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How much is car insurance in Jefferson?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Jefferson is about $21 cheaper than it is in the rest of Georgia.
On the other hand, residents of Jefferson might expect to pay higher rates for coverage than the rest of the country. It's about $4 more expensive than the national average to insure your vehicle in Jefferson.
While these are the average car insurance rates for Jefferson, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down average rates for Jefferson 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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Jefferson 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. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $64 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates start to rise again in Jefferson.
Jefferson Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Jefferson totals about $7 per month. Based on the chart above, you can see that female drivers pay around $81 on average, while male drivers typically pay $88 each month.
Jefferson Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Jefferson, a driving record with one accident will usually get you a rate around $138 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.
Jefferson Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$79|
The cheapest vehicles to insure in Jefferson are by and large trucks and vans, with each type typically costing about $79 per month.
Car owners will see a monthly premium of about $88, while SUV owners usually pay around $83 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Jefferson, the most expensive vehicles to insure are vehicles four-to-five years old.
Jefferson Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Jefferson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.
Jefferson Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than homeowners 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 overall costs, depending on your insurance company.
Car Insurance Companies in Jefferson, GA
Recent trends in car insurance for Jefferson drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Jefferson had been increasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $74 per month
How does Jefferson compare to neighboring areas?
Why are car insurance rates in Jefferson different from other areas?
Car insurance companies look at a lot of factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Local laws
- Road Safety (how many accidents each locality has)
- Amount of off-street parking
- Amount of drivers in the area
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 learn more.
How can I find the cheapest car insurance in Jefferson?
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.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Jefferson.
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Jefferson Auto Insurance FAQs
What factors affect car insurance quotes in Jefferson?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Jefferson different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jefferson?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Jefferson 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.
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