Table of contents
How much is car insurance in Riverdale?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Riverdale | $118 |
| GA | $103 |
| United States | $80 |
As you can see, car insurance policies across the rest of Georgia are about $15 a month cheaper than the rates drivers pay in Riverdale.
Similarly, Riverdale residents should prepare to pay higher rates for coverage than the rest of the country. It's about $38 more for coverage in Riverdale than in the rest of the U.S.
These may be the average auto insurance rates for Riverdale, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Riverdale residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $178 |
| 25-34 | $127 |
| 35-44 | $107 |
| 45-54 | $99 |
| 55-64 | $93 |
| 65+ | $112 |
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Riverdale.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $118 |
| Female | $118 |
On average, female drivers pay slightly less than male drivers for car insurance. In Riverdale, however, male and female drivers both pay about the same rate for car insurance coverage.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $180 |
| Multiple Accidents | $211 |
| 1 Ticket | $146 |
| Multiple Tickets | $200 |
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Riverdale with a single accident on their record will usually see rates around $146 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $180 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $117 |
| 2-3 Years | $125 |
| 4-5 Years | $128 |
| 6-7 Years | $124 |
| 8-10 Years | $117 |
| 11-14 Years | $118 |
| 15 Years or Older | $113 |
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Riverdale, with drivers paying around $106 per month for insurance coverage.
Cars and SUVs, on the other hand, cost about the same to insure, around $119 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Riverdale, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $124 |
| Married | $99 |
| Divorced | $98 |
| Widowed | $87 |
Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The difference in rates based on relationship status in Riverdale is about $25 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $105 |
| Rent | $121 |
| Live with parents | $166 |
Your housing status is another component of how insurance companies calculate your monthly rate. In Riverdale, homeowners can expect to pay around $16 a month less than those who rent. 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 Riverdale, GA
Recent trends in car insurance for Riverdale drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Riverdale, the rates for auto insurance went up steadily from 2016 through the present, where they reached $160 a month in 2021.
How does Riverdale compare to neighboring areas?
Why are car insurance rates in Riverdale different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking access
- General road safety (how many accidents each locality has)
- Area crime rates
- Area laws
- Total drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing 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 Riverdale?
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 does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Riverdale.
Riverdale Insurance FAQs
What factors affect car insurance quotes in Riverdale?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Riverdale 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 Riverdale?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Riverdale?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Riverdale 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.