Stone Mountain, GA Car Insurance

Residents of Stone Mountain pay, on average, about $137 per month for car insurance. Read our guide below to learn more about your specific rates.
What should residents of Stone Mountain expect to pay for their car insurance? Are rates in Stone Mountain higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Stone Mountain?

Area Average Monthly Car Insurance Premium
Stone Mountain$137
GA$106
United States$81

As you can tell from the chart above, the cost of coverage in Stone Mountain is about $31 a month more expensive than the rest of Georgia.

Likewise, drivers in Stone Mountain may pay higher rates than the rest of the country. You can expect to pay about $56 more for your policy in Stone Mountain.

While these numbers are the average rates for auto insurance in Stone Mountain, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Stone Mountain residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$216
25-34$142
35-44$124
45-54Not Enough Data
55-64$103
65+$111

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Stone Mountain.

Average Car Insurance Rates by Gender

Gender Average
Male$141
Female$134

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Stone Mountain, the difference comes out to about $7 per month. As illustrated in the table above, female drivers in the area pay about $134 on average, while male drivers pay around $141 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$178
Multiple Accidents$274
1 Ticket$162
Multiple Tickets$248

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Stone Mountain with a single accident will pay around $178 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $162.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$144
2-3 Years$153
4-5 Years$157
6-7 Years$161
8-10 Years$133
11-14 Years$136
15 Years or Older$127

In Stone Mountain, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $116 per month for insurance.

Car owners, on the other hand, usually pay around $141 a month, while SUV drivers can expect to pay about $134 per month for insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. 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 bill start to shrink a bit. In Stone Mountain, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$146
Married$110
Divorced$104
Widowed$108

More often than not, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

In Stone Mountain, the difference in rates based on relationship status can be as much as $36 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$130
Rent$140
Live with parents$160

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than drivers who own property in Stone Mountain. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Stone Mountain, GA

Recent trends in car insurance for Stone Mountain drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Stone Mountain, auto insurance rates rose consistently from 2017-2021. They finished down in 2022, at $114.

How does Stone Mountain compare to neighboring areas?

Why are car insurance rates in Stone Mountain different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Rate of crime
  • Laws
  • Amount of off-street parking
  • Road Safety (total number of local car accidents)
  • Total amount of drivers in the community

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 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 Stone Mountain?

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.

Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Stone Mountain.

Compare the cheapest quotes from dozens of insurance companies

Stone Mountain Insurance FAQs

What factors affect car insurance quotes in Stone Mountain?

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, address, credit score, and marital status.

Why is the cost of car insurance in Stone Mountain 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 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. 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 Stone Mountain or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes