Table of contents
How much is car insurance in Dalton?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Dalton | $73 |
| GA | $104 |
| United States | $80 |
As you can see in the chart above, it is around $31 a month cheaper to insure your vehicle in Dalton than it is in the rest of Georgia.
Drivers relocating from out of state may enjoy some cost savings in Dalton. The average monthly payment in Dalton is about $7 less than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Dalton, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 rate for Dalton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $119 |
| 25-34 | $71 |
| 35-44 | $63 |
| 45-54 | $62 |
| 55-64 | $51 |
| 65+ | $75 |
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Dalton.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $76 |
| Female | $71 |
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Dalton totals about $5 a month. As you can see in the table above, male drivers in the area typically pay $76 on average, while female drivers typically pay $71 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $100 |
| Multiple Accidents | $132 |
| 1 Ticket | $103 |
| Multiple Tickets | $113 |
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Dalton with a single accident on their record will usually see rates around $100 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $103.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $95 |
| 2-3 Years | $102 |
| 4-5 Years | $73 |
| 6-7 Years | $79 |
| 8-10 Years | $70 |
| 11-14 Years | $74 |
| 15 Years or Older | $71 |
In Dalton, the cheapest vehicles to insure are typically SUVs, with drivers paying around $68 per month for auto insurance.
Car owners, on the other hand, usually pay around $76 per month, while truck and van drivers can expect to pay about $69 a month to insure their vehicle.
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, once your car is a few years old, you may start to see your monthly premium decrease. In Dalton, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $80 |
| Married | $59 |
| Divorced | $64 |
| Widowed | $65 |
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Dalton can be as much as $21 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $63 |
| Rent | $73 |
| Live with parents | $112 |
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Dalton can expect to pay around $10 a month less than those who rent. 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 Dalton, GA
Recent trends in car insurance for Dalton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Dalton, car insurance rates increased from 2016-2018, before leveling out in 2019. Car insurance rates finished down in 2021, at $70 per month
How does Dalton compare to neighboring areas?
Why are car insurance rates in Dalton different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking access
- Number of drivers in the region
- Regional crime rates
- Road safety
- Regional regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Dalton?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Dalton.
Dalton 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?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Dalton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Dalton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.