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How much is car insurance in Statesboro?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Statesboro is about $14 a month cheaper than it is for the rest of Georgia.
Conversely, drivers in Statesboro may pay higher rates than the rest of the country. The cost of insuring a vehicle in Statesboro is about $11 more expensive than the average rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
But don't worry, we've broken down the average rate for Statesboro residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, 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.
For every 10 years, you can expect to see a drop in your monthly premium. Statesboro drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Statesboro, where women pay around $16 less per month than men. Based on the chart above, you can see that female drivers pay around $85 on average, while male drivers typically pay $101 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Statesboro, having a single accident on your record will usually get you rates around $132 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $119 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$84|
In Statesboro, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $86 per month for insurance.
Car owners will see rates of about $94, while truck and van owners usually pay around $88 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, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Statesboro, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Overall, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Statesboro is no exception, with the difference totaling to around $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $23 a month more than if you own your own home in Statesboro. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Statesboro, GA
Recent trends in car insurance for Statesboro drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Statesboro, the rates for car insurance had been increasing from 2017-2018, when they hit a high of $98, but started to turn downward from 2019-2020. They finished down in 2022, at $62.
How does Statesboro compare to neighboring areas?
Why are car insurance rates in Statesboro different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking availability
- Crime rates
- Number of drivers in the community
- Number of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Statesboro?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Statesboro.
Statesboro Insurance FAQs
What factors affect car insurance quotes in Statesboro?
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 gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Statesboro different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Statesboro?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Statesboro?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Statesboro or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?