Table of contents
How much is car insurance in Elberton?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Elberton is about $31 cheaper than it is in the rest of Georgia.
Similarly, car insurance rates in Elberton are more affordable than the national average. Auto insurance coverage in Elberton is about $6 cheaper than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Elberton, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Elberton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, 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, right? 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 someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Elberton.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Elberton is only about $3 a month.
Average 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. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Elberton with a single accident will pay around $98 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $98.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$62|
|15 Years or Older||$71|
In Elberton, the cheapest vehicles to insure are typically SUVs, with drivers paying around $68 per month for auto insurance.
Truck and van drivers will see rates of about $71 for car insurance, while car owners by and large pay around $79 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Elberton are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Elberton are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your living situation. Renters can expect to pay around $3 a month less than homeowners in Elberton. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Elberton, GA
Recent trends in car insurance for Elberton drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Elberton, the rates for auto insurance increased from 2017-2018, when they reached a high of $81, but began to decrease from 2019-2020. They finished down in 2022, at $56.
How does Elberton compare to neighboring areas?
Why are car insurance rates in Elberton 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:
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Total amount of drivers in the community
- Community laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Elberton?
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.
But hold on! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Elberton in no time.
Elberton Insurance FAQs
What factors affect car insurance quotes in Elberton?
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 Elberton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Elberton?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Elberton?
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?
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 Elberton 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.