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How much is car insurance in Tallapoosa?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Tallapoosa are about $15 a month cheaper than in the rest of Georgia.
On the flip side, Tallapoosa residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Tallapoosa is about $9 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Tallapoosa, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Tallapoosa to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $59 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement in Tallapoosa.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Tallapoosa, male drivers pay about $8 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $85 each month, while men pay $93 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Tallapoosa with a single accident on their record is about $107 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $95 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$91|
If you look at the first table above, the cheapest vehicles to insure in Tallapoosa are by and large trucks and vans, at $60 per month.
SUV drivers will see rates of about $89, while the rates for car owners average out to about $94 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Tallapoosa are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Overall, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Tallapoosa as well, where the difference is around $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Tallapoosa. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Tallapoosa, GA
Recent trends in car insurance for Tallapoosa drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Tallapoosa, car insurance rates rose from 2016-2019, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $93 a month.
How does Tallapoosa compare to neighboring areas?
Why are car insurance rates in Tallapoosa different from other areas?
There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (frequency of local car accidents)
- Number of drivers in the area
- Off-street parking availability
- Regional crime rates
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Tallapoosa?
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Tallapoosa.
Tallapoosa Insurance FAQs
What factors affect car insurance quotes in Tallapoosa?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 Tallapoosa 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 Tallapoosa?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tallapoosa?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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?