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How much is car insurance in Stockbridge?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Stockbridge are about the same as the rest of Georgia.
Stockbridge residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $23 more for your policy in Stockbridge.
Bear in mind that while these rates represent the expected monthly payments for Stockbridge drivers, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Stockbridge so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Stockbridge.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Stockbridge, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Stockbridge, a driving record with one accident will usually get you a rate around $133 a month. Likewise, drivers with one ticket will be looking at a rate of around $127 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$101|
|15 Years or Older||$102|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Stockbridge, with drivers paying around $94 per month for insurance coverage.
Meanwhile, Stockbridge drivers who own a car or SUV can expect to pay about $104 for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Overall, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Stockbridge, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Stockbridge can be as much as $23 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|
Another factor that comes into play is your living situation. In Stockbridge, homeowners can expect to pay around $15 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 car insurance premiums.
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 choosing when and where to shop.
In Stockbridge, the rates for car insurance decreased from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $117.
How does Stockbridge compare to neighboring areas?
Why are car insurance rates in Stockbridge different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- General road safety (how many accidents each locality has)
- Area crime rates
- Off-street parking accessibility
- Regional regulations
- Amount of drivers in the area
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Stockbridge?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Stockbridge.
Stockbridge Insurance FAQs
What factors affect car insurance quotes in Stockbridge?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Stockbridge 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 local laws, parking situations, 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 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Stockbridge?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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 Stockbridge or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?