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How much is car insurance in Lawrenceville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $20 a month more expensive to insure your vehicle in Lawrenceville than it is in the rest of Georgia.
The average cost of insuring your vehicle in Lawrenceville is above the national rate. The average monthly payment for the rest of the U.S. is about is about $45 cheaper than it is in Lawrenceville.
Although these are the average rates for auto insurance in Lawrenceville, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Lawrenceville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Lawrenceville Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Lawrenceville.
Lawrenceville Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Lawrenceville, male drivers pay about $13 more per month. As you can see in the table above, male drivers in the area typically pay $131 on average, while female drivers typically pay $118 each month.
Lawrenceville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Lawrenceville, a driving record with a single accident will usually get you a rate around $165 a month. In addition, drivers with one ticket can expect to pay around $142 a month on average.
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.
Lawrenceville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$163|
|15 Years or Older||$118|
In terms of affordable coverage, the cheapest vehicles to insure in Lawrenceville are usually trucks and vans, at $101 per month.
Car owners, on the other hand, by and large pay around $131 a month, while SUV drivers can expect to pay about $117 per month for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Lawrenceville are vehicles less than one year old.
Lawrenceville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$137|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Lawrenceville is no exception, with the difference totaling to around $45 a month.
Lawrenceville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $20 a month more than homeowners in Lawrenceville. 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 Lawrenceville, GA
Recent trends in car insurance for Lawrenceville 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 Lawrenceville went up consistently from 2017-2021. It finished down in 2022, at $99.
How does Lawrenceville compare to neighboring areas?
Why are car insurance rates in Lawrenceville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Total number of drivers
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Local laws
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 Lawrenceville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Lawrenceville.
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Lawrenceville Auto Insurance FAQs
What factors affect car insurance quotes in Lawrenceville?
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Lawrenceville 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Lawrenceville?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lawrenceville?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lawrenceville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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