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How much is car insurance in Rossville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $27 a month more expensive than it is in Rossville.
If you're thinking of moving to Rossville from out of state, you may still be in luck. Car insurance rates for the United States as a whole are, on average, $3 more expensive than the rates you'd pay in Rossville.
These may be the average auto insurance rates for Rossville, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Rossville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||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 auto insurance premiums. As you can see, 18-24-year-olds pay $52 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may rise again in Rossville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Rossville, where women pay around $8 less per month than men. Based on the chart above, you can see that female drivers pay around $74 on average, while male drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Rossville, a driving record with one accident will usually get you a rate around $124 a month. Likewise, drivers with one ticket will be looking at a rate of around $175 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Rossville are by and large trucks and vans, at $66 per month.
Car owners can expect to pay an average of around $75 a month for their policy, while SUVs usually cost around $89 a month to insure.
Vehicle age 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 around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Rossville are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally speaking, 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.
The difference in rates based on relationship status in Rossville is about $27 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
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 if you own your own home in Rossville. But if you live with your parents, you can expect to pay a lot 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 Rossville, GA
Recent trends in car insurance for Rossville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Rossville, the rates for car insurance rose from 2016-2018, before taking a downward turn from 2019-2020. They finished up in 2021, at $86.
How does Rossville compare to neighboring areas?
Why are car insurance rates in Rossville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Rate of crime
- Regional regulations
- Total amount of drivers in the area
- Road Safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Rossville?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Rossville.
Rossville Insurance FAQs
What factors affect car insurance quotes in Rossville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Rossville 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Rossville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Rossville?
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?
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 Rossville 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.