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How much is car insurance in Ellenwood?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $23 a month more expensive to insure your vehicle in Ellenwood than it is in the rest of Georgia.
If you're considering relocating to Ellenwood from out of state, you may want to budget a little extra for your insurance. It's around $48 more expensive for coverage in Ellenwood than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Ellenwood, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Ellenwood to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Ellenwood Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $140 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up in Ellenwood.
Ellenwood Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Ellenwood, this difference shakes out to about $18 a month. Based on the chart above, you can see that female drivers pay around $120 on average, while male drivers typically pay $138 each month.
Ellenwood 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 a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Ellenwood with a single accident on their record is about $196 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $158.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Ellenwood Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$159|
|15 Years or Older||$106|
In Ellenwood, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $95 per month for auto insurance.
Car owners can expect to pay an average of around $135 a month for their policy, while SUVs usually cost around $123 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Ellenwood, vehicles four-to-five years old are the most expensive to insure.
Ellenwood Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$139|
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Ellenwood, with married couples paying about $44 less per month.
Ellenwood Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $37 a month more than homeowners in Ellenwood. Those who live with their parents, however, can expect to pay a lot more.
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 Ellenwood, GA
Recent trends in car insurance for Ellenwood drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Ellenwood, the rates for auto insurance rose steadily from 2017-2021. They finished down in 2022, at $102.
How does Ellenwood compare to neighboring areas?
Why are car insurance rates in Ellenwood different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Crime rates
- Off-street parking availability
- General road safety (how many accidents each locality has)
- Total number of drivers in the area
- Area regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Ellenwood?
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.
Good news! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Ellenwood in no time.
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Ellenwood Auto Insurance FAQs
What factors affect car insurance quotes in Ellenwood?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Ellenwood different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Ellenwood?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ellenwood?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Ellenwood 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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