Table of contents
How much is car insurance in Moultrie?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Moultrie is about $36 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Moultrie is rather affordable. You can expect to pay about $11 less for your policy in Moultrie than in the rest of United States.
Bear in mind that while these rates are the average costs for Moultrie residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Moultrie so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up a bit in Moultrie.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. Male and female drivers in Moultrie, however, both pay the same monthly amount to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Moultrie, a driving record with a single accident will usually get you a rate around $85 a month. In addition, drivers with a single ticket on their record can expect to pay around $72 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$67|
According to the first table above, cars, trucks, and vans are by and large the cheapest vehicles to insure in Moultrie, with drivers paying around $69 per month for insurance.
SUV owners, meanwhile, pay on average $73 per month for insurance coverage.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Moultrie, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Moultrie, the difference in rates based on relationship status can be as much as $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $4 less than homeowners in Moultrie. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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, the rates for auto insurance had been decreasing from 2017-2018, before steadying out in 2019. Insurance rates decreased again recently, hitting a low of $57 in 2022.
How does Moultrie compare to neighboring areas?
Why are car insurance rates in Moultrie different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Frequency of car accidents
- Total number of drivers in the region
- Off-street parking access
- Regional crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Moultrie.
Moultrie Insurance FAQs
What factors affect car insurance quotes in Moultrie?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Moultrie different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 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 however, 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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Moultrie or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?