Table of contents
How much is car insurance in Lawrenceville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $14 a month more expensive to insure your vehicle in Lawrenceville than it is in the rest of Georgia.
Likewise, Lawrenceville residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $37 more expensive for coverage in Lawrenceville than the average rates for the U.S. as a whole.
Although these are the average monthly costs for an auto insurance policy in Lawrenceville, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill 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 Lawrenceville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $79 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up in Lawrenceville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Lawrenceville, where women pay around $9 less per month. Based on the chart above, you can see that male drivers pay $122 on average, while female drivers typically pay $113 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Lawrenceville, a driving record with a single accident will usually get you a rate around $155 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $175.
When it comes to your monthly bill, 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.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$114|
The most affordable vehicles to insure in Lawrenceville are typically trucks and vans, which run about $101 per month.
Car owners, on the other hand, usually pay around $121 a month, while SUV drivers can expect to pay about $112 per month for insurance coverage.
You may also see different rates based on your vehicle's age. Overall, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Lawrenceville, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$129|
In Lawrenceville, the difference in rates based on relationship status can be as much as $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$154|
One other element taken into consideration is your housing situation. In Lawrenceville, homeowners can expect to pay around $12 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 Lawrenceville, GA
Recent trends in car insurance for Lawrenceville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when deciding when and where to shop.
Car insurance rates in Lawrenceville decreased from 2016-2017, when they hit a low of $101. This pattern leveled out in 2018, when they began to rise, and have continued moving in that direction through the present, where rates finished at $156 a month.
How does Lawrenceville compare to neighboring areas?
Why are car insurance rates in Lawrenceville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Number of drivers in the region
- Regional crime rates
- Availability of off-street parking
- Local regulations
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Lawrenceville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Lawrenceville.
Lawrenceville Insurance FAQs
What factors affect car insurance quotes in Lawrenceville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Lawrenceville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Lawrenceville?
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 Lawrenceville?
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 Lawrenceville 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?