Montezuma, GA Car Insurance

On average, Montezuma drivers pay a monthly average rate of around $102 for their car insurance. Learn more in our handy guide below.
What should residents of Montezuma expect to pay for their car insurance? How does Montezuma stack up to the rest of the area, or even Georgia as a whole? 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$102
GA$104
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Montezuma as it does in the rest of Georgia.

Drivers relocating the Montezuma should take note of the differences in average rates. Coverage in Montezuma is about $22 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for Montezuma, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Montezuma residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$148
25-34$75
35-44$60
45-54Not Enough Data
55-64$46
65+$53

More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may climb back up in Montezuma.

Average Car Insurance Rates by Gender

Gender Average
Male$123
Female$69

Female drivers pay, on average, slightly less than their male counterparts. In Montezuma, the difference is around $54 per month. As illustrated in the table above, female drivers in the area pay about $69 on average, while male drivers pay around $123 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$59
Multiple Accidents$226
1 Ticket$51
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Montezuma with a single accident on their record is about $59 a month. In addition, drivers with a single ticket on their record can expect to pay around $51 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

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$149
8-10 Years$102
11-14 Years$84
15 Years or Older$102

In Montezuma, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $64 per month for auto insurance.

SUV drivers will see rates of about $89, while the rates for car owners average out to about $108 a month.

The age of your vehicle can also affect your monthly bill. 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 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)$106
Married$84
Divorced$59
Widowed$52

On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

In Montezuma, the difference in rates based on relationship status can be as much as $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$120
Rent$71
Live with parents$76

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $49 less than homeowners in Montezuma. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Montezuma, GA

Recent trends in car insurance for Montezuma drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The rates for car insurance in Montezuma had been increasing from 2016-2018, where they hit a high of $96, before steadying out in 2019. Rates rose once again in 2020, and have continued rising through 2021, where they reached $196 per month.

How does Montezuma compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking availability
  • Total number of drivers in the community
  • Number of car accidents
  • Regional crime rates
  • Local regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Montezuma?

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.

Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Montezuma.

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Montezuma Insurance FAQs

What factors affect car insurance quotes in Montezuma?

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, as well as your driving record, credit score, address, and marital status.

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

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

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 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?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Montezuma or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes