Eatonton, GA Car Insurance

On average, Eatonton drivers pay around $73 a month for their car insurance. For more information refer to our guide below.
What should residents of Eatonton expect to pay for their car insurance? How do rates in Eatonton measure up compared to neighboring areas, including Georgia as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Eatonton?

Area Average Monthly Car Insurance Premium
Eatonton$73
GA$106
United States$81

As you can see in the chart above, it is around $33 a month cheaper to insure your vehicle in Eatonton than it is in the rest of Georgia.

Likewise, car insurance rates in Eatonton are often favorable when viewed against the rest of the country. It's about $8 cheaper to insure your vehicle in Eatonton compared to the average rate for the United States as a whole.

While these numbers are the average rates for auto insurance in Eatonton, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Eatonton to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$114
25-34$73
35-44$66
45-54Not Enough Data
55-64$57
65+$74

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Eatonton.

Average Car Insurance Rates by Gender

Gender Average
Male$76
Female$71

Female drivers pay, on average, slightly less than their male counterparts. In Eatonton, male drivers pay about $5 more per month. Looking at the table above, you can see that female drivers pay around $71 on average, while male drivers typically pay $76 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$222
1 Ticket$98
Multiple Tickets$127

Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Eatonton with a single accident on their record will usually see rates around $92 a month. Likewise, drivers with one ticket will be looking at a rate of around $98 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$75
4-5 Years$88
6-7 Years$93
8-10 Years$67
11-14 Years$71
15 Years or Older$75

According to the first table above, the cheapest vehicles to insure in Eatonton are usually SUVs, trucks, and vans, at $73 per month.

Car owners, however, pay about $74 per month to insure their car.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Eatonton, 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)$78
Married$61
Divorced$71
Widowed$58

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Eatonton can be as much as $17 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$75
Live with parents$90

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in Eatonton. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Eatonton, GA

Recent trends in car insurance for Eatonton drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Eatonton went up from 2017-2018, when they hit a high of $89, but started to turn downward from 2019-2020. They finished down in 2022, at $54 a month.

How does Eatonton compare to neighboring areas?

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

Car insurance companies will take into account several factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Total number of drivers in the community
  • Area crime rates
  • Amount of off-street parking
  • Road safety
  • Laws

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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Eatonton?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Eatonton in no time.

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Eatonton Insurance FAQs

What factors affect car insurance quotes in Eatonton?

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, driving record, marital status, and address.

Why is the cost of car insurance in Eatonton different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Eatonton?

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, 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 Eatonton 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