Powder Springs, GA Car Insurance

Drivers in Powder Springs pay around $108 a month for their car insurance. To learn more about policy rates and coverage in the Powder Springs area, continue reading our guide below.
What should residents of Powder Springs expect to pay for their car insurance? Are rates in Powder Springs higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Powder Springs?

Area Average Monthly Car Insurance Premium
Powder Springs$108
GA$104
United States$80

Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Powder Springs than it is in the rest of Georgia.

The average cost of insuring your vehicle in Powder Springs is above the national rate. It's around $28 more expensive for coverage in Powder Springs than the average rates seen in the rest of the U.S.

Although these are the average rates for auto insurance in Powder Springs, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down the average rates for Powder Springs to help you understand what your monthly premium might be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$182
25-34$104
35-44$92
45-54Not Enough Data
55-64$77
65+$95

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Powder Springs.

Average Car Insurance Rates by Gender

Gender Average
Male$118
Female$99

On average, female drivers pay slightly less for car insurance than their male counterparts. In Powder Springs, male drivers pay about $19 more per month. Looking at the table above, you can see that female drivers pay around $99 on average, while male drivers typically pay $118 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$130
Multiple Accidents$166
1 Ticket$140
Multiple Tickets$201

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Powder Springs, having a single accident on your record will usually get you rates around $130 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $140 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$112
2-3 Years$106
4-5 Years$106
6-7 Years$112
8-10 Years$113
11-14 Years$106
15 Years or Older$108

The cheapest vehicles to insure in Powder Springs are typically SUVs, with each type typically costing about $102 per month.

Car owners will see rates of about $111, while truck and van owners by and large pay around $105 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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)$122
Married$85
Divorced$81
Widowed$90

Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

The cost of auto insurance in Powder Springs reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $37 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$95
Rent$110
Live with parents$155

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Powder Springs. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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.

Auto insurance rates in Powder Springs went up from 2016-2017, before steadying out in 2018. Rates have been increasing again recently, and were up to $153 in 2021.

How does Powder Springs compare to neighboring areas?

Why are car insurance rates in Powder Springs different from other areas?

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Area regulations
  • Rate of crime
  • Total amount of drivers in the area
  • Availability of off-street parking
  • Road Safety (frequency of car accidents)

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Powder Springs?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Powder Springs in no time.

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Powder Springs Insurance FAQs

What factors affect car insurance quotes in Powder Springs?

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 driving record, credit score, address, and marital status.

Why is the cost of car insurance in Powder Springs different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Powder Springs?

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 Powder Springs?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Powder Springs or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes