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How much is car insurance in Rockmart?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Rockmart is about $17 cheaper than it is in the rest of Georgia.
On the other hand, the expected monthly payments for an auto insurance policy in Rockmart are above the national average. The cost of insuring a vehicle in Rockmart is about $8 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Rockmart, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Rockmart 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'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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Rockmart Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Rockmart drivers may see their rates begin to increase again once they hit retirement age.
Rockmart Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Rockmart, where male drivers pay about $15 more per month. As you can see in the table above, female drivers in the area typically pay $83 on average, while female drivers typically pay $98 each month.
Rockmart Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Rockmart, a driving record with a single accident will usually get you a rate around $116 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $106.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Rockmart Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|15 Years or Older||$89|
In Rockmart, the cheapest vehicles to insure are by and large cars, with drivers paying around $83 per month to insure their vehicle.
SUV owners will see rates of about $87, while truck and van owners usually pay around $101 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Rockmart, vehicles six-to-seven years old are the most expensive to insure.
Rockmart Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Rockmart is about $16 a month, with married couples paying less for coverage than single drivers.
Rockmart Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Another factor taken into consideration is your housing status. Those who own their own home in Rockmart can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Rockmart, GA
Recent trends in car insurance for Rockmart 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.
Car insurance rates in Rockmart went up from 2017-2020, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $71.
How does Rockmart compare to neighboring areas?
Why are car insurance rates in Rockmart different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Frequency of car accidents
- Total number of drivers in the area
- Local regulations
- Crime levels
- Access to off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Rockmart?
Equipping 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.
Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer policies in Rockmart.
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Rockmart Auto Insurance FAQs
What factors affect car insurance quotes in Rockmart?
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, address, credit score, and marital status.
Why is the cost of car insurance in Rockmart different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Rockmart?
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 Rockmart?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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 Rockmart 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?
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