Table of contents
How much is car insurance in Port Wentworth?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $8 a month more expensive to insure your vehicle in Port Wentworth than it is in the rest of Georgia.
The average cost of insuring your vehicle in Port Wentworth is above the national rate. The average monthly payment in Port Wentworth is about $32 more expensive than the rate for the rest of the U.S.
These may be the average auto insurance rates for Port Wentworth, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Port Wentworth to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Port Wentworth drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Port Wentworth defies this trend. Female drivers typically pay around $4 more per month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Port Wentworth, drivers with one accident on their record will experience rates around $160 a month. Similarly, drivers with one ticket will typically pay around $114 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$102|
As you can see in the first table above, the cheapest vehicles to insure in Port Wentworth are by and large trucks and vans, which run about $76 per month.
Car owners can expect to pay an average of around $116 a month for their policy, while SUVs usually cost around $112 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Port Wentworth are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Port Wentworth is no exception, with the difference totaling to around $43 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$164|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $28 a month more than those who own their own home 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 car insurance costs, 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 policy.
In Port Wentworth, the rates for auto insurance rose from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $261 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 numerous factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total number of drivers in the region
- Off-street parking availability
- Rate of crime
- Frequency of car accidents
- Local regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Port Wentworth?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Port Wentworth in no time.
Port Wentworth 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 like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Port Wentworth different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Port Wentworth?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Port Wentworth?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Port Wentworth or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.