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How much is car insurance in Richmond Hill?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $17 a month cheaper to insure your vehicle in Richmond Hill than it is in the rest of Georgia.
On the flip side, Richmond Hill residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $8 more expensive than the national average to insure your vehicle in Richmond Hill.
Although these are the average car insurance rates in Richmond Hill, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Richmond Hill to help you understand what exactly you might be asked to pay. 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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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. 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 your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates creep back up a bit in Richmond Hill.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Richmond Hill, where women pay around $11 less per month than men. As illustrated in the table above, female drivers in the area pay about $84 on average, while male drivers pay around $95 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous 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 Richmond Hill, a driving record with one accident will usually get you a rate around $103 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $101 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$84|
In Richmond Hill, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $75 per month to insure their vehicle.
SUV drivers will see rates of about $97 for auto insurance coverage, while car owners typically pay around $88 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Richmond Hill, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Richmond Hill follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Richmond Hill. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Richmond Hill, GA
Recent trends in car insurance for Richmond Hill drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Richmond Hill went up from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $77 a month.
How does Richmond Hill compare to neighboring areas?
Why are car insurance rates in Richmond Hill different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Regional crime rates
- Total number of drivers in the area
- Road Safety (frequency of car accidents)
- Off-street parking accessibility
- Community regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Richmond Hill?
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.
Fortunately, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Richmond Hill in no time.
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Richmond Hill Insurance FAQs
What factors affect car insurance quotes in Richmond Hill?
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 gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Richmond Hill 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 Richmond Hill?
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 Richmond Hill?
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?
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 Richmond Hill 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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