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How much is car insurance in Dawsonville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $18 a month more expensive than it is in Dawsonville.
Compared to the national average cost of auto coverage, Dawsonville has higher rates. Coverage in Dawsonville is about $7 more expensive than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Dawsonville, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill 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 what it might cost to insure your vehicle. 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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Dawsonville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $79 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may start to rise again in Dawsonville.
Dawsonville Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Dawsonville, where women pay around $13 less per month. Looking at the table above, you can see that female drivers pay around $82 on average, while male drivers typically pay $95 each month.
Dawsonville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Dawsonville with one accident will pay around $108 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $125.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Dawsonville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$84|
In Dawsonville, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $82 per month for insurance coverage.
Truck and van drivers will see rates of about $95, while the rates for car owners average out to about $88 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Dawsonville, the most expensive vehicles to insure are vehicles two-to -three years old.
Dawsonville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
On average, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Dawsonville follows that pattern, with the difference totaling to around $24 a month.
Dawsonville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Dawsonville 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 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 Dawsonville, GA
Recent trends in car insurance for Dawsonville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for car insurance in Dawsonville had been increasing from 2017-2018, before trending downward from 2019-2020. They finished down in 2022 at $74 per month.
How does Dawsonville compare to neighboring areas?
Why are car insurance rates in Dawsonville different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. 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:
- Area laws
- Rate of crime
- Off-street parking availability
- Frequency of car accidents
- Total number of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Dawsonville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Dawsonville.
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Dawsonville Auto Insurance FAQs
What factors affect car insurance quotes in Dawsonville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Dawsonville different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Dawsonville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dawsonville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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