Table of contents
How much is car insurance in Milledgeville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $13 a month cheaper to insure your vehicle in Milledgeville than it is in the rest of Georgia.
On the other hand, drivers in Milledgeville may pay higher rates than the rest of the country. The average monthly payment in Milledgeville is about $12 more expensive than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Milledgeville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Milledgeville to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in Milledgeville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Milledgeville is around $6 a month. As illustrated in the table above, female drivers in the area pay about $91 on average, while male drivers pay around $97 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Milledgeville, drivers with one accident on their record will experience rates around $122 a month. Likewise, drivers with one ticket will be looking at a rate of around $112 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$86|
The cheapest vehicles to insure in Milledgeville are usually trucks and vans, with each type typically costing about $80 per month.
SUV drivers will see rates of about $84 to insure their car, while car owners typically pay around $99 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Milledgeville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
Generally, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Milledgeville can be as much as $29 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
Another factor that comes into play is your living situation. Those who own their own home in Milledgeville can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Milledgeville, car insurance rates rose steadily from 2017-2021. They finished down in 2022, at $70.
How does Milledgeville compare to neighboring areas?
Why are car insurance rates in Milledgeville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Road safety
- Amount of drivers
- Local regulations
- Off-street parking accessibility
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Milledgeville.
Milledgeville Insurance FAQs
What factors affect car insurance quotes in Milledgeville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Milledgeville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Milledgeville?
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 Milledgeville?
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. 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?