Table of contents
How much is car insurance in Hazlehurst?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Hazlehurst are about $31 a month cheaper than in the rest of Georgia.
Similarly, car insurance rates in Hazlehurst are more affordable than the national average. The average monthly payment in Hazlehurst is about $6 less than the rate for the rest of the U.S.
These may be the average auto insurance rates for Hazlehurst, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Hazlehurst and broken down the different factors to help you understand what your monthly bill might look like. 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|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $48 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Hazlehurst drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Hazlehurst, the difference comes out to about $13 a month. Based on the chart above, you can see that male drivers pay $83 on average, while female drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Hazlehurst with a single accident on their record is about $86 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$76|
According to the first table above, cars are usually the cheapest vehicles to insure in Hazlehurst, with drivers paying around $73 per month for insurance coverage.
SUV owners can expect to pay an average of around $75 a month for their policy, while truck and van drivers are usually around $80 to insure each month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Hazlehurst, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Generally, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Hazlehurst can be as much as $20 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Hazlehurst can expect to pay around $1 a month less than those who rent. 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 average premiums.
Car Insurance Companies in Hazlehurst, GA
Recent trends in car insurance for Hazlehurst drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of car insurance in Hazlehurst rose from 2017-2018, but began to decrease in 2021. This trend has continued through the present where they reached a low of $50 per month.
How does Hazlehurst compare to neighboring areas?
Why are car insurance rates in Hazlehurst different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Off-street parking access
- Local laws
- Total amount of drivers in the community
- Rate of crime
- Number of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Hazlehurst?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Hazlehurst.
Hazlehurst Insurance FAQs
What factors affect car insurance quotes in Hazlehurst?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Hazlehurst different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Hazlehurst?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Hazlehurst?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Hazlehurst or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.