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How much is car insurance in Roswell?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Roswell are about the same as the rest of Georgia.
If you're considering relocating to Roswell from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Roswell is about $23 more expensive than the national average.
While these numbers are the average rates for auto insurance in Roswell, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Roswell and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Roswell Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $76 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Roswell.
Roswell Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Roswell, where male drivers pay about $8 more per month. Looking at the table above, you can see that female drivers pay around $99 on average, while male drivers typically pay $107 each month.
Roswell Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Roswell with a single accident on their record is about $134 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $132 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Roswell Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$96|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Roswell, with drivers paying around $92 per month for auto insurance.
Car owners can expect to pay an average of around $104 a month for their policy, while SUVs usually cost around $102 a month to insure.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Roswell, the most expensive vehicles to insure are vehicles four-to-five years old.
Roswell Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Roswell is no exception, with the difference totaling to around $29 a month.
Roswell Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $16 a month more than drivers who own property in Roswell. 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 car insurance costs.
Car Insurance Companies in Roswell, GA
Recent trends in car insurance for Roswell 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 Roswell increased consistently from 2017-2021. Rates finished down in 2022, at $80.
How does Roswell compare to neighboring areas?
Why are car insurance rates in Roswell different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Off-street parking accessibility
- Total drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Roswell?
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 will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Roswell.
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Roswell Auto Insurance FAQs
What factors affect car insurance quotes in Roswell?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Roswell 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 Roswell?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Roswell?
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 Roswell 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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