McDonough, GA Car Insurance

The average cost for car insurance in McDonough is about $108 a month. We cover plan rates, policies and more in our guide below.
What rates can residents of McDonough expect to pay for their car insurance? How do rates in McDonough measure up compared to neighboring areas, including Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in McDonough?

Area Average Monthly Car Insurance Premium
Mcdonough$108
GA$103
United States$80

Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Mcdonough than it is in the rest of Georgia.

If you're considering relocating to Mcdonough from out of state, you may want to budget a little extra for your insurance. It's around $28 more expensive to insure your vehicle in Mcdonough compared to the average rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Mcdonough, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 policy payment.

We've broken down average rates for Mcdonough to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$162
25-34$108
35-44$96
45-54$85
55-64$80
65+$82

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may start to rise again in McDonough.

Average Car Insurance Rates by Gender

Gender Average
Male$112
Female$105

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in McDonough totals about $7 a month. Based on the chart above, you can see that female drivers pay around $105 on average, while male drivers typically pay $112 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$168
Multiple Accidents$205
1 Ticket$135
Multiple Tickets$223

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In McDonough, drivers with one accident on their record will experience rates around $135 a month. Likewise, drivers with one ticket will be looking at a rate of around $168 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$119
2-3 Years$122
4-5 Years$104
6-7 Years$108
8-10 Years$108
11-14 Years$105
15 Years or Older$108

According to the first table above, the cheapest vehicles to insure in McDonough are usually SUVs, at $97 per month.

Car owners, on the other hand, typically pay around $112 per month, while truck and van drivers can expect to pay about $102 a month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Overall, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in McDonough, for example, are vehicles two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$117
Married$84
Divorced$88
Widowed$85

More often than not, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in McDonough reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $33 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$103
Rent$110
Live with parents$124

Another factor that comes into play is your living situation. Renters can expect to pay around $7 a month more than those who own their own home in McDonough. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in McDonough, GA

Recent trends in car insurance for McDonough drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The cost of auto insurance in McDonough increased steadily from 2016-2020. It finished down in 2021, at $128.

How does McDonough compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Off-street parking availability
  • Area crime rates
  • Total number of drivers in the community
  • Regional laws
  • Road Safety (total number of local car accidents)

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. 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 McDonough?

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.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in McDonough.

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Mcdonough Insurance FAQs

What factors affect car insurance quotes in McDonough?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in McDonough?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to McDonough?

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 Mcdonough 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.

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