Franklin, GA Car Insurance

Drivers in Franklin pay, on average, $83 a month for their car insurance. To learn more about car insurance rates in the Franklin area, read our guide below.
Compared to their surrounding area, how do rates in Franklin stack up? What about against the rest of Georgia? What rates should residents of Franklin expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Franklin?

Area Average Monthly Car Insurance Premium
Franklin$83
GA$106
United States$81

Auto insurance coverage in Franklin is about $23 cheaper than it is in the rest of Georgia.

The average cost of insuring your vehicle in Franklin is above the national rate. You can expect to pay about $2 more for your policy in Franklin.

Although these are the average car insurance rates in Franklin, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you 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.

We've done the heavy lifting for you and broken down the average rate for Franklin so that you can get a more accurate idea of what your policy will cost you. 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$134
25-34$87
35-44$71
45-54$66
55-64$73
65+$69

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. 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, however, your rates may rise again in Franklin.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$81

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Franklin, where women pay around $5 less a month. Based on the chart above, you can see that male drivers pay $86 on average, while female drivers typically pay $81 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$121
Multiple Accidents$142
1 Ticket$111
Multiple Tickets$139

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Franklin, having a single accident on your record will usually get you rates around $121 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $111.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$140
2-3 Years$82
4-5 Years$69
6-7 Years$65
8-10 Years$101
11-14 Years$85
15 Years or Older$80

In terms of affordable coverage, the cheapest vehicles to insure in Franklin are typically trucks and vans, at $78 per month.

SUV drivers will see rates of about $80, while the rates for car owners average out to about $88 per month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Franklin, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$68
Divorced$72
Widowed$108

On average, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Franklin as well, where the difference is around $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$77
Rent$81
Live with parents$122

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Franklin. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Franklin, GA

Recent trends in car insurance for Franklin 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.

In Franklin, car insurance rates went up from 2017-2019, when they reached a high of $98. This trend changed in 2020, when they began to decrease, and have continued to do so through the present -- when rates hit a low of $63 a month.

How does Franklin compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Amount of drivers in the area
  • General road safety (how many accidents each locality has)
  • Regional regulations
  • Crime levels
  • Off-street parking access

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Franklin?

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 type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Franklin.

Compare the cheapest quotes from dozens of insurance companies

Franklin Insurance FAQs

What factors affect car insurance quotes in Franklin?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

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 Franklin?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Franklin 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?

Find your best rate in just a few minutes