Table of contents
How much is car insurance in Guyton?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $7 a month more expensive than it is in Guyton.
On the other hand, the expected monthly payments for an auto insurance policy in Guyton are above the national average. It's about $17 more for coverage in Guyton than in the rest of the U.S.
Although these are the average car insurance rates in Guyton, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Guyton so that you can get a more accurate idea of what you might pay. 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|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Guyton.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Guyton, where women pay around $33 less per month. Based on the chart above, you can see that female drivers pay around $82 on average, while male drivers typically pay $115 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Guyton with a single accident will pay around $103 a month. Similarly, drivers with one ticket will typically pay around $221 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$209|
|15 Years or Older||$99|
The most affordable vehicles to insure in Guyton are typically trucks and vans, which run about $85 per month.
Car owners, on the other hand, by and large pay around $98 a month, while SUV drivers can expect to pay about $105 per month for insurance coverage.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Guyton are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
More often than not, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Guyton is no exception, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Another factor taken into consideration is your housing status. In Guyton, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Guyton, GA
Recent trends in car insurance for Guyton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Guyton, the rates for car insurance dropped from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $81.
How does Guyton compare to neighboring areas?
Why are car insurance rates in Guyton different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Availability of off-street parking
- Area laws
- Rate of crime
- Number of drivers in the community
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Guyton?
While knowing 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Guyton.
Guyton Insurance FAQs
What factors affect car insurance quotes in Guyton?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Guyton different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Guyton?
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 Guyton?
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 Guyton 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?