Ellenwood, GA Car Insurance

Drivers in Ellenwood pay, on average, $129 a month for their car insurance. To learn more about what you're likely to pay in the Ellenwood area, read our guide below.
How do rates in Ellenwood measure up compared to neighboring areas, including Georgia as a whole? What can Ellenwood residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Ellenwood?

Area Average Monthly Car Insurance Premium
Ellenwood$129
GA$106
United States$81

As you can see, car insurance policies across the rest of Georgia are about $23 a month cheaper than the rates drivers pay in Ellenwood.

Likewise, the expected monthly payments for an auto insurance policy in Ellenwood are above the national average. It's about $48 more expensive for coverage in Ellenwood than the average rates for the U.S. as a whole.

While these numbers represent the average monthly payments for coverage in Ellenwood, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Ellenwood and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$239
25-34$138
35-44$112
45-54Not Enough Data
55-64$86
65+$99

The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Ellenwood.

Average Car Insurance Rates by Gender

Gender Average
Male$140
Female$120

In general, female drivers pay less for car insurance than their male counterparts. This rings true in Ellenwood, where women pay around $20 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $120 each month, while men pay $140 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$197
Multiple Accidents$227
1 Ticket$159
Multiple Tickets$165

Your rates can change quite drastically 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. The rate for drivers in Ellenwood with a single accident on their record is about $197 a month. Similarly, drivers with one ticket will typically pay around $159 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$160
2-3 Years$122
4-5 Years$162
6-7 Years$157
8-10 Years$162
11-14 Years$122
15 Years or Older$106

According to the first table above, the cheapest vehicles to insure in Ellenwood are typically trucks and vans, at $96 per month.

Car owners, on the other hand, usually pay around $135 per month, while SUV drivers can expect to pay about $124 a month for auto insurance.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Ellenwood, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$140
Married$95
Divorced$88
Widowed$94

More often than not, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Ellenwood follows that pattern, with the difference totaling to around $45 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$146
Live with parents$129

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $39 a month more than those who own their own home in Ellenwood. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you 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

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

The cost of insurance in Ellenwood rose consistently from 2017-2021. It finished down in 2022, at $94.

How does Ellenwood compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Road Safety (how many accidents each locality has)
  • Regional regulations
  • Availability of off-street parking
  • Total number of drivers
  • Regional crime rates

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Ellenwood?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Ellenwood.

Compare the cheapest quotes from dozens of insurance companies

Ellenwood Insurance FAQs

What factors affect car insurance quotes in Ellenwood?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

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 parking situations, crime rates, 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?

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 Ellenwood?

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 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?

Find your best rate in just a few minutes