Jasper, GA Car Insurance

Residents of Jasper pay around $92 monthly for their car insurance coverage. For more information refer to our guide below.
What rates should residents of Jasper expect to pay for their car insurance? How do rates in Jasper measure up compared to neighboring areas, including Georgia as a whole? 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$92
GA$104
United States$80

As you can see in the chart above, it is around $12 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 to insure their vehicle than in the rest of the country. The average monthly payment in Jasper is about $12 more expensive than the rate for the rest of the U.S.

These may be the average auto insurance rates for Jasper, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down average rates for Jasper residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP 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$163
25-34$83
35-44$67
45-54$69
55-64$54
65+$78

The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Jasper drivers may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$99
Female$86

In general, female drivers pay less for car insurance than their male counterparts. This is true in Jasper, where women pay around $13 less a month. As you can see in the table above, female drivers in the area typically pay $86 on average, while female drivers typically pay $99 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$157
1 Ticket$128
Multiple Tickets$263

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Jasper, a driving record with a single accident will usually get you a rate around $160 a month. In addition, drivers with one ticket can expect to pay around $128 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$90
2-3 Years$65
4-5 Years$68
6-7 Years$69
8-10 Years$108
11-14 Years$90
15 Years or Older$91

According to the first table above, the cheapest vehicles to insure in Jasper are by and large SUVs, at $73 per month.

Car owners will see rates of about $101, while truck and van owners usually pay around $85 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Jasper, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$111
Married$64
Divorced$67
Widowed$73

More often than not, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles 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 Jasper as well, where the difference is around $47 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$70
Rent$107
Live with parents$121

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $37 a month more than those who own their own home in Jasper. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

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 choosing when and where to shop.

In Jasper, the rates for auto insurance rose steadily from 2016 through the present, where they reached $145 a month in 2021.

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 a monthly rate, car insurance companies will consider numerous factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Total number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Access to off-street parking
  • Regional laws
  • Regional crime rates

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Jasper?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Jasper.

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Jasper Insurance FAQs

What factors affect car insurance quotes in Jasper?

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 age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Jasper 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, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Jasper 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.

Find your best rate in just a few minutes