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How much is car insurance in Tallapoosa?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Tallapoosa is about $19 a month cheaper.
Compared to the national average cost of auto coverage, Tallapoosa has higher rates. The cost of insuring a vehicle in Tallapoosa is about $6 more expensive than the average rate for the rest of the U.S.
These rates may be the average amount residents of Tallapoosa pay for their insurance policy, but that doesn't mean it's exactly 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. 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 broken down average rates for Tallapoosa to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may climb back up in Tallapoosa.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Tallapoosa, male drivers pay about $13 more a month. As illustrated in the table above, female drivers in the area pay about $82 on average, while male drivers pay around $95 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Tallapoosa, a driving record with a single accident will usually get you a rate around $111 a month. In addition, drivers with one ticket can expect to pay around $94 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$89|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Tallapoosa, with drivers paying around $81 per month to insure their vehicle.
Car owners will see a monthly bill of about $94, while SUV owners by and large pay around $83 per month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Tallapoosa, vehicles eight-to-ten years old and fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Tallapoosa follows that pattern, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Tallapoosa, expect to pay around $17 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot 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 Tallapoosa, GA
Recent trends in car insurance for Tallapoosa drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Tallapoosa, car insurance rates had been increasing from 2017-2019, but began to decrease in 2020. This trend has continued through 2022 when rates have most recently reached $60 a month.
How does Tallapoosa compare to neighboring areas?
Why are car insurance rates in Tallapoosa different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Crime levels
- Road Safety (how many accidents each locality has)
- Regional regulations
- Number of drivers in the area
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Tallapoosa?
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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Tallapoosa.
Tallapoosa Insurance FAQs
What factors affect car insurance quotes in Tallapoosa?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Tallapoosa different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Tallapoosa?
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 Tallapoosa?
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 Tallapoosa or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?