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How much is car insurance in Rome?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Rome is about $24 cheaper than it is in the rest of Georgia.
If you're considering relocating to Rome from out of state, you may want to budget a little extra for your insurance. It's around $1 more expensive to insure your vehicle in Rome compared to the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Rome, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Rome residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Rome Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $57 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Rome.
Rome Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Rome is about $5 a month. Based on the chart above, you can see that male drivers pay $84 on average, while female drivers typically pay $79 each month.
Rome Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Rome, a driving record with one accident will usually get you a rate around $108 a month. Likewise, drivers with one ticket will be looking at a rate of around $93 a month on average.
Rome Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$76|
According to the first table above, the cheapest vehicles to insure in Rome are typically trucks and vans, at $76 per month.
Car owners can expect to pay an average of around $81 a month for their policy, while SUVs usually cost around $83 a month to insure.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Rome, vehicles six-to-seven years old are the most expensive to insure.
Rome Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Rome is about $16 a month, with married couples paying less for coverage than single drivers.
Rome Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Rome. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Rome, GA
Recent trends in car insurance for Rome 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.
Auto insurance rates in Rome rose from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $67 per month in 2022.
How does Rome compare to neighboring areas?
Why are car insurance rates in Rome different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Total number of drivers in the area
- Regional crime rates
- Regional laws
- Road Safety (frequency of car accidents)
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Rome.
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Rome Auto 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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rome 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 local laws, crime rates, 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 Rome?
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 Rome?
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?
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 Rome 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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