LaGrange, GA Car Insurance

On average, Lagrange drivers pay a monthly average rate of around $84 for their car insurance. Check out our guide below to find out how much you'll pay.
How does Lagrange stack up to the rest of the area, or even Georgia as a whole? What rates can residents of Lagrange expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lagrange?

Area Average Monthly Car Insurance Premium
Lagrange$84
GA$106
United States$81

As you can see in the chart above, it is around $22 a month cheaper to insure your vehicle in Lagrange than it is in the rest of Georgia.

Drivers relocating the Lagrange should take note of the differences in average rates. You can expect to pay about $3 more for your policy in Lagrange.

While these numbers represent the average monthly payments for coverage in Lagrange, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

But don't worry, 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!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$139
25-34$83
35-44$75
45-54$70
55-64$68
65+$70

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may begin to increase again in Lagrange.

Average Car Insurance Rates by Gender

Gender Average
Male$92
Female$80

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 $92 on average, while female drivers typically pay $80 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$154
1 Ticket$114
Multiple Tickets$135

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Lagrange, drivers with one accident on their record will experience rates around $107 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $114.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$81
2-3 Years$120
4-5 Years$96
6-7 Years$87
8-10 Years$87
11-14 Years$88
15 Years or Older$77

In terms of affordable coverage, the cheapest vehicles to insure in Lagrange are usually trucks and vans, at $76 per month.

Car owners can expect to pay an average of around $87 a month for their policy, while SUVs usually cost around $82 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Lagrange, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$89
Married$68
Divorced$70
Widowed$81

Generally, people who are married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Lagrange is about $21 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$84
Live with parents$96

Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Lagrange can expect to pay around $1 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 choosing when and where to shop.

In Lagrange, car insurance rates rose from 2017-2020, when they reached a high of $97. This trend shifted in 2021, when they began to decrease, and have continued moving in that direction through 2022, when policy premiums hit a low of $61 a month.

How does Lagrange compare to neighboring areas?

Why are car insurance rates in Lagrange different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already talked about 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 region
  • Regional regulations
  • Road Safety (frequency of car accidents)
  • Prevalence of crime
  • Off-street parking availability

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 Lagrange?

While knowing 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.

Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Lagrange.

Compare the cheapest quotes from dozens of insurance companies

Lagrange Insurance FAQs

What factors affect car insurance quotes in Lagrange?

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 marital status, credit score, address, and driving record.

Why is the cost of car insurance in Lagrange different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lagrange or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes