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How much is car insurance in Hull?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $13 a month cheaper to insure your vehicle in Hull than it is in the rest of Georgia.
On the other hand, drivers in Hull may pay higher rates than the rest of the country. Coverage in Hull is about $12 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Hull, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Hull so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Hull Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $85 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Hull drivers may see their rates creep back up a bit once they hit retirement age.
Hull Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Hull totals about $26 per month. Looking at the table above, you can see that female drivers pay around $82 on average, while male drivers typically pay $108 each month.
Hull Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge 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. The rate for drivers in Hull with a single accident on their record is about $210 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Hull Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$90|
According to the first table above, the cheapest vehicles to insure in Hull are typically trucks and vans, at $65 per month.
Car owners, on the other hand, by and large pay around $103 a month, while SUV drivers can expect to pay about $79 per month for insurance coverage.
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, if your car is a few years old, you can expect to see your rates start dropping back down. In Hull, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Hull Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Hull as well, where the difference is around $33 a month.
Hull Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Another factor taken into consideration is your living situation. Renters can expect to pay around $25 a month more than those who own their own home in Hull. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hull, GA
Recent trends in car insurance for Hull drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Hull increased from 2017-2018, before steadying out in 2019. They finished up in 2022, at $117 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 number of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Road Safety (how many accidents each locality has)
- Local laws
- Total number of drivers in the region
- Rate of crime
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hull?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Hull.
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Hull Auto 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 like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Hull 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hull?
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 Hull?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Hull or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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