Table of contents
How much is car insurance in Locust Grove?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Locust Grove than it is in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Locust Grove are above the national average. The cost of insuring a vehicle in Locust Grove is about $32 more expensive than the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Locust Grove, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Locust Grove residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Locust Grove drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Locust Grove, where women pay around $15 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $105 each month, while men pay $120 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Locust Grove, a driving record with one accident will usually get you a rate around $131 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $159.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$145|
|15 Years or Older||$102|
If you look at the first table above, the cheapest vehicles to insure in Locust Grove are by and large SUVs, at $97 per month.
Car owners, on the other hand, typically pay around $117 a month, while truck and van drivers can expect to pay about $105 per month for auto insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Locust Grove are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Locust Grove is about $43 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $21 a month more than drivers who own property in Locust Grove. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Locust Grove, GA
Recent trends in car insurance for Locust Grove drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for car insurance in Locust Grove increased from 2016-2017, before leveling out in 2018. Rates began increasing again in 2019, and finished down in 2021, at $98 a month
How does Locust Grove compare to neighboring areas?
Why are car insurance rates in Locust Grove different from other areas?
There are a lot 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 where you park your car. These include things like:
- Total amount of drivers in the community
- Prevalence of crime
- Road Safety (frequency of car accidents)
- Area regulations
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Locust Grove?
Equipping 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.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Locust Grove.
Locust Grove Insurance FAQs
What factors affect car insurance quotes in Locust Grove?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Locust Grove different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Locust Grove?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Locust Grove?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Locust Grove 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?