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How much is car insurance in Jasper?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Jasper is about $5 cheaper than it is in the rest of Georgia.
On the other hand, the expected monthly payments for an auto insurance policy in Jasper are above the national average. It's around $20 more expensive to insure your vehicle in Jasper compared to the average rate for the rest of the U.S.
Although these are the average car insurance rates in Jasper, 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Jasper to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Jasper Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may rise again in Jasper.
Jasper Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Jasper is about $22 per month. Looking at the table above, you can see that female drivers pay around $90 on average, while male drivers typically pay $112 each month.
Jasper Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Jasper with one accident will pay around $197 a month. In addition, drivers with one ticket can expect to pay around $118 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Jasper Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$90|
|15 Years or Older||$96|
As you can see in the first table above, the cheapest vehicles to insure in Jasper are usually SUVs, which run about $76 per month.
Car owners, on the other hand, by and large pay around $110 a month, while truck and van drivers can expect to pay about $101 per month for car insurance.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Jasper, the most expensive vehicles to insure are vehicles six-to-seven years old.
Jasper Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$119|
On average, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Jasper follows that pattern, with the difference totaling to around $54 a month.
Jasper Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $44 a month more than drivers who own property in Jasper. But if you live with your parents, you can expect to pay a lot 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 Jasper, GA
Recent trends in car insurance for Jasper 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.
The cost of car insurance in Jasper had been increasing consistently from 2017-2021. It finished down in 2022, at $81.
How does Jasper compare to neighboring areas?
Why are car insurance rates in Jasper different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Off-street parking accessibility
- Regional crime rates
- Road Safety (frequency of local car accidents)
- Number of drivers in the community
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Jasper.
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Jasper Auto 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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Jasper different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Jasper?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jasper?
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. 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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