Hephzibah, GA Car Insurance

The average monthly cost for car insurance in Hephzibah is about $88. For more information refer to our guide below.
Compared to their surrounding area, how do rates in Hephzibah stack up? What about against the rest of Georgia? What should residents of Hephzibah expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hephzibah?

Area Average Monthly Car Insurance Premium
Hephzibah$88
GA$104
United States$80

Looking at the chart above, you can see it's around $16 a month cheaper to insure your vehicle in Hephzibah than it is in the rest of Georgia.

On the other hand, drivers in Hephzibah may pay higher rates than the rest of the country. The average monthly payment in Hephzibah is about $8 more expensive than the rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Hephzibah, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't sweat it however, we've broken down average rates for Hephzibah residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$89
35-44$80
45-54$71
55-64$63
65+$72

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly 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. That said, once you hit retirement, your rates may climb back up in Hephzibah.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$84

Female drivers pay, on average, slightly less than their male counterparts. In Hephzibah, the difference comes out to about $10 a month. Based on the chart above, you can see that male drivers pay $94 on average, while female drivers typically pay $84 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$125
Multiple Accidents$141
1 Ticket$132
Multiple Tickets$159

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Hephzibah, having a single accident on your record will usually get you rates around $125 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $132.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$93
2-3 Years$93
4-5 Years$91
6-7 Years$87
8-10 Years$90
11-14 Years$93
15 Years or Older$83

If you look at the first table above, you'll see that cars, trucks, and vans are by and large the cheapest vehicles to insure in Hephzibah, with drivers paying around $86 per month for auto insurance coverage.

The monthly premium for SUV owners, however, is about $95 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Hephzibah are vehicles less than or equal to one-year-old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$95
Married$71
Divorced$75
Widowed$77

Generally, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Hephzibah is no exception, with the difference totaling to around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$76
Rent$92
Live with parents$139

Another factor taken into consideration is your living situation. In Hephzibah, homeowners can expect to pay around $16 a month less than those who rent. But if you live with your parents, you 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 Hephzibah, GA

Recent trends in car insurance for Hephzibah 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 rates for car insurance in Hephzibah decreased from 2016-2017, but changed in 2018. They went up until 2019, when they reached a high of $91, and finished up in 2021, at $117 per month.

How does Hephzibah compare to neighboring areas?

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

Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local laws
  • Number of drivers
  • Access to off-street parking
  • Rate of crime
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Hephzibah?

While getting familiar with 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.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Hephzibah.

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Hephzibah Insurance FAQs

What factors affect car insurance quotes in Hephzibah?

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 Hephzibah different from other neighboring cities?

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

Which car insurance company will offer me the cheapest rate in Hephzibah?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hephzibah?

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?

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 Hephzibah 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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