McDonough, GA Car Insurance

On average, Mcdonough drivers pay around $114 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Mcdonough measure up compared to neighboring areas, including Georgia as a whole? How much can residents of Mcdonough expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Mcdonough?

Area Average Monthly Car Insurance Premium
Mcdonough$114
GA$106
United States$81

Auto insurance policies in Mcdonough are about $8 a month more expensive than the rest of Georgia.

Compared to the national average cost of auto coverage, Mcdonough has higher rates. The cost of auto coverage in Mcdonough is about $33 more expensive than the national average.

Keep in mind that while these are the average car insurance rates for Mcdonough, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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.

We've analyzed the average rate for Mcdonough and broken down the different factors to help you understand what exactly you might be asked to pay. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$180
25-34$113
35-44$97
45-54Not Enough Data
55-64$80
65+$81

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Mcdonough may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$121
Female$109

In general, female drivers pay less for car insurance than their male counterparts. This is true in Mcdonough, where male drivers pay about $12 more per month. Based on the chart above, you can see that female drivers pay around $109 on average, while male drivers typically pay $121 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$139
Multiple Accidents$212
1 Ticket$128
Multiple Tickets$196

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Mcdonough with a single accident on their record is about $139 a month. In addition, drivers with a single ticket on their record can expect to pay around $128 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$126
2-3 Years$128
4-5 Years$120
6-7 Years$118
8-10 Years$113
11-14 Years$109
15 Years or Older$112

The cheapest vehicles to insure in Mcdonough are typically SUVs, trucks, and vans, with each type typically costing about $100 per month.

The bill for car owners, however, is about $121 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Mcdonough, 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)$123
Married$85
Divorced$88
Widowed$84

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Mcdonough, with married couples paying about $38 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$108
Rent$116
Live with parents$129

One other element taken into consideration is your housing situation. In Mcdonough, homeowners can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 car insurance costs.

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 car insurance coverage in Mcdonough had been increasing consistently from 2017-2021. It finished down in 2022, at $100.

How does Mcdonough compare to neighboring areas?

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

Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Regional crime rates
  • Total amount of drivers in the area
  • Off-street parking availability
  • Frequency of car accidents
  • Laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge 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?

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.

Fortunately, Compare.com does all of that work for you. Just enter 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 providing coverage in Mcdonough.

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Mcdonough Insurance FAQs

What factors affect car insurance quotes in Mcdonough?

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 Mcdonough 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 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?

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. 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 Mcdonough or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes