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How much is car insurance in Hiram?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $7 a month more expensive to insure your vehicle in Hiram than it is in the rest of Georgia.
Likewise, the expected monthly payments for an auto insurance policy in Hiram are above the national average. It's around $31 more expensive for coverage in Hiram than the average rates seen in 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 weigh a variety of factors when determining how much to charge you for car insurance. 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 broken down average rates for Hiram to help you understand what your policy's monthly premium will cost. 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|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $79 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up a bit once you hit retirement age in Hiram.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Hiram is about $4 per month. Based on the chart above, you can see that male drivers pay $113 on average, while female drivers typically pay $109 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Hiram with a single accident on their record will usually see rates around $144 a month. In addition, drivers with a single ticket on their record can expect to pay around $167 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$114|
If you look at the first table above, the cheapest vehicles to insure in Hiram are by and large SUVs, at $105 per month.
Car owners, on the other hand, usually pay around $115 a month, while truck and van drivers can expect to pay about $106 per month for insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Hiram, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$119|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Hiram is no exception, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Drivers who own property in Hiram can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Hiram, GA
Recent trends in car insurance for Hiram 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 cost of car insurance in Hiram went up from 2016-2017, before steadying out in 2018. Rates have been increasing again recently, and rose to $118 in 2021.
How does Hiram compare to neighboring areas?
Why are car insurance rates in Hiram different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of crime
- Off-street parking access
- Frequency of car accidents
- Amount of drivers in the community
- Community laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Hiram?
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.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer plans in Hiram.
Hiram Insurance FAQs
What factors affect car insurance quotes in Hiram?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Hiram different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hiram?
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 Hiram?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Hiram or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?