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How much is car insurance in Hampton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $12 a month more expensive to insure your vehicle in Hampton than it is in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Hampton are above the national average. It's about $37 more for coverage in Hampton than in the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Hampton, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Hampton to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Hampton 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. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $120 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Hampton.
Hampton Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Hampton totals about $33 a month. Looking at the table above, you can see that female drivers pay around $102 on average, while male drivers typically pay $135 each month.
Hampton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Hampton, a driving record with one accident will usually get you a rate around $202 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $129.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Hampton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$102|
The most affordable vehicles to insure in Hampton are typically trucks and vans, which run about $96 per month.
Car owners will see a monthly bill of about $129, while SUV owners usually pay around $99 per month.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Hampton are vehicles eight-to-ten years old.
Hampton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$131|
On average, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Hampton is about $49 a month, with married couples paying less for coverage than single drivers.
Hampton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $32 a month more than if you own your own home in Hampton. But if you live with your parents, you can expect to pay a lot 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 overall costs.
Car Insurance Companies in Hampton, GA
Recent trends in car insurance for Hampton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Hampton increased steadily from 2017-2021. Car insurance rates finished down in 2022, at $105.
How does Hampton compare to neighboring areas?
Why are car insurance rates in Hampton different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Area crime rates
- Total number of drivers
- General road safety (how many accidents each locality has)
- Availability of off-street parking
- Area regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Hampton?
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 can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Hampton.
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Hampton Auto Insurance FAQs
What factors affect car insurance quotes in Hampton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hampton different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Hampton?
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 Hampton?
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. 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 Hampton 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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