Table of contents
How much is car insurance in Grayson?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Grayson | $127 |
| GA | $104 |
| United States | $80 |
As you can see, car insurance policies across the rest of Georgia are about $23 a month cheaper than the rates drivers pay in Grayson.
Drivers relocating the Grayson should take note of the differences in average rates. The cost of insuring a vehicle in Grayson is about $47 more expensive than the average rate for the rest of the U.S.
While these are the average car insurance rates for Grayson, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Grayson to help you get a more accurate idea of what you'll be charged for your policy. 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 | $190 |
| 25-34 | $115 |
| 35-44 | $94 |
| 45-54 | $85 |
| 55-64 | $100 |
| 65+ | $91 |
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may creep back up in Grayson.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $146 |
| Female | $108 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Grayson, this difference shakes out to about $38 a month. As illustrated in the table above, female drivers in the area pay about $108 on average, while male drivers pay around $146 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $163 |
| Multiple Accidents | $271 |
| 1 Ticket | $131 |
| Multiple Tickets | $326 |
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Grayson with a single accident will pay around $163 a month. In addition, drivers with a single ticket on their record can expect to pay around $131 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $95 |
| 2-3 Years | $158 |
| 4-5 Years | $195 |
| 6-7 Years | $121 |
| 8-10 Years | $103 |
| 11-14 Years | $131 |
| 15 Years or Older | $122 |
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Grayson, with drivers paying around $108 per month for insurance.
Car owners, on the other hand, by and large pay around $132 per month, while SUV drivers can expect to pay about $130 a month to insure their vehicle.
Depending on your vehicle's age, you can also expect to see slightly different rates. 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. The most expensive vehicles to insure in Grayson are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $141 |
| Married | $90 |
| Divorced | $94 |
| Widowed | $139 |
On average, those who are currently married will pay slightly less for auto insurance coverage. 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, single drivers usually pay more than married couples do for auto insurance. Grayson follows that pattern, with the difference totaling to around $51 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $110 |
| Rent | $134 |
| Live with parents | $168 |
One other element taken into consideration is your living situation. If you rent your home or apartment in Grayson, expect to pay around $24 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
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 average premiums.
Car Insurance Companies in Grayson, GA
Recent trends in car insurance for Grayson drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in Grayson went up from 2016-2017, before leveling out in 2018. Policy premiums rose again recently, reaching a high of $324 in 2021.
How does Grayson compare to neighboring areas?
Why are car insurance rates in Grayson different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Total amount of drivers in the area
- Access to off-street parking
- Regional regulations
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Grayson?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Grayson.
Grayson Insurance FAQs
What factors affect car insurance quotes in Grayson?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Grayson different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Grayson?
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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Grayson or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?