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How much is car insurance in Suwanee?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Suwanee are about $15 a month more expensive than the rest of Georgia.
Similarly, Suwanee residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $39 more expensive to insure your vehicle in Suwanee compared to the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Suwanee, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Suwanee so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates creep back up a bit once you hit retirement in Suwanee.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Suwanee is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Suwanee, having a single accident on your record will usually get you rates around $148 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $160.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$101|
|15 Years or Older||$128|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Suwanee, with drivers paying around $117 per month for insurance.
SUV drivers will see rates of about $121, while the rates for car owners average out to about $119 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Suwanee, 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)||$136|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Suwanee is no exception, with the difference totaling to around $46 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$169|
Another factor taken into consideration is your living situation. In Suwanee, homeowners can expect to pay around $20 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 Suwanee, GA
Recent trends in car insurance for Suwanee 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.
The rates for auto insurance in Suwanee declined from 2016-2017, when they reached a low of $108. This trend leveled out in 2018, when they began to increase, and have continued on that path through 2021, when car insurance rates hit a high of $155 a month.
How does Suwanee compare to neighboring areas?
Why are car insurance rates in Suwanee different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Availability of off-street parking
- Total drivers
- Area laws
- Road Safety (frequency of local car accidents)
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Suwanee?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Suwanee.
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
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 parking situations, local laws, and crime rates -- 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 car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Suwanee?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Suwanee or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.