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How much is car insurance in Sharpsburg?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Sharpsburg is about $4 a month cheaper than it is for the rest of Georgia.
If you're considering relocating to Sharpsburg from out of state, you may want to budget a little extra for your insurance. Coverage in Sharpsburg is about $21 more expensive than it is for the rest of the U.S.
These rates may be the average amount Sharpsburg residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Sharpsburg residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $105 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Sharpsburg drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Sharpsburg is about $29 a month. As illustrated in the table above, male drivers in the area pay about $119 on average, while female drivers pay around $90 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Sharpsburg with one accident will pay around $125 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $108 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.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$163|
|15 Years or Older||$91|
If you look at the first table above, the cheapest vehicles to insure in Sharpsburg are usually SUVs, at $81 per month.
Truck and van drivers will see rates of about $121, while the rates for SUV owners average out to about $81 per month.
Vehicle age can also affect your monthly bill. 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 drop back down. In Sharpsburg, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$112|
Generally, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Sharpsburg can be as much as $33 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $5 a month more than drivers who own property in Sharpsburg. But if you live with your parents, your rates will be significantly higher.
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 Sharpsburg, GA
Recent trends in car insurance for Sharpsburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for car insurance in Sharpsburg declined from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $68.
How does Sharpsburg compare to neighboring areas?
Why are car insurance rates in Sharpsburg different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (how many accidents each locality has)
- Community regulations
- Access to off-street parking
- Total number of drivers in the community
- Area crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Sharpsburg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Sharpsburg.
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Sharpsburg Insurance FAQs
What factors affect car insurance quotes in Sharpsburg?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Sharpsburg 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, parking situations, 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 Sharpsburg?
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 Sharpsburg?
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 Sharpsburg 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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