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How much is car insurance in Powder Springs?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $6 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 about $31 more expensive for coverage in Powder Springs than the average rates for the U.S. as a whole.
While these are the average costs to insure your vehicle in Powder Springs, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Powder Springs residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to increase again in Powder Springs.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Powder Springs, this difference shakes out to about $18 a month. Based on the chart above, you can see that female drivers pay around $103 on average, while male drivers typically pay $121 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Powder Springs with a single accident on their record will usually see rates around $140 a month. In addition, drivers with a single ticket on their record can expect to pay around $134 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$112|
|15 Years or Older||$110|
If you look at the first table above, the cheapest vehicles to insure in Powder Springs are typically SUVs, at $103 per month.
Car owners can expect to pay an average of around $115 a month for their policy, while truck and van drivers are usually around $109 to insure each month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Powder Springs, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
On average, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Powder Springs can be as much as $35 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Powder Springs can expect to pay around $20 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Powder Springs, GA
Recent trends in car insurance for Powder Springs 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 Powder Springs, the rates for car insurance declined from 2017-2018, when they reached a low of $102, but began to increase from 2019-2021. Policy premiums finished down in 2022, at $93.
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. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Number of drivers
- Local crime rates
- Community laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Powder Springs?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Powder Springs.
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Powder Springs Insurance FAQs
What factors affect car insurance quotes in Powder Springs?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Powder Springs 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.
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