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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 $14 a month more expensive to insure your vehicle in Port Wentworth than it is in the rest of Georgia.
Likewise, Port Wentworth residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $39 more expensive than the national average to insure your vehicle in Port Wentworth.
Bear in mind that while these rates are the average costs for Port Wentworth residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Port Wentworth residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Port Wentworth.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Port Wentworth, however, male and female drivers both pay, on average, $120 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Port Wentworth with a single accident will pay around $163 a month. In addition, drivers with one ticket can expect to pay around $102 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$117|
The most affordable vehicles to insure in Port Wentworth are typically trucks and vans, which run about $73 per month.
Car owners will see a monthly bill of about $128, while SUV owners usually pay around $113 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Port Wentworth are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Port Wentworth can be as much as $47 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$152|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $33 a month more than drivers who own property in Port Wentworth. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Port Wentworth, GA
Recent trends in car insurance for Port Wentworth 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 Port Wentworth, car insurance rates had been decreasing from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $88 a month
How does Port Wentworth compare to neighboring areas?
Why are car insurance rates in Port Wentworth different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Prevalence of crime
- Frequency of car accidents
- Access to off-street parking
- Area laws
- Total amount of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Port Wentworth?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Port Wentworth.
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Port Wentworth Insurance FAQs
What factors affect car insurance quotes in Port Wentworth?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Port Wentworth different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Port Wentworth?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Port Wentworth?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Port Wentworth 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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