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In This Article:
How much is car insurance in Grayson?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $23 a month more expensive to insure your vehicle in Grayson than it is in the rest of Georgia.
The average cost of insuring your vehicle in Grayson is above the national rate. The average monthly payment for the rest of the U.S. is about is about $48 cheaper than it is in Grayson.
While these are the average monthly costs for auto insurance coverage in Grayson, you could end up paying something different. 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 get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Grayson 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 think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Grayson Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Grayson.
Grayson Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Grayson, the difference is around $49 per month. As you can see in the chart above, car insurance for women in the area typically costs around $104 each month, while men pay $153 on average.
Grayson Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Grayson, having a single accident on your record will usually get you rates around $161 a month. Likewise, drivers with one ticket will be looking at a rate of around $122 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Grayson Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$128|
The cheapest vehicles to insure in Grayson are usually SUVs, with each type typically costing about $113 per month.
Truck and van drivers will see rates of about $131 for auto insurance, while car owners by and large pay around $134 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Grayson, the most expensive vehicles to insure are vehicles four-to-five years old.
Grayson Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$141|
Generally, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Grayson is no exception, with the difference totaling to around $53 a month.
Grayson Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $28 a month more than if you own your own home in Grayson. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Grayson, GA
Recent trends in car insurance for Grayson drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Grayson, the rates for auto insurance had been decreasing from 2017-2018, when they hit a low of $102. This leveled out in 2019, when they began to rise again. They finished down in 2022, at $92 per month
How does Grayson compare to neighboring areas?
Why are car insurance rates in Grayson different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the region
- Local laws
- Rate of crime
- Off-street parking access
- Road Safety (frequency of local car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Grayson?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Grayson in no time.
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Grayson Auto Insurance FAQs
What factors affect car insurance quotes in Grayson?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Grayson different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Grayson?
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 Grayson?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Grayson 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?
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