Table of contents
How much is car insurance in Flowery Branch?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Flowery Branch | $98 |
| GA | $104 |
| United States | $80 |
Based on the chart above, you can see that coverage in Flowery Branch typically costs about $6 a month less than it does in the rest of Georgia.
On the flip side, Flowery Branch residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $18 more expensive for coverage in Flowery Branch than the average rates seen in the rest of the U.S.
While these are the average costs to insure your vehicle in Flowery Branch, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 policy payment.
Don't sweat it however, we've broken down average rates for Flowery Branch residents 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, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $142 |
| 25-34 | $97 |
| 35-44 | $85 |
| 45-54 | $68 |
| 55-64 | $70 |
| 65+ | $83 |
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up a bit in Flowery Branch.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $100 |
| Female | $97 |
Car insurance rates for men are usually slightly more expensive than they are for women. In Flowery Branch, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $134 |
| Multiple Accidents | $152 |
| 1 Ticket | $143 |
| Multiple Tickets | $164 |
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Flowery Branch, drivers with one accident on their record will experience rates around $134 a month. Likewise, drivers with one ticket will be looking at a rate of around $143 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. 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 | $91 |
| 2-3 Years | $118 |
| 4-5 Years | $97 |
| 6-7 Years | $90 |
| 8-10 Years | $104 |
| 11-14 Years | $100 |
| 15 Years or Older | $96 |
According to the first table above, the cheapest vehicles to insure in Flowery Branch are typically trucks and vans, at $89 per month.
SUV drivers will see rates of about $98, while the rates for car owners average out to about $100 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Flowery Branch, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $106 |
| Married | $76 |
| Divorced | $87 |
| Widowed | $69 |
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Flowery Branch follows that pattern, with the difference totaling to around $30 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $88 |
| Rent | $96 |
| Live with parents | $125 |
Another factor taken into consideration is your living situation. If you rent your home or apartment in Flowery Branch, expect to pay around $8 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
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 Flowery Branch, GA
Recent trends in car insurance for Flowery Branch 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.
In Flowery Branch, the rates for auto insurance had been increasing from 2016-2018 -- where they reached a high of $99-- before leveling out in 2019. Insurance rates went up once again in 2020, and have continued rising through 2021, where they finished at $124 per month.
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 a variety of factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers
- Community laws
- Crime rates
- Off-street parking access
- Road safety
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 learn more.
How can I find the cheapest car insurance in Flowery Branch?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Flowery Branch.
Flowery Branch Insurance FAQs
What factors affect car insurance quotes in Flowery Branch?
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, credit score, driving record, and marital status.
Why is the cost of car insurance in Flowery Branch different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Flowery Branch?
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 Flowery Branch?
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 Flowery Branch 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.