Hull, GA Car Insurance

Residents of Hull pay around $86 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
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Compared to their surrounding area, how do rates in Hull stack up? What about against the rest of Georgia? What should residents of Hull expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Hull?

Area Average Monthly Car Insurance Premium
Hull$86
GA$106
United States$81

Looking at the chart above, you can see it's around $20 a month cheaper to insure your vehicle in Hull than it is in the rest of Georgia.

Conversely, drivers in Hull may pay higher rates than the rest of the country. It's about $5 more for coverage in Hull than in the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Hull, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've broken down the average rates for Hull to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code 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$134
25-34$79
35-44$73
45-54Not Enough Data
55-64$55
65+$70

It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $64 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Hull.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$83

In general, women pay slightly less for car insurance than men. The difference in Hull is around $10 per month. As you can see in the table above, female drivers in the area typically pay $83 on average, while female drivers typically pay $93 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$127
Multiple Accidents$145
1 Ticket$86
Multiple Tickets$68

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Hull with a single accident on their record is about $127 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $86.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$75
2-3 Years$76
4-5 Years$97
6-7 Years$84
8-10 Years$92
11-14 Years$78
15 Years or Older$92

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Hull, with drivers paying around $66 per month for insurance coverage.

Car owners, on the other hand, usually pay around $94 a month, while SUV drivers can expect to pay about $79 per month to insure their vehicle.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Hull, 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)$94
Married$68
Divorced$70
Widowed$68

On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Hull is about $26 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$75
Rent$90
Live with parents$135

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Hull. But if you live with your parents, you can expect to pay a lot more.

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 Hull, GA

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The cost of car insurance coverage in Hull rose from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $61 a 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 coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Total number of drivers in the region
  • Local crime rates
  • Amount of off-street parking
  • Community laws
  • Road Safety (frequency of car accidents)

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Hull in no time.


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Hull Insurance FAQs

What factors affect car insurance quotes in Hull?

Car insurance companies calculate quotes based on a wide array of factors. These 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 Hull different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 Hull?

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 Hull 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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