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How much is car insurance in Moultrie?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $34 a month cheaper to insure your vehicle in Moultrie than it is in the rest of Georgia.
If you're thinking of moving to Moultrie from out of state, you may still be in luck. It's about $9 cheaper to insure your vehicle in Moultrie compared to the average rate for the United States as a whole.
These rates may be the average amount Moultrie drivers pay for their insurance policy, but 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. 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.
Don't sweat it however, we've broken down average rates for Moultrie residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Moultrie Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $35 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Moultrie.
Moultrie Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly premiums, the difference in Moultrie is only about $1 per month.
Moultrie Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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. In Moultrie, a driving record with a single accident will usually get you a rate around $90 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $71.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Moultrie Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$69|
If you look at the first table above, the cheapest vehicles to insure in Moultrie are usually cars, trucks, and vans, at $69 per month.
SUV owners, however, pay about $75 per month for insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Moultrie, vehicles six-to-seven years old are the most expensive to insure.
Moultrie Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Moultrie reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Moultrie Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 less than drivers who own property in Moultrie. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, 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.
The rates for car insurance in Moultrie decreased from 2017-2018, before steadying out in 2019. Policy premiums decreased again, hitting a low of $61 in 2021, before finishing up at $68 in 2022.
How does Moultrie compare to neighboring areas?
Why are car insurance rates in Moultrie different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Off-street parking accessibility
- Number of drivers in the region
- Area regulations
- General road safety (how many accidents each locality has)
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 get started.
How can I find the cheapest car insurance in Moultrie?
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 does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Moultrie.
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Moultrie Auto 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 gender and age, but also factors like your driving record, credit score, address 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Moultrie?
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 Moultrie?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Moultrie 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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