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How much is car insurance in Peachtree City?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Peachtree City are about $11 a month cheaper than in the rest of Georgia.
That being said the expected monthly payments for an auto insurance policy in Peachtree City are above the national average. It's about $14 more expensive for coverage in Peachtree City than the average rates for the U.S. as a whole.
These may be the average auto insurance rates for Peachtree City, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down average rates for Peachtree City residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Peachtree City Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $105 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Peachtree City.
Peachtree City Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Peachtree City, where women pay around $18 less per month than men. As you can see in the table above, male drivers in the area typically pay $102 on average, while female drivers typically pay $84 each month.
Peachtree City 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 can expect to pay much less than those with infractions. In Peachtree City, a driving record with a single accident will usually get you a rate around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $101.
Peachtree City Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$90|
If you look at the first table above, you'll see that SUVs and cars are usually the cheapest vehicles to insure in Peachtree City, with drivers paying around $94 per month for insurance coverage.
SUV owners can expect to pay an average of around $94 a month for their policy, while truck and van drivers are usually around $96 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Peachtree City, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Peachtree City Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
More often than not, married policyholders will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Peachtree City is about $32 a month, with married couples paying less for coverage than single drivers.
Peachtree City Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor that comes into play is your housing situation. Homeowners in Peachtree City can expect to pay around $24 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Peachtree City, GA
Recent trends in car insurance for Peachtree City 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 Peachtree City had been increasing steadily from 2017-2021. Insurance rates finished down in 2022, at $84.
How does Peachtree City compare to neighboring areas?
Why are car insurance rates in Peachtree City different from other areas?
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Crime levels
- General road safety (how many accidents each locality has)
- Number of drivers in the region
- Access to off-street parking
- Local laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Peachtree City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Peachtree City.
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Peachtree City Auto Insurance FAQs
What factors affect car insurance quotes in Peachtree City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Peachtree City 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 local laws, parking situations, 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 Peachtree City?
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 Peachtree City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Peachtree City 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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