Table of contents
How much is car insurance in Eatonton?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $29 a month more expensive than it is in Eatonton.
When stacked up against the national average, the average monthly policy payment for Eatonton is more affordable. You can expect to pay about $5 below the national average for auto insurance in Eatonton.
Although these are the average monthly costs for an auto insurance policy in Eatonton, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 analyzed the average rate for Eatonton and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Eatonton.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Eatonton, where male drivers pay about $12 more per month. As illustrated in the table above, male drivers in the area pay about $82 on average, while female drivers pay around $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. In Eatonton, a driving record with one accident will usually get you a rate around $91 a month. Similarly, drivers with one ticket will typically pay around $91 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$76|
In terms of affordable coverage, the cheapest vehicles to insure in Eatonton are usually cars, at $74 per month.
SUV owners will see rates of about $75, while truck and van owners by and large pay around $79 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 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)||$80|
Overall, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Eatonton is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
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 $10 a month more than if you own your own home 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
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.
The rates for auto insurance in Eatonton increased from 2016-2018, when they hit a high of $89. This pattern changed in 2019, when they began to decrease, and have continued to do so through 2021, when insurance rates reached a low of $59 per month.
How does Eatonton compare to neighboring areas?
Why are car insurance rates in Eatonton different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Area crime rates
- Off-street parking availability
- Road Safety (total number of local car accidents)
- Regional regulations
- Amount of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Eatonton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Eatonton.
Eatonton Insurance FAQs
What factors affect car insurance quotes in Eatonton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Eatonton different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Eatonton?
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 Eatonton?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Eatonton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.