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How much is car insurance in Hinesville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Hinesville is about $16 cheaper than it is in the rest of Georgia.
On the other hand, residents of Hinesville might expect to pay higher rates for coverage than the rest of the country. It's about $8 more expensive than the national average to insure your vehicle in Hinesville.
While these are the average monthly costs for auto insurance coverage in Hinesville, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Hinesville so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $53 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Hinesville may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Hinesville, male drivers pay about $13 more per month. Looking at the table above, you can see that female drivers pay around $83 on average, while male drivers typically pay $96 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Hinesville, having a single accident on your record will usually get you rates around $128 a month. In addition, drivers with one ticket can expect to pay around $135 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$101|
|15 Years or Older||$79|
In Hinesville, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $78 per month for auto insurance coverage.
SUV drivers will see rates of about $88, while the rates for car owners average out to about $90 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Hinesville, the most expensive vehicles to insure are vehicles six-to-seven years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Hinesville, with married couples paying about $23 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than homeowners in Hinesville. Those who live with their parents, however, 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 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.
The cost of auto insurance coverage in Hinesville had been increasing from 2016-2018, where it hit a high of $96, before steadying out in 2019. Car insurance rates have risen again in recent years, finishing at $111 per month in 2021.
How does Hinesville compare to neighboring areas?
Why are car insurance rates in Hinesville different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking accessibility
- Crime levels
- Total number of drivers
- Regional regulations
- Frequency of car accidents
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. 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 Hinesville?
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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Hinesville.
Hinesville Insurance FAQs
What factors affect car insurance quotes in Hinesville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Hinesville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Hinesville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Hinesville?
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?
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 Hinesville 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.