Table of contents
How much is car insurance in Dalton?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Dalton | $74 |
| GA | $106 |
| United States | $81 |
Car insurance coverage in Dalton is about $32 cheaper than it is in the rest of Georgia.
When stacked up against the national average, the average monthly policy payment for Dalton is more affordable. You can expect to pay about $7 below the national average for auto insurance in Dalton.
These may be the average auto insurance rates for Dalton, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Dalton and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $126 |
| 25-34 | $73 |
| 35-44 | $65 |
| 45-54 | Not Enough Data |
| 55-64 | $52 |
| 65+ | $75 |
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Dalton.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $77 |
| Female | $72 |
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Dalton is about $5 per month. Based on the chart above, you can see that male drivers pay $77 on average, while female drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $101 |
| Multiple Accidents | $159 |
| 1 Ticket | $85 |
| Multiple Tickets | $116 |
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Dalton with a single accident will pay around $101 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $112 |
| 2-3 Years | $96 |
| 4-5 Years | $94 |
| 6-7 Years | $78 |
| 8-10 Years | $72 |
| 11-14 Years | $75 |
| 15 Years or Older | $71 |
In terms of affordable coverage, the cheapest vehicles to insure in Dalton are by and large SUVs, trucks, and vans, at $69 per month.
Car owners, meanwhile, pay on average $78 a month for insurance coverage.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Dalton are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $80 |
| Married | $61 |
| Divorced | $62 |
| Widowed | $65 |
Generally speaking, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Dalton is about $19 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $64 |
| Rent | $76 |
| Live with parents | $105 |
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Dalton. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Dalton, GA
Recent trends in car insurance for Dalton 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.
The rates for car insurance in Dalton increased from 2017-2018, before steadying out in 2019. Policy premiums rose again, hitting a high of $83 in 2021, and finished down at $61 in 2022.
How does Dalton compare to neighboring areas?
Why are car insurance rates in Dalton different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of car accidents
- Total amount of drivers in the community
- Community regulations
- Prevalence of crime
- Off-street parking access
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Dalton?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Dalton in no time.
Dalton Insurance FAQs
What factors affect car insurance quotes in Dalton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Dalton different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, 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 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Dalton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?