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How much is car insurance in Morrow?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Morrow are about $22 a month more expensive than the rest of Georgia.
Similarly, residents of Morrow might expect to pay higher rates for coverage than the rest of the country. It's around $47 more expensive for coverage in Morrow than the average rates seen in the rest of the U.S.
Although these are the average rates for auto insurance in Morrow, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rates for Morrow residents based on several different factors 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 below and find out!
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Morrow Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may begin to go back up in Morrow.
Morrow Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Morrow, where women pay around $6 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $125 each month, while men pay $131 on average.
Morrow 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 clean records will obviously pay significantly less than those with infractions. Drivers in Morrow with a single accident will pay around $179 a month. Similarly, drivers with one ticket will typically pay around $155 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Morrow Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$120|
In Morrow, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $107 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $137 a month, while SUV drivers can expect to pay about $112 per month for insurance coverage.
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. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Morrow, the most expensive vehicles to insure are vehicles four-to-five years old.
Morrow Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$139|
More often than not, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Morrow is no exception, with the difference totaling to around $42 a month.
Morrow Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Morrow. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Morrow, GA
Recent trends in car insurance for Morrow drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Morrow, car insurance rates had been increasing steadily from 2017-2021. They finished down in 2022, at $103.
How does Morrow compare to neighboring areas?
Why are car insurance rates in Morrow different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the region
- Rate of crime
- Regional regulations
- Rate of car accidents
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Morrow?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Morrow.
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Morrow Auto 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 age and gender, 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?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Morrow?
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 however, by using 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?
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 Morrow 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.
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