Table of contents
How much is car insurance in Smyrna?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Smyrna | $112 |
| GA | $103 |
| United States | $80 |
As you can see in the chart above, it is around $9 a month more expensive to insure your vehicle in Smyrna than it is in the rest of Georgia.
Drivers relocating the Smyrna should take note of the differences in average rates. The average monthly payment in Smyrna is about $32 more expensive than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Smyrna, that doesn't mean it'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. 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 rate for Smyrna residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | $332 |
| 18-24 | $199 |
| 25-34 | $102 |
| 35-44 | $100 |
| 45-54 | $91 |
| 55-64 | $81 |
| 65+ | $98 |
The longer you've been on the road, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Smyrna.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $121 |
| Female | $102 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Smyrna, where women pay around $19 less per month than men. As illustrated in the table above, female drivers in the area pay about $102 on average, while male drivers pay around $121 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $166 |
| Multiple Accidents | $198 |
| 1 Ticket | $185 |
| Multiple Tickets | $188 |
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Smyrna, a driving record with one accident will usually get you a rate around $185 a month. Similarly, drivers with one ticket will typically pay around $166 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 | $108 |
| 2-3 Years | $115 |
| 4-5 Years | $120 |
| 6-7 Years | $107 |
| 8-10 Years | $114 |
| 11-14 Years | $120 |
| 15 Years or Older | $104 |
The cheapest vehicles to insure in Smyrna are typically trucks and vans, with each type typically costing about $104 per month.
Car owners can expect to pay an average of around $114 a month for their policy, while SUVs usually cost around $107 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Smyrna, vehicles four-to-five years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $119 |
| Married | $98 |
| Divorced | $86 |
| Widowed | $90 |
More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Smyrna is no exception, with the difference totaling to around $21 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $91 |
| Rent | $120 |
| Live with parents | $133 |
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Smyrna can expect to pay around $29 a month less than those who rent. But if you live with your parents, you 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 overall costs.
Car Insurance Companies in Smyrna, GA
Recent trends in car insurance for Smyrna drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Smyrna, car insurance rates rose steadily from 2016-2020. They finished down in 2021, at $100.
How does Smyrna compare to neighboring areas?
Why are car insurance rates in Smyrna different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Total amount of drivers in the area
- Crime
- Number of car accidents
- Off-street parking availability
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Smyrna?
Arming 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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Smyrna.
Smyrna Insurance FAQs
What factors affect car insurance quotes in Smyrna?
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 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 Smyrna 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 parking situations, local laws, 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 Smyrna?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Smyrna?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Smyrna or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.