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How much is car insurance in Elberton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Elberton typically costs about $29 a month less than it does in the rest of Georgia.
Drivers relocating from out of state may enjoy some cost savings in Elberton. On average, it's about $4 less to insure your vehicle in Elberton than it is in the rest of the United States.
Keep in mind that while these are the average car insurance rates for Elberton, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Elberton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Elberton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 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. You may see your rates climb back up a bit once you hit retirement age in Elberton.
Elberton Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Elberton, this difference shakes out to about $8 per month. Looking at the table above, you can see that female drivers pay around $73 on average, while male drivers typically pay $81 each month.
Elberton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Elberton, a driving record with a single accident will usually get you a rate around $98 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $99.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Elberton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$71|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Elberton, with drivers paying around $67 per month for auto insurance coverage.
Car owners can expect to pay an average of around $80 a month for their policy, while truck and van drivers are usually around $71 to insure each month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Elberton, the most expensive vehicles to insure are vehicles four-to-five years old.
Elberton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less for auto insurance than single drivers, Elberton bucks this trend as both groups pay around the same rate for coverage.
Elberton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than those who own their own home in Elberton. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Elberton, GA
Recent trends in car insurance for Elberton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The rates for auto insurance in Elberton increased from 2017-2018, when they hit a high of $81, but started to turn downward from 2019-2020. They finished down in 2022, at $69 a month.
How does Elberton compare to neighboring areas?
Why are car insurance rates in Elberton different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total amount of drivers in the area
- Off-street parking accessibility
- Road safety
- Community regulations
- Rate of crime
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Elberton.
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Elberton Auto 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 like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Elberton 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 Elberton?
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 Elberton?
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 Elberton 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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