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How much is car insurance in Fairburn?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $19 a month more expensive to insure your vehicle in Fairburn than it is in the rest of Georgia.
Drivers relocating the Fairburn should take note of the differences in average rates. You can expect to pay about $44 more for your policy in Fairburn.
Bear in mind that while these rates are the average costs for Fairburn drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate for Fairburn residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Fairburn 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. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Fairburn.
Fairburn Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Fairburn, this difference shakes out to about $26 per month. As illustrated in the table above, female drivers in the area pay about $113 on average, while male drivers pay around $139 each month.
Fairburn Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Fairburn with one accident will pay around $173 a month. In addition, drivers with a single ticket on their record can expect to pay around $145 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Fairburn Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$144|
|15 Years or Older||$108|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Fairburn, with drivers paying around $114 per month to insure their vehicle.
Car owners will see a monthly bill of about $125, while SUV owners usually pay around $124 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Fairburn are vehicles four-to-five years old.
Fairburn Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$131|
Generally speaking, 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 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 Fairburn as well, where the difference is around $31 a month.
Fairburn Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $25 a month more than those who own their own home in Fairburn. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Fairburn, GA
Recent trends in car insurance for Fairburn drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Fairburn increased consistently from 2017-2021. Rates finished down in 2022, at $91.
How does Fairburn compare to neighboring areas?
Why are car insurance rates in Fairburn different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- Rate of car accidents
- Total amount of drivers in the area
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Fairburn?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Fairburn.
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Fairburn Auto Insurance FAQs
What factors affect car insurance quotes in Fairburn?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fairburn different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Fairburn?
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 Fairburn?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fairburn or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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