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How much is car insurance in Grovetown?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Grovetown is about $22 cheaper than it is in the rest of Georgia.
Drivers relocating the Grovetown should take note of the differences in average rates. Coverage in Grovetown is about $2 more expensive than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Grovetown, that doesn't mean it's what you'll pay. 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.
We've done the heavy lifting for you and broken down the average rate for Grovetown so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Grovetown.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Grovetown, where male drivers pay about $9 more a month. As you can see in the table above, male drivers in the area typically pay $87 on average, while female drivers typically pay $78 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Grovetown, having a single accident on your record will usually get you rates around $124 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $132.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$81|
According to the first table above, the cheapest vehicles to insure in Grovetown are by and large trucks and vans, at $79 per month.
The cost of insurance for car and SUV owners in Grovetown usually comes out to about $83 per month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Grovetown, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Grovetown as well, where the difference is around $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Another factor that comes into play is your housing status. In Grovetown, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 average costs.
Car Insurance Companies in Grovetown, GA
Recent trends in car insurance for Grovetown drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of car insurance coverage in Grovetown had been decreasing from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $139.
How does Grovetown compare to neighboring areas?
Why are car insurance rates in Grovetown different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Frequency of car accidents
- Off-street parking availability
- Prevalence of crime
- Community regulations
- Total amount of drivers in the community
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Grovetown?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Grovetown.
Grovetown Insurance FAQs
What factors affect car insurance quotes in Grovetown?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Grovetown different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Grovetown?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Grovetown?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Grovetown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.