Table of contents
How much is car insurance in Hull?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Hull is about $15 a month cheaper.
That being said Hull residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Hull is about $9 more expensive than the average rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Hull, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But worry not, we've done the heavy lifting and broken down the average rate for Hull to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, 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. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Hull.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Hull, the difference comes out to about $11 per month. As illustrated in the table above, male drivers in the area pay about $96 on average, while female drivers pay around $85 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Hull with a single accident on their record will usually see rates around $127 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $98.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$99|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Hull, with drivers paying around $68 per month for insurance coverage.
SUV drivers will see rates of about $79 for insurance coverage, while car owners by and large pay around $96 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Hull are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Hull can be as much as $24 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $20 a month more than those who own their own home in Hull. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Hull, GA
Recent trends in car insurance for Hull 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.
Car insurance rates in Hull rose from 2016-2018, where they hit a high of $93, before steadying out in 2019. Policy premiums increased once again in 2020, and have continued rising through 2021, where they reached $185 per month.
How does Hull compare to neighboring areas?
Why are car insurance rates in Hull different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Area laws
- Road Safety (frequency of local car accidents)
- Number of drivers
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Hull?
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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Hull.
Hull Insurance FAQs
What factors affect car insurance quotes in Hull?
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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Hull different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Hull?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Hull?
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, 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 Hull 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.