Montezuma, GA Car Insurance

Montezuma drivers pay, on average, around $110 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Montezuma compare to the surrounding area and the rest of Georgia? What rates should residents of Montezuma expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Montezuma?

Area Average Monthly Car Insurance Premium
Montezuma$110
GA$106
United States$81

Looking at the chart above, you can see that it is around $4 a month more expensive to insure your vehicle in Montezuma than it is in the rest of Georgia.

Drivers relocating the Montezuma should take note of the differences in average rates. It's around $29 more expensive to insure your vehicle in Montezuma compared to the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Montezuma, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Montezuma residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$159
25-34$80
35-44$61
45-54$59
55-64$43
65+$53

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $106 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to increase again in Montezuma.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$68

In general, car insurance rates for women are usually cheaper than they are for men. This is true in Montezuma, where women pay around $66 less a month. As illustrated in the table above, male drivers in the area pay about $134 on average, while female drivers pay around $68 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$135
Multiple Accidents$218
1 Ticket$85
Multiple Tickets$122

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Montezuma with a single accident on their record is about $135 a month. Similarly, drivers with one ticket will typically pay around $85 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$56
2-3 Years$181
4-5 Years$102
6-7 Years$157
8-10 Years$120
11-14 Years$94
15 Years or Older$101

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Montezuma, with drivers paying around $63 per month for auto insurance.

Car owners will see a monthly premium of about $118, while SUV owners typically pay around $87 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 cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Montezuma, 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)$115
Married$82
Divorced$56
Widowed$50

Generally, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Montezuma, with married couples paying about $33 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$129
Rent$81
Live with parents$76

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $48 a month less than homeowners in Montezuma. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Montezuma, GA

Recent trends in car insurance for Montezuma drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Montezuma increased from 2017-2018, where they reached a high of $96, before leveling out in 2019. Rates rose again in 2020, and finished down at $52 in 2022.

How does Montezuma compare to neighboring areas?

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

Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Area laws
  • Road Safety (total number of local car accidents)
  • Total drivers
  • Rate of crime
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Montezuma?

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.

Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Montezuma.

Compare the cheapest quotes from dozens of insurance companies

Montezuma Insurance FAQs

What factors affect car insurance quotes in Montezuma?

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 Montezuma different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Montezuma?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Montezuma or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes