Table of contents
How much is car insurance in Forest Park?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $23 a month more expensive to insure your vehicle in Forest Park than it is in the rest of Georgia.
Likewise, Forest Park residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $47 cheaper than it is in Forest Park.
Keep in mind that while these are the average car insurance rates for Forest Park, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Forest Park so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Forest Park.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Forest Park, this difference shakes out to about $6 per month. Looking at the table above, you can see that female drivers pay around $124 on average, while male drivers typically pay $130 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Forest Park, a driving record with a single accident will usually get you a rate around $159 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $157.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$116|
The most affordable vehicles to insure in Forest Park are usually trucks and vans, which run about $104 per month.
Car owners will see a monthly premium of about $132, while SUV owners typically pay around $122 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Forest Park, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
Generally, 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, married drivers usually pay less than single drivers for auto insurance. This holds true for Forest Park as well, where the difference is around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Forest Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Forest Park, GA
Recent trends in car insurance for Forest Park drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Forest Park went up from 2016-2017, when they hit a low of $106. This leveled out in 2018, when car insurance rates started to rise. They reached a high of $172 in 2020, and finished down in 2021, at $142 per month.
How does Forest Park compare to neighboring areas?
Why are car insurance rates in Forest Park different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Local crime rates
- Total amount of drivers in the community
- Amount of off-street parking
- Regional laws
- General road safety (how many accidents each locality has)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Forest Park?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Forest Park.
Forest Park Insurance FAQs
What factors affect car insurance quotes in Forest Park?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Forest Park different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Forest Park?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Forest Park?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Forest Park or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?