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How much is car insurance in Sharpsburg?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Sharpsburg are about the same as the rest of Georgia.
On the other hand, Sharpsburg residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Sharpsburg is about $23 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Sharpsburg drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Sharpsburg so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Sharpsburg Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Sharpsburg.
Sharpsburg Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Sharpsburg totals about $31 per month. As you can see in the table above, male drivers in the area typically pay $121 on average, while female drivers typically pay $90 each month.
Sharpsburg Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Sharpsburg, drivers with one accident on their record will experience rates around $125 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $108.
Sharpsburg 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 by and large SUVs, which run about $81 per month.
Car owners can expect to pay an average of around $106 a month for their policy, while truck and van drivers are usually around $121 to insure each month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Sharpsburg, the most expensive vehicles to insure are vehicles less than one year old.
Sharpsburg Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
On average, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Sharpsburg can be as much as $34 a month, so it's worth taking into consideration.
Sharpsburg Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than drivers who own property in Sharpsburg. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 before picking an insurance policy.
In Sharpsburg, the rates for car insurance dropped from 2017-2018, before rising from 2019-2021. They finished down in 2022 at $81.
How does Sharpsburg compare to neighboring areas?
Why are car insurance rates in Sharpsburg different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- General road safety (how many accidents each locality has)
- Local laws
- Availability of off-street parking
- Number of drivers in the area
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Sharpsburg?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Sharpsburg.
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Sharpsburg Auto 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 gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Sharpsburg different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Sharpsburg?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sharpsburg?
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?
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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