Table of contents
How much is car insurance in Ellijay?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Ellijay typically costs about $26 a month less than it does in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Ellijay is rather affordable. The average monthly payment for the United States as a whole is about $2 more expensive than in Ellijay.
While these are the average monthly costs for auto insurance coverage in Ellijay, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Ellijay residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $58 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement age in Ellijay.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Ellijay totals about $7 per month. As illustrated in the table above, female drivers in the area pay about $75 on average, while male drivers pay around $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Ellijay with a single accident on their record is about $111 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$74|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Ellijay, with drivers paying around $75 per month for insurance.
Car owners can expect to pay an average of around $78 a month for their policy, while SUVs usually cost around $85 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Ellijay, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Ellijay as well, where the difference is around $31 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Ellijay. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Ellijay, GA
Recent trends in car insurance for Ellijay drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The cost of car insurance in Ellijay had been increasing from 2016-2018, before steadying out in 2019. Policy premiums have been increasing again recently, and rose to $119 in 2021.
How does Ellijay compare to neighboring areas?
Why are car insurance rates in Ellijay different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Access to off-street parking
- Area crime rates
- Regional regulations
- Road Safety (total number of local car accidents)
- Total amount of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Ellijay?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Ellijay.
Ellijay Insurance FAQs
What factors affect car insurance quotes in Ellijay?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Ellijay 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, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Ellijay?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Ellijay?
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, 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 Ellijay 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.