 a month. Similarly, drivers with one ticket will typically pay around $87 on average.
Dalton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$112|
|15 Years or Older||$70|
According to the first table above, SUVs, trucks, and vans are usually the cheapest vehicles to insure in Dalton, with drivers paying around $68 per month for insurance coverage.
The rate for car owners, however, is about $77 per month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Dalton are vehicles less than one year old.
Dalton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
On average, people who are 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 extend special discounts for.
The cost of auto insurance in Dalton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Dalton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Dalton. 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 Dalton, GA
Recent trends in car insurance for Dalton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Dalton, the rates for auto insurance increased from 2017-2018, before leveling out in 2019. Rates had been increasing again, reaching a high of $83 in 2021, and finished down at $60 in 2022.
How does Dalton compare to neighboring areas?
Why are car insurance rates in Dalton different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Road Safety (frequency of local car accidents)
- Number of drivers
- Area regulations
- Access to off-street parking
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Dalton?
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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Dalton.
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Dalton Auto Insurance FAQs
What factors affect car insurance quotes in Dalton?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Dalton 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, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Dalton?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Dalton?
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?
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 Dalton 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.
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