Table of contents
How much is car insurance in Sharpsburg?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Sharpsburg are on par with what you would pay anywhere else in Georgia.
The average cost of insuring your vehicle in Sharpsburg is above the national rate. It's about $23 more expensive than the national average to insure your vehicle in Sharpsburg.
While these numbers represent the average monthly payments for coverage in Sharpsburg, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Sharpsburg and broken down the different factors to help you understand what exactly you might be asked to pay. 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|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Sharpsburg.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Sharpsburg, where women pay around $32 less per month than men. As illustrated in the table above, male drivers in the area pay about $123 on average, while female drivers pay around $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Sharpsburg, a driving record with one accident will usually get you a rate around $121 a month. In addition, drivers with one ticket can expect to pay around $245 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$163|
|15 Years or Older||$93|
As you can see in the first table above, the cheapest vehicles to insure in Sharpsburg are typically SUVs, which run about $79 per month.
SUV owners, on the other hand, usually pay around $79 a month, while truck and van drivers can expect to pay about $117 per month to insure their car.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Sharpsburg, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Generally speaking, people who are married will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Sharpsburg, the difference in rates based on relationship status can be as much as $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
Another factor that comes into play is your housing status. Renters can expect to pay around $6 a month more than homeowners in Sharpsburg. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Sharpsburg, GA
Recent trends in car insurance for Sharpsburg drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Sharpsburg declined from 2016-2018, before increasing from 2019-2020. They finished down in 2021 at $108.
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 deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- General road safety (how many accidents each locality has)
- Rate of crime
- Amount of off-street parking
- Total number of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Sharpsburg.
Sharpsburg Insurance FAQs
What factors affect car insurance quotes in Sharpsburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus 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 local laws, parking situations, and crime rates 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 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 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Sharpsburg or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.