Hoschton, GA Car Insurance

Hoschton drivers pay, on average, around $87 a month for their car insurance. Read our guide below to learn more about your specific rates.
Compared to their surrounding area, how do rates in Hoschton stack up? What about against the rest of Georgia? What rates should residents of Hoschton expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hoschton?

Area Average Monthly Car Insurance Premium
Hoschton$87
GA$106
United States$81

Based on the above chart, auto insurance policies in Hoschton are about $19 a month cheaper than in the rest of Georgia.

On the other hand, drivers in Hoschton may pay higher rates than the rest of the country. The cost of insuring a vehicle in Hoschton is about $6 more expensive than the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Hoschton, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down average rates for Hoschton residents so that you can get a more accurate idea of what you might pay. 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$141
25-34$84
35-44$77
45-54Not Enough Data
55-64$68
65+$80

Generally, the older you are the more experienced you are behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Hoschton may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$79

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Hoschton, the difference comes out to about $14 per month. As you can see in the chart above, car insurance for women in the area typically costs around $79 each month, while men pay $93 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$102
Multiple Accidents$164
1 Ticket$91
Multiple Tickets$110

Depending on your driving record, your rates can vary quite a lot. 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 one accident will usually get you a rate around $102 a month. In addition, drivers with one ticket can expect to pay around $91 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$96
4-5 Years$85
6-7 Years$73
8-10 Years$92
11-14 Years$89
15 Years or Older$87

In terms of affordable coverage, the cheapest vehicles to insure in Hoschton are usually trucks and vans, at $77 per month.

SUV drivers will see rates of about $102, while the rates for car owners average out to about $84 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Hoschton are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$87
Married$93
Divorced$86
Widowed$78

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Hoschton, with married couples paying about $6 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$90
Live with parents$92

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Hoschton. But those who live at home with their parents can expect to pay significantly 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 Hoschton, GA

Recent trends in car insurance for Hoschton drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Hoschton, the rates for car insurance rose from 2017-2018, before steadying out in 2019. Car insurance rates went up again, hitting a high of $96 in 2021, and finished down at $81 in 2022.

How does Hoschton compare to neighboring areas?

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

There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Availability of off-street parking
  • Total number of drivers in the community
  • Road Safety (how many accidents each locality has)
  • Regional crime rates
  • Regional regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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?

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.

Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Hoschton.

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Hoschton Insurance FAQs

What factors affect car insurance quotes in Hoschton?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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 local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

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 Hoschton?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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?

Find your best rate in just a few minutes