Table of contents
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.
Likewise, residents of Stockbridge might expect to pay higher rates for coverage than the rest of the country. It's around $28 more expensive for coverage in Stockbridge than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Stockbridge, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your 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 your monthly premium.
We've broken down average rates for Stockbridge to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $98 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Stockbridge.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Stockbridge, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Stockbridge, having a single accident on your record will usually get you rates around $146 a month. In addition, drivers with one ticket can expect to pay around $123 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$106|
In terms of affordable coverage, the cheapest vehicles to insure in Stockbridge are usually trucks and vans, at $96 per month.
SUV drivers will see rates of about $106, while the rates for car owners average out to about $112 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. 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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Stockbridge reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your living accommodations is another factor that affects your monthly rate. In Stockbridge, homeowners can expect to pay around $16 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Stockbridge, GA
Recent trends in car insurance for Stockbridge drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Stockbridge, the rates for auto insurance had been increasing consistently from 2017-2021. They finished down in 2022, at $99.
How does Stockbridge compare to neighboring areas?
Why are car insurance rates in Stockbridge different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Total number of drivers
- Off-street parking accessibility
- Rate of crime
- Road Safety (total number of local car accidents)
- Area laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Stockbridge?
While getting familiar with 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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering 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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Stockbridge different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Stockbridge 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.