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How much is car insurance in Eastman?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Eastman is about $32 a month cheaper than it is for the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Eastman are below the national average. The average monthly payment in Eastman is about $7 cheaper than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Eastman, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Eastman so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Eastman Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. 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 your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may creep back up in Eastman.
Eastman Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Eastman, the difference is around $7 a month. Based on the chart above, you can see that female drivers pay around $71 on average, while male drivers typically pay $78 each month.
Eastman Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Eastman, drivers with one accident on their record will experience rates around $102 a month. In addition, drivers with a single ticket on their record can expect to pay around $101 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Eastman Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$71|
According to the first table above, the cheapest vehicles to insure in Eastman are by and large trucks and vans, at $62 per month.
Car owners will see a monthly premium of about $79, while SUV owners typically pay around $64 per month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Eastman are vehicles eight-to-ten years old.
Eastman Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Eastman is no exception, with the difference totaling to around $26 a month.
Eastman Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Eastman. But if you live with your parents, you 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 Eastman, GA
Recent trends in car insurance for Eastman drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Auto insurance rates in Eastman rose 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 the present, when insurance rates hit a low of $55 a month.
How does Eastman compare to neighboring areas?
Why are car insurance rates in Eastman different from other areas?
Car insurance companies will take into account many factors when 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 call home. These include things like:
- Area regulations
- Number of drivers in the area
- General road safety (how many accidents each locality has)
- Off-street parking availability
- Rate of crime
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. 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 Eastman?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Eastman.
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Eastman Auto Insurance FAQs
What factors affect car insurance quotes in Eastman?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Eastman 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, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Eastman?
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 Eastman?
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 Eastman 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.
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