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How much is car insurance in Flowery Branch?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Flowery Branch is about $6 a month cheaper.
On the other hand, the expected monthly payments for an auto insurance policy in Flowery Branch are above the national average. The average monthly payment for the rest of the U.S. is about is about $19 cheaper than it is in Flowery Branch.
Although these are the average rates for auto insurance in Flowery Branch, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Flowery Branch to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Flowery Branch Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $72 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement age in Flowery Branch.
Flowery Branch Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Flowery Branch totals about $13 per month. Based on the chart above, you can see that female drivers pay around $94 on average, while male drivers typically pay $107 each month.
Flowery Branch Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Flowery Branch with a single accident on their record is about $135 a month. Likewise, drivers with one ticket will be looking at a rate of around $121 a month 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.
Flowery Branch Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$93|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Flowery Branch, with drivers paying around $93 per month for insurance coverage.
Car owners can expect to pay an average of around $101 a month for their policy, while SUVs usually cost around $98 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Flowery Branch, the most expensive vehicles to insure are vehicles two-to -three years old.
Flowery Branch Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Flowery Branch is about $33 a month, with married couples paying less for coverage than single drivers.
Flowery Branch Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Your living accommodations is another factor that affects your monthly rate. In Flowery Branch, homeowners can expect to pay around $16 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 overall costs.
Car Insurance Companies in Flowery Branch, GA
Recent trends in car insurance for Flowery Branch drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Flowery Branch, the rates for auto insurance declined from 2017-2018, where they hit a high of $99, before steadying out in 2019. Car insurance rates increased again in 2020, and finished down at $77 in 2022.
How does Flowery Branch compare to neighboring areas?
Why are car insurance rates in Flowery Branch different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Area crime rates
- Total number of drivers in the area
- Road Safety (total number of local car accidents)
- Area laws
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Flowery Branch?
Equipping 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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Flowery Branch.
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Flowery Branch Auto Insurance FAQs
What factors affect car insurance quotes in Flowery Branch?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Flowery Branch different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Flowery Branch?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Flowery Branch?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Flowery Branch 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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