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How much is car insurance in LaGrange?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in LaGrange is about $18 cheaper than it is in the rest of Georgia.
That being said the expected monthly payments for an auto insurance policy in LaGrange are above the national average. The cost of auto coverage in Lagrange is about $6 more expensive than the national average.
While these numbers are the average rates for auto insurance in LaGrange, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.
But don't worry, we've broken down the average rate for LaGrange residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $68 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in LaGrange may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in LaGrange, where women pay around $12 less per month than men. Based on the chart above, you can see that male drivers pay $94 on average, while female drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In LaGrange, drivers with one accident on their record will experience rates around $108 a month. In addition, drivers with a single ticket on their record can expect to pay around $110 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$81|
In terms of affordable coverage, the cheapest vehicles to insure in LaGrange are by and large trucks and vans, at $83 per month.
Car owners will see a monthly premium of about $88, while SUV owners usually pay around $84 a month.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In LaGrange, vehicles two-to-three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. LaGrange follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$98|
One other element taken into consideration is your housing situation. In LaGrange, homeowners can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 LaGrange, GA
Recent trends in car insurance for LaGrange drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of auto insurance in LaGrange went up steadily from 2016-2020. It finished down in 2021, at $75.
How does LaGrange compare to neighboring areas?
Why are car insurance rates in LaGrange different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Regional regulations
- Off-street parking availability
- Number of drivers in the region
- Road Safety (frequency of local car accidents)
- Crime levels
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in LaGrange?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in LaGrange.
LaGrange Insurance FAQs
What factors affect car insurance quotes in LaGrange?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in LaGrange different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in LaGrange?
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 LaGrange?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Lagrange 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?