Suwanee, GA Car Insurance

On average, drivers in Suwanee pay around $122 per month for their car insurance. For more information refer to our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Suwanee stack up? What about against the rest of Georgia? What can Suwanee residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Suwanee?

Area Average Monthly Car Insurance Premium
Suwanee$122
GA$106
United States$81

Based on the information in the chart above, you can see that on average, it's about $16 a month more expensive to insure your vehicle in Suwanee than it is in the rest of Georgia.

If you're considering relocating to Suwanee from out of state, you may want to budget a little extra for your insurance. It's about $41 more expensive than the national average to insure your vehicle in Suwanee.

Although these are the average monthly costs for an auto insurance policy in Suwanee, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Suwanee residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$286
18-24$192
25-34$113
35-44$101
45-54$95
55-64$92
65+$113

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $79 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in Suwanee.

Average Car Insurance Rates by Gender

Gender Average
Male$126
Female$117

Female drivers pay, on average, slightly less than their male counterparts. In Suwanee, the difference comes out to about $9 a month. As you can see in the table above, female drivers in the area typically pay $117 on average, while female drivers typically pay $126 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$148
Multiple Accidents$259
1 Ticket$123
Multiple Tickets$214

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Suwanee with a single accident will pay around $148 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $123 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$100
2-3 Years$123
4-5 Years$101
6-7 Years$131
8-10 Years$115
11-14 Years$126
15 Years or Older$127

The most affordable vehicles to insure in Suwanee are usually trucks and vans, which run about $114 per month.

SUV drivers will see rates of about $120 for auto insurance, while car owners typically pay around $124 per month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Suwanee are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$139
Married$89
Divorced$88
Widowed$84

More often than not, 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 award special discounts for.

The difference in rates based on relationship status in Suwanee can be as much as $50 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$105
Rent$128
Live with parents$165

Another factor that comes into play is your housing status. If you rent your home or apartment in Suwanee, expect to pay around $23 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly 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 Suwanee, GA

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Suwanee, car insurance rates went up steadily from 2017-2021. They finished down in 2022, at $97.

How does Suwanee compare to neighboring areas?

Why are car insurance rates in Suwanee different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Amount of off-street parking
  • Road safety
  • Amount of drivers in the area
  • Local regulations
  • Prevalence of crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Suwanee?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Suwanee in no time.


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Suwanee Insurance FAQs

What factors affect car insurance quotes in Suwanee?

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, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Suwanee different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Suwanee?

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 Suwanee?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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, 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 Suwanee 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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