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How much is car insurance in Powder Springs?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $7 a month more expensive to insure your vehicle in Powder Springs than it is in the rest of Georgia.
Compared to the national average cost of auto coverage, Powder Springs has higher rates. It's around $32 more expensive for coverage in Powder Springs than the average rates seen in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Powder Springs to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Powder Springs 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 experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $91 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in Powder Springs.
Powder Springs Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Powder Springs, the difference is around $18 per month. Based on the chart above, you can see that male drivers pay $121 on average, while female drivers typically pay $103 each month.
Powder Springs Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Powder Springs, a driving record with one accident will usually get you a rate around $141 a month. In addition, drivers with one ticket can expect to pay around $135 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Powder Springs Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$112|
|15 Years or Older||$110|
As you can see in the first table above, the cheapest vehicles to insure in Powder Springs are typically SUVs, which run about $103 per month.
Car owners will see rates of about $115, while truck and van owners by and large pay around $108 a month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Powder Springs, vehicles eleven-to-fourteen years old and eight-to-ten years old are the most expensive to insure.
Powder Springs Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
Overall, people who are married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Powder Springs is about $35 a month, with married couples paying less for coverage than single drivers.
Powder Springs Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$149|
Your housing status is another factor that affects your monthly rate. In Powder Springs, homeowners can expect to pay around $19 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Powder Springs, GA
Recent trends in car insurance for Powder Springs drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of car insurance in Powder Springs dropped from 2017-2018, when it hit a low of $102, but started to rise from 2019-2021. It finished down in 2022, at $98.
How does Powder Springs compare to neighboring areas?
Why are car insurance rates in Powder Springs different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Crime rates
- Amount of drivers
- Amount of off-street parking
- Community laws
- Road Safety (frequency of local car accidents)
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. With the knowledge 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 Powder Springs?
Arming 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.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Powder Springs.
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Powder Springs Auto Insurance FAQs
What factors affect car insurance quotes in Powder Springs?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Powder Springs different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Powder Springs?
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 Powder Springs?
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 Powder Springs 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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