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How much is car insurance in Rome?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Rome is about $19 cheaper than it is in the rest of Georgia.
On the flip side, drivers in Rome may pay higher rates than the rest of the country. The cost of auto coverage in Rome is about $4 more expensive than the national average.
Although these are the average monthly costs for an auto insurance policy in Rome, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Rome 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 below to find out!
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. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to increase again in Rome.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Rome, male drivers pay about $4 more a month. As you can see in the table above, female drivers in the area typically pay $82 on average, while female drivers typically pay $86 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay less than those with infractions. The rate for drivers in Rome with a single accident on their record is about $107 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $123 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$79|
In Rome, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $78 per month for insurance coverage.
SUV drivers will see rates of about $87 for auto insurance coverage, while car owners by and large pay around $83 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Rome, for example, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Generally, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Rome, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Rome. 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 Rome, GA
Recent trends in car insurance for Rome drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when deciding when and where to shop.
In Rome, auto insurance rates rose from 2016-2018, before leveling out in 2019. Car insurance rates finished down in 2021, at $83 a month
How does Rome compare to neighboring areas?
Why are car insurance rates in Rome different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Rate of car accidents
- Crime rates
- Off-street parking access
- Number of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Rome?
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.
Good news! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies in Rome.
Rome Insurance FAQs
What factors affect car insurance quotes in Rome?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Rome different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, 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 Rome?
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 Rome?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Rome 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?