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How much is car insurance in Smyrna?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $13 a month more expensive to insure your vehicle in Smyrna than it is in the rest of Georgia.
Similarly, drivers in Smyrna may pay higher rates than the rest of the country. The cost of auto coverage in Smyrna is about $38 more expensive than the national average.
While these are the average monthly costs for auto insurance coverage in Smyrna, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.
Don't sweat it however, we've broken down average rates for Smyrna residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Smyrna Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $112 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates rise again once you hit retirement in Smyrna.
Smyrna Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Smyrna, where women pay around $22 less per month than men. As you can see in the table above, male drivers in the area typically pay $129 on average, while female drivers typically pay $107 each month.
Smyrna Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Smyrna, drivers with one accident on their record will experience rates around $184 a month. Similarly, drivers with one ticket will typically pay around $126 on average.
Smyrna Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$139|
|15 Years or Older||$104|
If you look at the first table above, the cheapest vehicles to insure in Smyrna are usually trucks and vans, at $104 per month.
SUV drivers will see rates of about $109 for auto insurance coverage, while car owners by and large pay around $123 a month.
The age of your vehicle 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 rates drop back down a bit. In Smyrna, the most expensive vehicles to insure are vehicles less than one year old.
Smyrna Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Smyrna, the difference in rates based on relationship status can be as much as $30 a month.
Smyrna Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $27 a month more than those who own their own home in Smyrna. But those who live at home with their parents can expect to pay significantly more.
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 Smyrna, GA
Recent trends in car insurance for Smyrna drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The cost of insurance in Smyrna increased from 2017-2020, but began to decrease in 2021. This trend has continued through the present where they reached a low of $103 per month.
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 many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Frequency of car accidents
- Off-street parking access
- Rate of crime
- Area laws
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?
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 on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Smyrna.
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Smyrna Auto Insurance FAQs
What factors affect car insurance quotes in Smyrna?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 Smyrna different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Smyrna?
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 by using sites like Compare.com to compare multiple quotes at once.
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?
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