Dawsonville, GA Car Insurance

Drivers in Dawsonville pay, on average, $89 a month for their car insurance. To learn more about policy rates and coverage in the Dawsonville area, continue reading our guide below.
How do rates in Dawsonville measure up compared to neighboring areas, including Georgia as a whole? What should residents of Dawsonville expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Dawsonville?

Area Average Monthly Car Insurance Premium
Dawsonville$89
GA$104
United States$80

Based on the above chart, auto insurance policies in Dawsonville are about $15 a month cheaper than in the rest of Georgia.

Conversely, Dawsonville residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $9 more for your policy in Dawsonville.

Bear in mind that while these rates represent the expected monthly payments for Dawsonville residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.

Don't sweat it however, we've broken down average rates for Dawsonville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$145
25-34$89
35-44$79
45-54$63
55-64$60
65+$71

Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up a bit in Dawsonville.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$85

Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Dawsonville totals about $10 a month. As illustrated in the table above, female drivers in the area pay about $85 on average, while male drivers pay around $95 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$197
1 Ticket$151
Multiple Tickets$165

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Dawsonville, a driving record with one accident will usually get you a rate around $107 a month. In addition, drivers with one ticket can expect to pay around $151 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$91
8-10 Years$81
11-14 Years$98
15 Years or Older$86

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Dawsonville, with drivers paying around $86 per month for insurance coverage.

Car owners will see rates of about $88, while truck and van owners usually pay around $101 per month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 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)$100
Married$74
Divorced$73
Widowed$73

On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Dawsonville is about $26 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$74
Rent$90
Live with parents$122

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $16 a month more than those who own their own home in Dawsonville. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Dawsonville, GA

Recent trends in car insurance for Dawsonville drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The rates for car insurance in Dawsonville had been decreasing from 2016-2017, and again, from 2019-2020. Insurance rates finished up in 2021, at $89 a month.

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. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Road Safety (how many accidents each locality has)
  • Amount of off-street parking
  • Local laws
  • Amount of drivers in the region
  • Prevalence of crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Dawsonville?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Dawsonville.

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Dawsonville Insurance FAQs

What factors affect car insurance quotes in Dawsonville?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Dawsonville different from other neighboring cities?

Things like local laws, parking situations, and crime rates, 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 Dawsonville?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

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 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