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How much is car insurance in Hiram?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Hiram is about $9 a month more expensive than the rest of Georgia.
Similarly, Hiram residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment in Hiram is about $34 more expensive than the rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Hiram residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Hiram Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates creep back up in Hiram.
Hiram Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Hiram, this difference shakes out to about $9 a month. As illustrated in the table above, female drivers in the area pay about $109 on average, while male drivers pay around $118 each month.
Hiram Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Hiram with a single accident will pay around $160 a month. Similarly, drivers with one ticket will typically pay around $136 on average.
Hiram Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$115|
If you look at the first table above, the cheapest vehicles to insure in Hiram are typically SUVs, at $104 per month.
Car owners, on the other hand, usually pay around $120 per month, while truck and van drivers can expect to pay about $105 a month for auto insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Hiram, vehicles eight-to-ten years old are the most expensive to insure.
Hiram Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$122|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Hiram is about $23 a month, with married couples paying less for coverage than single drivers.
Hiram Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $16 a month more than those who own their own home in Hiram. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Hiram, GA
Recent trends in car insurance for Hiram drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Hiram, auto insurance rates went up from 2020-2021, before leveling out in 2022. Car insurance rates finished down in 2022, at $85 per month
How does Hiram compare to neighboring areas?
Why are car insurance rates in Hiram different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of drivers in the region
- Off-street parking access
- Regional crime rates
- Area laws
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Hiram?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Hiram.
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Hiram Auto Insurance FAQs
What factors affect car insurance quotes in Hiram?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hiram different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Hiram?
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 Hiram?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Hiram 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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