Table of contents
How much is car insurance in Hephzibah?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Hephzibah | $89 |
| GA | $106 |
| United States | $81 |
Compared to the rest of the Georgia, coverage in Hephzibah is about $17 a month cheaper.
That being said Hephzibah residents should prepare to pay higher rates for coverage than the rest of the country. It's about $8 more expensive for coverage in Hephzibah than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for Hephzibah residents, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Hephzibah so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $144 |
| 25-34 | $88 |
| 35-44 | $81 |
| 45-54 | $74 |
| 55-64 | $63 |
| 65+ | $83 |
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Hephzibah may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $94 |
| Female | $86 |
Female drivers pay, on average, slightly less than their male counterparts. In Hephzibah, the difference comes out to about $8 a month. As you can see in the chart above, car insurance for women in the area typically costs around $86 each month, while men pay $94 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $121 |
| Multiple Accidents | $187 |
| 1 Ticket | $108 |
| Multiple Tickets | $146 |
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Hephzibah, drivers with one accident on their record will experience rates around $121 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $93 |
| 2-3 Years | $106 |
| 4-5 Years | $90 |
| 6-7 Years | $84 |
| 8-10 Years | $100 |
| 11-14 Years | $91 |
| 15 Years or Older | $83 |
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Hephzibah, with drivers paying around $85 per month for insurance.
SUV drivers will see rates of about $96, while the rates for car owners average out to about $87 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Hephzibah are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $95 |
| Married | $75 |
| Divorced | $74 |
| Widowed | $77 |
More often than not, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Hephzibah can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $78 |
| Rent | $93 |
| Live with parents | $134 |
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Hephzibah. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hephzibah, GA
Recent trends in car insurance for Hephzibah drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for auto insurance in Hephzibah went up from 2017-2019, before leveling out in 2020. They finished down in 2022, at $70 a 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:
- Total amount of drivers in the area
- Off-street parking access
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Regional laws
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 Hephzibah?
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.
Good news! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Hephzibah in no time.
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Hephzibah different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Hephzibah?
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 Hephzibah?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Hephzibah 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?