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How much is car insurance in Douglasville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Douglasville than it is in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Douglasville are above the national average. It's around $27 more expensive to insure your vehicle in Douglasville compared to the average rate for the rest of the U.S.
These may be the average auto insurance rates for Douglasville, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Douglasville 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 certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to increase again in Douglasville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Douglasville, where women pay around $8 less per month than men. As you can see in the table above, male drivers in the area typically pay $112 on average, while female drivers typically pay $104 each month.
Average 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 with clean records will pay much lower rates than those with accidents or violations. In Douglasville, a driving record with a single accident will usually get you a rate around $134 a month. In addition, drivers with one ticket can expect to pay around $149 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$106|
|15 Years or Older||$103|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Douglasville, with drivers paying around $96 per month for insurance coverage.
Car owners can expect to pay an average of around $110 a month for their policy, while SUVs usually cost around $105 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Douglasville, for example, 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)||$115|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Douglasville, the difference in rates based on relationship status can be as much as $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $12 a month more than drivers who own property in Douglasville. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Douglasville, GA
Recent trends in car insurance for Douglasville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area when choosing your car insurance policy.
In Douglasville, auto insurance rates went up steadily from 2016-2020. They finished down in 2021, at $122.
How does Douglasville compare to neighboring areas?
Why are car insurance rates in Douglasville different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Access to off-street parking
- Regional regulations
- Total amount of drivers in the community
- Local crime rates
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Douglasville?
Equipping 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.
But hold on! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Douglasville in no time.
Douglasville Insurance FAQs
What factors affect car insurance quotes in Douglasville?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Douglasville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Douglasville?
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 Douglasville?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Douglasville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?