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How much is car insurance in Morrow?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Morrow will typically run you about $19 a month more than in the rest of Georgia.
Likewise, Morrow residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Morrow is about $43 more expensive than the national average.
Keep in mind that while these are the average car insurance rates for Morrow, 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 coverage. 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 worry, we've done the work for you and broken down the average rates for Morrow to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Morrow may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for auto insurance in Morrow, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key 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. In Morrow, drivers with one accident on their record will experience rates around $167 a month. In addition, drivers with one ticket can expect to pay around $151 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$128|
|15 Years or Older||$118|
The cheapest vehicles to insure in Morrow are usually trucks and vans, with each type typically costing about $102 per month.
Car owners will see a monthly bill of about $129, while SUV owners typically pay around $114 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Morrow are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$135|
On average, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Morrow can be as much as $40 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Morrow, expect to pay around $4 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Morrow, GA
Recent trends in car insurance for Morrow 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.
In Morrow, the rates for car insurance went up consistently from 2016 through the present, where they hit $192 a month in 2021.
How does Morrow compare to neighboring areas?
Why are car insurance rates in Morrow different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Community regulations
- Total number of drivers
- Crime rates
- Road safety
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Morrow?
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.
But hold on! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Morrow.
Morrow Insurance FAQs
What factors affect car insurance quotes in Morrow?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Morrow different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Morrow?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Morrow?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Morrow or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.