Hoschton, GA Car Insurance

On average, Hoschton drivers pay around $85 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Hoschton expect to pay for their car insurance? How does Hoschton stack up to the rest of the area, or even Georgia as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Hoschton?

Area Average Monthly Car Insurance Premium
Hoschton$85
GA$104
United States$80

Based on the chart above, you can see that coverage in Hoschton typically costs about $19 a month less than it does in the rest of Georgia.

On the flip side, Hoschton residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $5 more expensive than the national average to insure your vehicle in Hoschton.

While these are the average car insurance rates for Hoschton, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Hoschton 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, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$124
25-34$87
35-44$78
45-54$70
55-64$70
65+$85

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up a bit in Hoschton.

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$82

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Hoschton is around $7 a month. Looking at the table above, you can see that female drivers pay around $82 on average, while male drivers typically pay $89 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$103
Multiple Accidents$126
1 Ticket$106
Multiple Tickets$131

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Hoschton, a driving record with a single accident will usually get you a rate around $103 a month. Likewise, drivers with one ticket will be looking at a rate of around $106 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 want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$94
2-3 Years$88
4-5 Years$89
6-7 Years$73
8-10 Years$97
11-14 Years$84
15 Years or Older$83

If you look at the first table above, the cheapest vehicles to insure in Hoschton are typically trucks and vans, at $78 per month.

Car owners will see a monthly bill of about $87, while SUV owners by and large pay around $85 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Hoschton, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$88
Married$83
Divorced$84
Widowed$78

Generally speaking, those who are currently married will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Hoschton as well, where the difference is around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$87
Rent$85
Live with parents$92

Another factor taken into consideration is your housing situation. Renters can expect to pay around $2 a month less than drivers who own property in Hoschton. Those who live with their parents, however, 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 premiums.

Car Insurance Companies in Hoschton, GA

Recent trends in car insurance for Hoschton drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance in Hoschton dropped from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $86 a month

How does Hoschton compare to neighboring areas?

Why are car insurance rates in Hoschton different from other areas?

Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Road Safety (frequency of car accidents)
  • Number of drivers in the community
  • Amount of off-street parking
  • Community regulations
  • Local crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Hoschton?

Equipping 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 hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Hoschton.

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Hoschton Insurance FAQs

What factors affect car insurance quotes in Hoschton?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Hoschton different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Hoschton?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Hoschton?

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. 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 Hoschton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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