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How much is car insurance in Lagrange?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Lagrange typically costs about $22 a month less than it does in the rest of Georgia.
Compared to the national average cost of auto coverage, Lagrange has higher rates. It's about $3 more expensive than the national average to insure your vehicle in Lagrange.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.
Don't sweat it however, we've broken down average rates for Lagrange residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Lagrange Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Lagrange.
Lagrange Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Lagrange, the difference comes out to about $10 a month. As you can see in the table above, female drivers in the area typically pay $80 on average, while female drivers typically pay $90 each month.
Lagrange Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Lagrange, a driving record with a single accident will usually get you a rate around $107 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $112.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Lagrange Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Lagrange are usually trucks and vans, at $75 per month.
Car owners can expect to pay an average of around $86 a month for their policy, while SUVs usually cost around $81 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Lagrange are vehicles four-to-five years old.
Lagrange Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly 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 $19 a month.
Lagrange Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living accommodations is another factor that affects your monthly rate. The average rates for both homeowners and renters in Lagrange are around $83 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Lagrange, GA
Recent trends in car insurance for Lagrange drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Lagrange, car insurance rates had been increasing from 2017-2020, when they reached a high of $97. This trend changed in 2021, when they began to decrease, and have continued to do so through 2022, when rates hit a low of $65 per month.
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 a number of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local crime rates
- Road Safety (how many accidents each locality has)
- Regional regulations
- Off-street parking access
- Total number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Lagrange?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Lagrange.
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Lagrange Auto Insurance FAQs
What factors affect car insurance quotes in Lagrange?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Lagrange different from other neighboring cities?
Things like local laws, crime rates, 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 Lagrange?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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, 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 Lagrange 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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