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How much is car insurance in Perry?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Perry is about $26 cheaper than it is in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Perry is rather affordable. You can expect to pay about $1 below the national average for auto insurance in Perry.
Bear in mind that while these rates are the average costs for Perry 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't worry, we've done the work for you and broken down the average rates for Perry to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Perry Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Perry.
Perry Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Perry, however, both pay around $79 per month for car insurance.
Perry Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Perry, having a single accident on your record will usually get you rates around $113 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $93 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Perry Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$91|
|15 Years or Older||$75|
The most affordable vehicles to insure in Perry are typically trucks and vans, which run about $76 per month.
Car owners will see a monthly bill of about $78, while SUV owners by and large pay around $85 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Perry, vehicles less than one year old are the most expensive to insure.
Perry Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Perry as well, where the difference is around $12 a month.
Perry Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Perry, homeowners can expect to pay around $4 a month less than those who rent. But if you live with your parents, you 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 Perry, GA
Recent trends in car insurance for Perry 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 cost of auto insurance coverage in Perry had been increasing from 2017-2019, before steadying out in 2020. Policy premiums finished down in 2022, at $59 per month
How does Perry compare to neighboring areas?
Why are car insurance rates in Perry different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Availability of off-street parking
- Total amount of drivers in the area
- Number of car accidents
- Area crime rates
- Community regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Perry?
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.
But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Perry.
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Perry Auto Insurance FAQs
What factors affect car insurance quotes in Perry?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Perry different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Perry?
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 Perry?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Perry or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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