Dawsonville, GA Car Insurance

On average, drivers in Dawsonville pay around $87 per month for their car insurance. To learn more about car insurance rates in the Dawsonville area, read our guide below.
What rates can residents of Dawsonville expect to pay for their car insurance? Are rates in Dawsonville higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Dawsonville?

Area Average Monthly Car Insurance Premium
Dawsonville$87
GA$106
United States$81

According to the chart above, the average cost of auto insurance in Georgia is about $19 a month more expensive than it is in Dawsonville.

On the other hand, drivers in Dawsonville may pay higher rates than the rest of the country. The cost of insuring a vehicle in Dawsonville is about $6 more expensive than the average rate 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 an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've analyzed the average rate for Dawsonville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$146
25-34$88
35-44$75
45-54Not Enough Data
55-64$61
65+$69

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Dawsonville.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$82

Female drivers pay, on average, slightly less than their male counterparts. In Dawsonville, the difference comes out to about $12 per month. As you can see in the table above, female drivers in the area typically pay $82 on average, while female drivers typically pay $94 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$189
1 Ticket$121
Multiple Tickets$155

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Dawsonville, having a single accident on your record will usually get you rates around $107 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $121.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$124
4-5 Years$96
6-7 Years$97
8-10 Years$80
11-14 Years$96
15 Years or Older$83

As you can see in the first table above, the cheapest vehicles to insure in Dawsonville are usually SUVs, which run about $82 per month.

Truck and van drivers will see rates of about $94, while the rates for car owners average out to about $87 a month.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Dawsonville are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$95
Married$73
Divorced$73
Widowed$72

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

The difference in rates based on relationship status in Dawsonville is about $22 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$76
Rent$86
Live with parents$119

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Dawsonville. But if you live with your parents, your rates will be significantly higher.

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 Dawsonville, GA

Recent trends in car insurance for Dawsonville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Dawsonville, the rates for auto insurance increased from 2017-2018, before declining from 2019-2020. They finished down in 2022, at $65.

How does Dawsonville compare to neighboring areas?

Why are car insurance rates in Dawsonville different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Crime
  • Total number of drivers in the community
  • Community laws
  • Road safety
  • Availability of off-street parking

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. With the knowledge 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 Dawsonville?

While getting familiar with 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 below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Dawsonville.

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Dawsonville Insurance FAQs

What factors affect car insurance quotes in Dawsonville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Dawsonville 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Dawsonville?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Dawsonville?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Dawsonville 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.

Find your best rate in just a few minutes