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How much is car insurance in Stockbridge?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Stockbridge are in line with rates across the rest of Georgia.
Similarly, residents of Stockbridge might expect to pay higher rates for coverage than the rest of the country. It's about $28 more for coverage in Stockbridge than in the rest of the U.S.
While these numbers are the average rates for auto insurance in Stockbridge, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Stockbridge residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Stockbridge Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Stockbridge.
Stockbridge Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Stockbridge, this difference shakes out to about $4 a month. As illustrated in the table above, male drivers in the area pay about $110 on average, while female drivers pay around $106 each month.
Stockbridge Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Stockbridge, having a single accident on your record will usually get you rates around $145 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $123.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Stockbridge Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$105|
As you can see in the first table above, the cheapest vehicles to insure in Stockbridge are usually trucks and vans, which run about $96 per month.
Car owners will see a monthly rate of about $111, while SUV owners by and large pay around $105 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Stockbridge, the most expensive vehicles to insure are vehicles four-to-five years old.
Stockbridge Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Stockbridge, with married couples paying about $27 less per month.
Stockbridge Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $15 a month more than those who own their own home in Stockbridge. 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 Stockbridge, GA
Recent trends in car insurance for Stockbridge drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of car insurance in Stockbridge rose steadily from 2017-2021. It finished down in 2022, at $93.
How does Stockbridge compare to neighboring areas?
Why are car insurance rates in Stockbridge different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Number of drivers in the area
- Road Safety (frequency of local car accidents)
- Off-street parking availability
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. 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 Stockbridge?
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.
Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Stockbridge.
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Stockbridge Auto Insurance FAQs
What factors affect car insurance quotes in Stockbridge?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Stockbridge different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Stockbridge?
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 Stockbridge?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Stockbridge or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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