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How much is car insurance in Milledgeville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $13 a month cheaper to insure your vehicle in Milledgeville than it is in the rest of Georgia.
If you're considering relocating to Milledgeville from out of state, you may want to budget a little extra for your insurance. It's around $12 more expensive to insure your vehicle in Milledgeville compared to the average rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Milledgeville, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Milledgeville residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Milledgeville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $67 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Milledgeville may see their rates climb back up once they hit retirement age.
Milledgeville Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Milledgeville, where male drivers pay about $4 more per month. As you can see in the table above, female drivers in the area typically pay $90 on average, while female drivers typically pay $94 each month.
Milledgeville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Milledgeville, drivers with one accident on their record will experience rates around $120 a month. In addition, drivers with a single ticket on their record can expect to pay around $109 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Milledgeville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$84|
According to the first table above, the cheapest vehicles to insure in Milledgeville are usually trucks and vans, at $79 per month.
Car owners, on the other hand, by and large pay around $98 a month, while SUV drivers can expect to pay about $83 per month for insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Milledgeville are vehicles two-to -three years old.
Milledgeville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
More often than not, 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Milledgeville, with married couples paying about $27 less per month.
Milledgeville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
One other element taken into consideration is your living situation. Those who own their own home in Milledgeville can expect to pay around $13 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.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Milledgeville, GA
Recent trends in car insurance for Milledgeville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in Milledgeville increased consistently from 2017-2021. Policy premiums finished down in 2022, at $70.
How does Milledgeville compare to neighboring areas?
Why are car insurance rates in Milledgeville different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local crime rates
- Total amount of drivers in the area
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Local regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Milledgeville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Milledgeville.
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Milledgeville Auto Insurance FAQs
What factors affect car insurance quotes in Milledgeville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Milledgeville 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 Milledgeville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Milledgeville?
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 Milledgeville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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