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How much is car insurance in Ellijay?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Ellijay is about $29 cheaper than it is in the rest of Georgia.
Likewise, the expected monthly payments for an auto insurance policy in Ellijay are below the national average. The average monthly payment in Ellijay is about $4 cheaper than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Ellijay, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Ellijay and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Ellijay Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up in Ellijay.
Ellijay Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Ellijay, however, the difference in monthly rates for auto insurance is minimal.
Ellijay Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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. In Ellijay, having a single accident on your record will usually get you rates around $110 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $87.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Ellijay Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$71|
If you look at the first table above, the cheapest vehicles to insure in Ellijay are by and large trucks and vans, at $70 per month.
Car owners, on the other hand, usually pay around $77 per month, while SUV drivers can expect to pay about $82 a month for insurance coverage.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Ellijay, the most expensive vehicles to insure are vehicles less than one year old.
Ellijay Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. 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. Ellijay follows that pattern, with the difference totaling to around $25 a month.
Ellijay Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor that comes into play is your living situation. If you rent your home or apartment in Ellijay, expect to pay around $16 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Ellijay, GA
Recent trends in car insurance for Ellijay drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for car insurance in Ellijay rose from 2017-2018, before steadying out in 2019. Car insurance rates went up again, hitting a high of $92 in 2021, and finished down at $63 in 2022.
How does Ellijay compare to neighboring areas?
Why are car insurance rates in Ellijay different from other areas?
There are many factors car insurance companies take into consideration when choosing 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:
- Number of drivers
- Community regulations
- Rate of car accidents
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Ellijay?
While knowing 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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Ellijay.
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Ellijay Auto Insurance FAQs
What factors affect car insurance quotes in Ellijay?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Ellijay different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Ellijay?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ellijay?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ellijay or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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