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How much is car insurance in Rockmart?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $17 a month cheaper to insure your vehicle in Rockmart than it is in the rest of Georgia.
On the other hand, Rockmart residents will likely pay higher rates to insure their vehicle than in the rest of the country. 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 numbers are the average rates for auto insurance in Rockmart, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Rockmart to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may begin to go back up in Rockmart.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Rockmart totals about $14 a month. As you can see in the table above, female drivers in the area typically pay $84 on average, while female drivers typically pay $98 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on 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. Likewise, if you have one ticket, you'll be looking at an average rate of around $108.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|15 Years or Older||$91|
If you look at the first table above, you'll see that cars are by and large the cheapest vehicles to insure in Rockmart, with drivers paying around $83 per month to insure their vehicle.
SUV owners can expect to pay an average of around $88 a month for their policy, while truck and van drivers are usually around $103 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Rockmart, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Rockmart can be as much as $18 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $15 a month more than drivers who own property in Rockmart. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Rockmart, GA
Recent trends in car insurance for Rockmart 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 car insurance in Rockmart had been increasing from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $72 per month.
How does Rockmart compare to neighboring areas?
Why are car insurance rates in Rockmart different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Total drivers
- Frequency of car accidents
- 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 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?
Arming 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.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Rockmart.
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Rockmart Insurance FAQs
What factors affect car insurance quotes in Rockmart?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Rockmart different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rockmart or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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