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How much is car insurance in Port Wentworth?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month more expensive to insure your vehicle in Port Wentworth than it is in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Port Wentworth are above the national average. The average monthly payment for the rest of the U.S. is about is about $40 cheaper than it is in Port Wentworth.
While these are the average car insurance rates for Port Wentworth, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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.
We've done the heavy lifting for you and broken down the average rate for Port Wentworth so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Port Wentworth Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 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. You may see your rates climb back up a bit once you hit retirement in Port Wentworth.
Port Wentworth Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Port Wentworth is only about $2 a month.
Port Wentworth 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 who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Port Wentworth with a single accident on their record will usually see rates around $163 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $108.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Port Wentworth Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$117|
If you look at the first table above, the cheapest vehicles to insure in Port Wentworth are typically trucks and vans, at $73 per month.
Car owners will see a monthly rate of about $128, while SUV owners by and large pay around $113 per month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Port Wentworth, the most expensive vehicles to insure are vehicles two-to -three years old.
Port Wentworth Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
The cost of auto insurance in Port Wentworth reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $48 a month.
Port Wentworth Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$152|
Another factor taken into consideration is your living situation. Renters can expect to pay around $34 a month more than those who own their own home in Port Wentworth. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Port Wentworth, GA
Recent trends in car insurance for Port Wentworth drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of car insurance in Port Wentworth decreased from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $92 a month
How does Port Wentworth compare to neighboring areas?
Why are car insurance rates in Port Wentworth different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the region
- Area crime rates
- General road safety (how many accidents each locality has)
- Area laws
- Off-street parking availability
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. 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 Port Wentworth?
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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Port Wentworth.
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Port Wentworth Auto Insurance FAQs
What factors affect car insurance quotes in Port Wentworth?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Port Wentworth different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Port Wentworth?
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 Port Wentworth?
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 Port Wentworth 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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