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How much is car insurance in Guyton?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Guyton is about $13 cheaper than it is in the rest of Georgia.
On the other hand, residents of Guyton might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Guyton is about $12 more expensive than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Guyton, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay 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 sweat it however, we've broken down average rates for Guyton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Guyton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may climb back up in Guyton.
Guyton Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Guyton, where women pay around $33 less per month. As illustrated in the table above, female drivers in the area pay about $78 on average, while male drivers pay around $111 each month.
Guyton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Guyton with a single accident on their record will usually see rates around $102 a month. Likewise, drivers with one ticket will be looking at a rate of around $111 a month 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.
Guyton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$93|
The most affordable vehicles to insure in Guyton are typically trucks and vans, which run about $87 per month.
Car owners will see a monthly rate of about $92, while SUV owners usually pay around $99 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Guyton, the most expensive vehicles to insure are vehicles less than one year old.
Guyton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
On average, those who have settled down into marriage will pay slightly less for auto insurance. 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. Guyton is no exception, with the difference totaling to around $23 a month.
Guyton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Your living accommodations is another factor that affects your monthly rate. In Guyton, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Guyton, GA
Recent trends in car insurance for Guyton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance in Guyton have been mixed as of late, it fell in 2017, rose in 2019, and declined again in 2021, before finishing at $65 in 2022.
How does Guyton compare to neighboring areas?
Why are car insurance rates in Guyton different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Local crime rates
- Total number of drivers in the area
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
- Community laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Guyton?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Guyton.
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Guyton Auto Insurance FAQs
What factors affect car insurance quotes in Guyton?
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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Guyton 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 Guyton?
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 Guyton?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Guyton or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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