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How much is car insurance in Stone Mountain?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Georgia are about $32 a month cheaper than the rates drivers pay in Stone Mountain.
Similarly, Stone Mountain residents should prepare to pay higher rates for coverage than the rest of the country. It's around $57 more expensive to insure your vehicle in Stone Mountain compared to the average rate for the rest of the U.S.
These rates may be the average amount residents of Stone Mountain pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rates for Stone Mountain residents based on several different factors so that you can get a more accurate idea of what you might pay. 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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Stone Mountain 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 more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates start to rise again in Stone Mountain.
Stone Mountain Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Stone Mountain, the difference comes out to about $8 a month. Based on the chart above, you can see that female drivers pay around $133 on average, while male drivers typically pay $141 each month.
Stone Mountain 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. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Stone Mountain, having a single accident on your record will usually get you rates around $178 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $163.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Stone Mountain Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$144|
|15 Years or Older||$126|
If you look at the first table above, the cheapest vehicles to insure in Stone Mountain are typically trucks and vans, at $117 per month.
SUV drivers will see rates of about $133 for insurance coverage, while car owners by and large pay around $140 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Stone Mountain are vehicles six-to-seven years old.
Stone Mountain Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$145|
On average, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Stone Mountain follows that pattern, with the difference totaling to around $34 a month.
Stone Mountain Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
Your living accommodations is another factor that affects your monthly rate. In Stone Mountain, homeowners can expect to pay around $9 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 Stone Mountain, GA
Recent trends in car insurance for Stone Mountain drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Stone Mountain, the rates for auto insurance rose steadily from 2017-2021. They finished down in 2022, at $116.
How does Stone Mountain compare to neighboring areas?
Why are car insurance rates in Stone Mountain different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Off-street parking access
- Local crime rates
- Community regulations
- Road Safety (how many accidents each locality has)
- Amount of drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Stone Mountain?
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. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Stone Mountain.
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Stone Mountain Auto Insurance FAQs
What factors affect car insurance quotes in Stone Mountain?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Stone Mountain different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Stone Mountain?
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 Stone Mountain?
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. 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 Stone Mountain 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?
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