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How much is car insurance in Eatonton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $32 a month cheaper to insure your vehicle in Eatonton than it is in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Eatonton is rather affordable. On average, it's about $7 less to insure your vehicle in Eatonton than it is in the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Eatonton 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 Code below and find out!
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Eatonton 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 turn into some real savings when it comes to car 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. As you get closer to retirement age, however, you may see your rates rise again in Eatonton.
Eatonton Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Eatonton is around $4 per month. Based on the chart above, you can see that male drivers pay $75 on average, while female drivers typically pay $71 each month.
Eatonton 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. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Eatonton, drivers with one accident on their record will experience rates around $92 a month. Likewise, drivers with one ticket will be looking at a rate of around $95 a month on average.
Eatonton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$73|
The most affordable vehicles to insure in Eatonton are typically cars, which run about $72 per month.
SUV owners can expect to pay an average of around $74 a month for their policy, while truck and van drivers are usually around $73 to insure each month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in Eatonton are vehicles six-to-seven years old.
Eatonton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
More often than not, people who are married 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.
The difference in rates based on relationship status in Eatonton can be as much as $15 a month, so it's worth keeping that in mind.
Eatonton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than those who own their own home in Eatonton. But those who live at home with their parents can expect to pay significantly 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 Eatonton, GA
Recent trends in car insurance for Eatonton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Eatonton, the rates for auto insurance rose from 2017-2018, when they hit a high of $89, but started to turn downward from 2019-2020. They finished down in 2022, at $62.
How does Eatonton compare to neighboring areas?
Why are car insurance rates in Eatonton different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Total number of drivers in the region
- Crime levels
- Availability of off-street parking
- Local laws
- Road safety
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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?
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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Eatonton.
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Eatonton Auto Insurance FAQs
What factors affect car insurance quotes in Eatonton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Eatonton different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 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 Eatonton?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Eatonton 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?
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