Fairburn, GA Car Insurance

The average monthly cost for car insurance in Fairburn is about $121. To learn more about what you're likely to pay in the Fairburn area, read our guide below.
What rates should residents of Fairburn expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fairburn stack up? What about against the rest of Georgia? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fairburn?

Area Average Monthly Car Insurance Premium
Fairburn$121
GA$104
United States$80

Based on the information in the chart above, you can see that on average, it's about $17 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. The average monthly payment for the rest of the U.S. is about is about $41 cheaper than it is in Fairburn.

Bear in mind that while these rates represent the expected monthly payments for Fairburn residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, 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 what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$184
25-34$128
35-44$110
45-54$100
55-64$87
65+$94

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. Fairburn drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$131
Female$115

Car insurance rates for women are generally cheaper than they are for men. In Fairburn, the difference comes out to about $16 a month. As you can see in the table above, male drivers in the area typically pay $131 on average, while female drivers typically pay $115 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$172
Multiple Accidents$222
1 Ticket$207
Multiple Tickets$233

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Fairburn with a single accident on their record is about $172 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $207.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$117
4-5 Years$165
6-7 Years$122
8-10 Years$135
11-14 Years$113
15 Years or Older$110

If you look at the first table above, the cheapest vehicles to insure in Fairburn are by and large trucks and vans, at $109 per month.

Car owners will see a monthly premium of about $121, while SUV owners usually pay around $126 per month.

You can also expect to see slightly different rates depending 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. In Fairburn, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$130
Married$94
Divorced$90
Widowed$97

More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Fairburn is no exception, with the difference totaling to around $36 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$111
Rent$128
Live with parents$129

Another factor taken into consideration is your housing status. Renters can expect to pay around $17 a month more than drivers who own property in Fairburn. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Fairburn, GA

Recent trends in car insurance for Fairburn drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The cost of car insurance in Fairburn went up steadily from 2016 through the present, where they reached $182 a month in 2021.

How does Fairburn compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Crime rates
  • Amount of drivers in the area
  • Road Safety (how many accidents each locality has)
  • Local regulations
  • Off-street parking accessibility

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. Knowing 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Fairburn.

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Fairburn Insurance FAQs

What factors affect car insurance quotes in Fairburn?

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 age and gender, as well as your address, driving record, credit score, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Fairburn?

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 Fairburn?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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, 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 Fairburn 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