Ellenwood, GA Car Insurance

Ellenwood drivers pay, on average, around $122 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of Ellenwood expect to pay for their car insurance? Compared to their surrounding area, how do rates in Ellenwood stack up? What about against the rest of Georgia? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Ellenwood?

Area Average Monthly Car Insurance Premium
Ellenwood$122
GA$104
United States$80

Coverage for your vehicle in Ellenwood will typically run you about $18 a month more than in the rest of Georgia.

Similarly, drivers in Ellenwood may pay higher rates than the rest of the country. It's about $42 more for coverage in Ellenwood than in the rest of the U.S.

Although these are the average car insurance rates in Ellenwood, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't sweat it however, we've broken down average rates for Ellenwood residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$228
25-34$127
35-44$107
45-54$86
55-64$86
65+$98

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Ellenwood drivers may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$132
Female$114

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Ellenwood is around $18 a month. As you can see in the chart above, car insurance for women in the area typically costs around $114 each month, while men pay $132 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$200
Multiple Accidents$206
1 Ticket$170
Multiple Tickets$195

Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Ellenwood with one accident will pay around $200 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $170.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$129
2-3 Years$118
4-5 Years$117
6-7 Years$146
8-10 Years$162
11-14 Years$115
15 Years or Older$106

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Ellenwood, with drivers paying around $94 per month for insurance.

SUV drivers will see rates of about $120 for auto insurance, while car owners by and large pay around $126 per month.

Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Ellenwood, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$132
Married$96
Divorced$89
Widowed$94

Generally speaking, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Ellenwood is about $36 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$103
Rent$136
Live with parents$128

One other element taken into consideration is your living situation. Renters can expect to pay around $33 a month more than those who own their own home in Ellenwood. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, 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.

The rates for auto insurance in Ellenwood increased steadily from 2016 through the present, where they reached $247 a month in 2021.

How does Ellenwood compare to neighboring areas?

Why are car insurance rates in Ellenwood different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Prevalence of crime
  • Off-street parking availability
  • Frequency of car accidents
  • Laws
  • Total number of drivers in the region

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Ellenwood?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Ellenwood.

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Ellenwood Insurance FAQs

What factors affect car insurance quotes in Ellenwood?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Ellenwood different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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 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 Ellenwood 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.

Find your best rate in just a few minutes