Hampton, GA Car Insurance

Drivers in Hampton pay, on average, $118 a month for their car insurance. To learn more about car insurance rates in the Hampton area, read our guide below.
How much can residents of Hampton expect to pay for their car insurance? Are rates in Hampton higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hampton?

Area Average Monthly Car Insurance Premium
Hampton$118
GA$106
United States$81

As you can see, car insurance policies across the rest of Georgia are about $12 a month cheaper than the rates drivers pay in Hampton.

The average cost of insuring your vehicle in Hampton is above the national rate. The average monthly payment for the rest of the U.S. is about is about $37 cheaper than it is in Hampton.

These rates may be the average amount Hampton drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

But don't worry, we've broken down the average rates for Hampton residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$222
25-34$113
35-44$93
45-54$86
55-64$74
65+$101

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience pays off. 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.

As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up once you hit retirement in Hampton.

Average Car Insurance Rates by Gender

Gender Average
Male$136
Female$102

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Hampton totals about $34 a month. As illustrated in the table above, male drivers in the area pay about $136 on average, while female drivers pay around $102 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$205
Multiple Accidents$197
1 Ticket$128
Multiple Tickets$335

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Hampton with a single accident on their record is about $205 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $128.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$137
2-3 Years$143
4-5 Years$104
6-7 Years$118
8-10 Years$162
11-14 Years$112
15 Years or Older$102

In terms of affordable coverage, the cheapest vehicles to insure in Hampton are usually trucks and vans, at $95 per month.

Car owners will see a monthly bill of about $130, while SUV owners typically pay around $98 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Hampton, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$131
Married$82
Divorced$80
Widowed$83

On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Hampton can be as much as $49 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$97
Rent$131
Live with parents$128

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $34 a month more than if you own your own home in Hampton. Those who live with their parents, however, 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 average costs.

Car Insurance Companies in Hampton, GA

Recent trends in car insurance for Hampton drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The cost of insurance in Hampton increased steadily from 2017-2021. It finished down in 2022, at $101.

How does Hampton compare to neighboring areas?

Why are car insurance rates in Hampton different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Number of drivers in the area
  • Road Safety (frequency of car accidents)
  • Local regulations
  • Area crime rates
  • Off-street parking accessibility

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. 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 Hampton?

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.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Hampton.

Compare the cheapest quotes from dozens of insurance companies

Hampton Insurance FAQs

What factors affect car insurance quotes in Hampton?

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 driving record, credit score, address, and marital status.

Why is the cost of car insurance in Hampton different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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?

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?

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?

Find your best rate in just a few minutes