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How much is car insurance in Hinesville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $17 a month cheaper to insure your vehicle in Hinesville than it is in the rest of Georgia.
On the flip side, Hinesville residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Hinesville is about $8 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for Hinesville residents, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 policy payment.
We've broken down the average rates for Hinesville to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Hinesville 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, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $68 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Hinesville.
Hinesville Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Hinesville totals about $11 a month. As illustrated in the table above, female drivers in the area pay about $84 on average, while male drivers pay around $95 each month.
Hinesville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Hinesville with a single accident will pay around $123 a month. In addition, drivers with a single ticket on their record can expect to pay around $105 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Hinesville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Hinesville are by and large trucks and vans, at $77 per month.
Car owners will see a monthly premium of about $91, while SUV owners usually pay around $86 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. 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. In Hinesville, vehicles six-to-seven years old are the most expensive to insure.
Hinesville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
Overall, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer 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. Hinesville is no exception, with the difference totaling to around $25 a month.
Hinesville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than drivers who own property in Hinesville. 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 costs.
Car Insurance Companies in Hinesville, GA
Recent trends in car insurance for Hinesville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Hinesville, the rates for car insurance had been decreasing from 2017-2018, where they reached a high of $96, before leveling out in 2019. Policy premiums rose again in 2020, and finished down at $59 in 2022.
How does Hinesville compare to neighboring areas?
Why are car insurance rates in Hinesville different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the area
- Regional laws
- Number of car accidents
- Crime rates
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Hinesville?
Arming 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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Hinesville.
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Hinesville Auto Insurance FAQs
What factors affect car insurance quotes in Hinesville?
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, credit score, driving record, and marital status.
Why is the cost of car insurance in Hinesville 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 Hinesville?
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 Hinesville?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Hinesville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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