Table of contents
How much is car insurance in Eastman?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Eastman is about $32 cheaper than it is in the rest of Georgia.
Compared to the rest of the country, auto insurance in Eastman is more affordable. It's about $7 cheaper to insure your vehicle in Eastman compared to the average rate for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Eastman, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down average rates for Eastman residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $69 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may climb back up in Eastman.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Eastman, the difference comes out to about $9 a month. As you can see in the table above, male drivers in the area typically pay $80 on average, while female drivers typically pay $71 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay significantly less than those with infractions. The rate for drivers in Eastman with a single accident on their record is about $105 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $104.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$72|
According to the first table above, the cheapest vehicles to insure in Eastman are by and large SUVs, trucks, and vans, at $63 per month.
Car owners, meanwhile, pay on average $79 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Eastman, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
Overall, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The cost of auto insurance in Eastman reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $6 a month more than drivers who own property in Eastman. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Eastman, GA
Recent trends in car insurance for Eastman drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Eastman had been increasing from 2017-2018, when they reached a high of $97. This trend changed in 2021, when they began to decrease, and have continued on that path through 2022, when rates hit a low of $51 a month.
How does Eastman compare to neighboring areas?
Why are car insurance rates in Eastman different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers
- Local regulations
- Road Safety (total number of local car accidents)
- Area crime rates
- Off-street parking accessibility
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. 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 Eastman?
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.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Eastman.
Eastman Insurance FAQs
What factors affect car insurance quotes in Eastman?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Eastman different from other neighboring cities?
Parking situations, local laws, 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 Eastman?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Eastman?
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?
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 Eastman or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?