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How much is car insurance in Leesburg?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Leesburg is about $34 a month cheaper.
Similarly, car insurance rates in Leesburg are more affordable than the national average. It's about $9 cheaper than the national average to insure your vehicle in Leesburg.
Although these are the average rates for auto insurance in Leesburg, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Leesburg and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $45 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Leesburg may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Leesburg, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Leesburg with a single accident on their record will usually see rates around $93 a month. Likewise, drivers with one ticket will be looking at a rate of around $72 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$71|
In Leesburg, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $70 per month to insure their vehicle.
Car owners will see a monthly rate of about $71, while SUV owners typically pay around $76 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Leesburg, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
According to the table above, the difference in rates based on relationship status in Leesburg can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Leesburg. But if you live with your parents, you 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 Leesburg, GA
Recent trends in car insurance for Leesburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Leesburg, the rates for car insurance had been increasing from 2017-2019, when they reached a high of $85. This trend changed in 2020, when they began to decrease, and have continued on that road through the present -- when policy premiums hit a low of $59 per month.
How does Leesburg compare to neighboring areas?
Why are car insurance rates in Leesburg different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Total amount of drivers in the community
- Road Safety (how many accidents each locality has)
- Crime rates
- Availability of off-street parking
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Leesburg?
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. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Leesburg.
Leesburg Insurance FAQs
What factors affect car insurance quotes in Leesburg?
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, credit score, driving record, and marital status.
Why is the cost of car insurance in Leesburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Leesburg?
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 Leesburg?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Leesburg 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.