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How much is car insurance in Fort Valley?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Fort Valley is about $19 a month cheaper.
That being said Fort Valley residents should prepare to pay higher rates for coverage than the rest of the country. It's about $5 more expensive for coverage in Fort Valley than the average rates for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Fort Valley, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Fort Valley residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up once you hit retirement age in Fort Valley.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Fort Valley totals about $10 per month. As illustrated in the table above, male drivers in the area pay about $91 on average, while female drivers pay around $81 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay much less than those with infractions. In Fort Valley, a driving record with a single accident will usually get you a rate around $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $171.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$78|
In Fort Valley, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $83 per month for auto insurance.
Car owners can expect to pay an average of around $87 a month for their policy, while SUVs usually cost around $84 a month to insure.
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 rates may start to dip back down a bit. In Fort Valley, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fort Valley is no exception, with the difference totaling to around $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your living situation is another factor that affects your monthly rate. The average rates for both homeowners and renters in Fort Valley are around $87 per month.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Fort Valley, GA
Recent trends in car insurance for Fort Valley 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 cost of auto insurance coverage in Fort Valley rose from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $126 a month
How does Fort Valley compare to neighboring areas?
Why are car insurance rates in Fort Valley different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Local laws
- Amount of drivers in the community
- Availability of off-street parking
- Prevalence of crime
- Frequency of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Fort Valley?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Fort Valley.
Fort Valley Insurance FAQs
What factors affect car insurance quotes in Fort Valley?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Fort Valley different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Fort Valley?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Fort Valley?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Valley 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.