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How much is car insurance in Jefferson?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $20 a month cheaper to insure your vehicle in Jefferson than it is in the rest of Georgia.
Compared to the national average cost of auto coverage, Jefferson has higher rates. The average monthly payment in Jefferson is about $5 more expensive than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Jefferson, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Jefferson so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may begin to go back up in Jefferson.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Jefferson, this difference shakes out to about $8 a month. As you can see in the table above, male drivers in the area typically pay $90 on average, while female drivers typically pay $82 each month.
Average 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 get you a lower rate than one with even just a single accident or infraction. In Jefferson, a driving record with one accident will usually get you a rate around $140 a month. In addition, drivers with one ticket can expect to pay around $108 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$79|
In terms of affordable coverage, the cheapest vehicles to insure in Jefferson are typically trucks and vans, at $79 per month.
SUV drivers will see rates of about $85 to insure their car, while car owners by and large pay around $89 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Jefferson, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
More often than not, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Jefferson follows that pattern, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Jefferson. 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 Jefferson, GA
Recent trends in car insurance for Jefferson drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Jefferson, auto insurance rates went up from 2017-2019, before leveling out in 2020. Car insurance rates finished down in 2022, at $73 a month
How does Jefferson compare to neighboring areas?
Why are car insurance rates in Jefferson different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers in the community
- Local crime rates
- Regional regulations
- Access to off-street parking
- General road safety (how many accidents each locality has)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Jefferson?
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 hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Jefferson.
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Jefferson Insurance FAQs
What factors affect car insurance quotes in Jefferson?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Jefferson 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 Jefferson?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jefferson?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Jefferson or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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