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How much is car insurance in Suwanee?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $16 a month more expensive to insure your vehicle in Suwanee than it is in the rest of Georgia.
Similarly, Suwanee residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Suwanee is about $41 more expensive than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Suwanee, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Suwanee and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Suwanee Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $80 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may begin to go back up in Suwanee.
Suwanee Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Suwanee, male drivers pay about $8 more a month. As you can see in the table above, male drivers in the area typically pay $125 on average, while female drivers typically pay $117 each month.
Suwanee Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your 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 Suwanee, a driving record with a single accident will usually get you a rate around $147 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $122.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Suwanee Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$100|
|15 Years or Older||$125|
If you look at the first table above, the cheapest vehicles to insure in Suwanee are by and large trucks and vans, at $113 per month.
Car owners, on the other hand, usually pay around $124 per month, while SUV drivers can expect to pay about $119 a month for auto insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Suwanee, vehicles six-to-seven years old are the most expensive to insure.
Suwanee Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$137|
Generally speaking, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Suwanee as well, where the difference is around $48 a month.
Suwanee Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $22 a month more than those who own their own home in Suwanee. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
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.
The rates for car insurance in Suwanee rose steadily from 2017-2021. Insurance rates 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 variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area laws
- Road Safety (frequency of car accidents)
- Crime rates
- Off-street parking accessibility
- Total number of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Suwanee?
While knowing 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.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Suwanee.
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Suwanee Auto 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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Suwanee different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Suwanee or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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