Douglas, GA Car Insurance

On average, Douglas drivers pay a monthly average rate of around $78 for their car insurance. Learn more in our handy guide below.
What rates should residents of Douglas expect to pay for their car insurance? Are rates in Douglas higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Douglas?

Area Average Monthly Car Insurance Premium
Douglas$78
GA$106
United States$81

Auto insurance coverage in Douglas is about $28 cheaper than it is in the rest of Georgia.

Compared to the rest of the country, auto insurance in Douglas is more affordable. It's about $3 cheaper to insure your vehicle in Douglas compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Douglas, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

Don't worry, we've done the work for you and broken down the average rates for Douglas to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$153
25-34$76
35-44$59
45-54Not Enough Data
55-64$60
65+$54

It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. 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. That said, once you hit retirement age, your rates may begin to go back up in Douglas.

Average Car Insurance Rates by Gender

Gender Average
Male$97
Female$66

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Douglas is about $31 per month. As you can see in the table above, female drivers in the area typically pay $66 on average, while female drivers typically pay $97 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple Accidents$371
1 Ticket$99
Multiple Tickets$322

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. In Douglas, drivers with one accident on their record will experience rates around $82 a month. In addition, drivers with one ticket can expect to pay around $99 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$82
2-3 Years$58
4-5 Years$68
6-7 Years$145
8-10 Years$76
11-14 Years$70
15 Years or Older$66

According to the first table above, SUVs are usually the cheapest vehicles to insure in Douglas, with drivers paying around $70 per month to insure their vehicle.

Car owners will see rates of about $83, while truck and van owners by and large pay around $71 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Douglas, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$85
Married$58
Divorced$63
Widowed$58

Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

According to the table above, the difference in rates based on relationship status in Douglas can be as much as $27 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$85
Live with parents$79

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $23 a month more than those who own their own home in Douglas. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Douglas, GA

Recent trends in car insurance for Douglas drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Douglas, auto insurance rates went up from 2017-2018, when they hit a high of $76. This changed in 2021, when rates started to turn downward. This pattern has continued through the present, where rates recently reached $51.

How does Douglas compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Local crime rates
  • Off-street parking access
  • Total number of drivers in the region
  • Frequency of car accidents
  • Area laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Douglas?

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.

Don't worry, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Douglas.

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Douglas Insurance FAQs

What factors affect car insurance quotes in Douglas?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Douglas 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 local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

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 Douglas?

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, 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 Douglas 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.

Find your best rate in just a few minutes