Jasper, GA Car Insurance

Jasper drivers pay, on average, around $99 a month for their car insurance. Learn more in our handy guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Jasper stack up? What about against the rest of Georgia? What rates can residents of Jasper 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 Jasper?

Area Average Monthly Car Insurance Premium
Jasper$99
GA$106
United States$81

Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Jasper than it is in the rest of Georgia.

On the other hand, Jasper residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $18 more expensive for coverage in Jasper than the average rates for the U.S. as a whole.

These rates may be the average amount Jasper drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Jasper 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 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$179
25-34$88
35-44$64
45-54Not Enough Data
55-64$58
65+$77

Generally speaking, the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Jasper.

Average Car Insurance Rates by Gender

Gender Average
Male$112
Female$89

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Jasper, where women pay around $23 less per month. Based on the chart above, you can see that male drivers pay $112 on average, while female drivers typically pay $89 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$198
Multiple Accidents$135
1 Ticket$114
Multiple Tickets$264

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Jasper, a driving record with one accident will usually get you a rate around $198 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $114.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$90
2-3 Years$88
4-5 Years$78
6-7 Years$142
8-10 Years$102
11-14 Years$94
15 Years or Older$97

According to the first table above, SUVs are usually the cheapest vehicles to insure in Jasper, with drivers paying around $74 per month for auto insurance.

Truck and van drivers will see rates of about $101 for auto insurance coverage, while car owners by and large pay around $110 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Jasper, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$120
Married$64
Divorced$67
Widowed$73

More often than not, married policyholders will pay slightly less for car insurance coverage. 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 Jasper as well, where the difference is around $56 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$72
Rent$118
Live with parents$119

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $46 a month more than if you own your own home in Jasper. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Jasper, GA

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Jasper, the rates for auto insurance rose consistently from 2017-2021. They finished down in 2022, at $64.

How does Jasper compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Road Safety (how many accidents each locality has)
  • Access to off-street parking
  • Crime rates
  • Total number of drivers
  • Local regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Jasper?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Jasper.


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Jasper Insurance FAQs

What factors affect car insurance quotes in Jasper?

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 year, make and model, plus your marital status, address, credit score, and driving record.

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

Crime rates, parking situations, and local laws -- 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 Jasper?

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 Jasper?

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jasper or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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