Table of contents
How much is car insurance in Jonesboro?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month more expensive to insure your vehicle in Jonesboro than it is in the rest of Georgia.
Likewise, Jonesboro residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Jonesboro is about $38 more expensive than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Jonesboro, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.
But don't worry, we've broken down the average rate for Jonesboro residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $88 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Jonesboro.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Jonesboro totals about $11 per month. As you can see in the chart above, car insurance for women in the area typically costs around $113 each month, while men pay $124 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Jonesboro with one accident will pay around $153 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $209.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$140|
|15 Years or Older||$112|
The most affordable vehicles to insure in Jonesboro are typically trucks and vans, which run about $98 per month.
SUV drivers will see rates of about $115, while the rates for car owners average out to about $121 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Jonesboro, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Jonesboro as well, where the difference is around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$136|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Jonesboro. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Jonesboro, GA
Recent trends in car insurance for Jonesboro drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of car insurance coverage in Jonesboro had been increasing consistently from 2016 through the present, where they hit $165 per month in 2021.
How does Jonesboro compare to neighboring areas?
Why are car insurance rates in Jonesboro different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area crime rates
- Number of car accidents
- Area regulations
- Amount of drivers in the community
- Access to off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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 Jonesboro?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Simply enter 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 policies in Jonesboro.
Jonesboro Insurance FAQs
What factors affect car insurance quotes in Jonesboro?
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 Jonesboro 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 Jonesboro?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Jonesboro?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Jonesboro or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.