Table of contents
How much is car insurance in Smyrna?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $12 a month more expensive to insure your vehicle in Smyrna than it is in the rest of Georgia.
Similarly, Smyrna residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Smyrna is about $37 more expensive than the national average.
Although these are the average monthly costs for an auto insurance policy in Smyrna, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Smyrna residents so that you can get a more accurate idea of what you might 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|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement in Smyrna.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Smyrna, where women pay around $22 less a month. As you can see in the chart above, car insurance for women in the area typically costs around $107 each month, while men pay $129 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Smyrna, drivers with one accident on their record will experience rates around $186 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $128 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$140|
|15 Years or Older||$103|
In Smyrna, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $104 per month to insure their vehicle.
Car owners will see a monthly rate of about $123, while SUV owners usually pay around $107 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Smyrna are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
Generally, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Smyrna can be as much as $31 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $27 a month more than if you own your own home in Smyrna. But those who live at home with their parents can expect to pay significantly 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 average costs.
Car Insurance Companies in Smyrna, GA
Recent trends in car insurance for Smyrna drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Smyrna increased from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $93 a month.
How does Smyrna compare to neighboring areas?
Why are car insurance rates in Smyrna different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Access to off-street parking
- Number of drivers in the community
- Crime rates
- Road Safety (frequency of car accidents)
- Area regulations
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Smyrna?
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 punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Smyrna.
Smyrna Insurance FAQs
What factors affect car insurance quotes in Smyrna?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Smyrna different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Smyrna?
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 Smyrna?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Smyrna or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?