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How much is car insurance in Moultrie?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $32 a month more expensive than it is in Moultrie.
Drivers relocating from out of state may enjoy some cost savings in Moultrie. On average, it's about $8 less to insure your vehicle in Moultrie than it is in the rest of the U.S.
These rates may be the average amount residents of Moultrie pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down average rates for Moultrie to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up a bit in Moultrie.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Moultrie is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Moultrie with a single accident on their record will usually see rates around $99 a month. Likewise, drivers with one ticket will be looking at a rate of around $95 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$70|
According to the first table above, the cheapest vehicles to insure in Moultrie are usually trucks and vans, at $70 per month.
Car owners will see a monthly bill of about $71, while SUV owners typically pay around $75 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally 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. In Moultrie, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Overall, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will 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 Moultrie, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your living situation. Renters can expect to pay around $3 a month less than those who own their own home in Moultrie. But if you live with your parents, you 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 Moultrie, GA
Recent trends in car insurance for Moultrie 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 Moultrie, car insurance rates rose from 2016-2017, when they reached a high of $76. This trend changed in 2020, when they began to decrease, and have continued moving in that direction through the present -- when rates hit a low of $45 a month.
How does Moultrie compare to neighboring areas?
Why are car insurance rates in Moultrie different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Crime rates
- Total amount of drivers in the community
- Off-street parking access
- Area regulations
- Number of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Moultrie?
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 does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Moultrie.
Moultrie Insurance FAQs
What factors affect car insurance quotes in Moultrie?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Moultrie different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Moultrie?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Moultrie?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Moultrie 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.