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How much is car insurance in Thomaston?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $25 a month cheaper to insure your vehicle in Thomaston than it is in the rest of Georgia.
Likewise, the expected monthly payments for an auto insurance policy in Thomaston are below the national average. It's about $0 cheaper to insure your vehicle in Thomaston compared to the average rate for the United States as a whole.
These rates may be the average amount residents of Thomaston pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Thomaston to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $61 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. Once you hit retirement age, however, you may see your rates start to rise again in Thomaston.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price to insure your vehicle in Thomaston, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Thomaston, having a single accident on your record will usually get you rates around $105 a month. In addition, drivers with one ticket can expect to pay around $99 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$74|
According to the first table above, the cheapest vehicles to insure in Thomaston are by and large trucks and vans, at $70 per month.
SUV drivers will see rates of about $80 for auto insurance coverage, while car owners usually pay around $85 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Thomaston, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
More often than not, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Thomaston, with married couples paying about $18 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Thomaston. But if you live with your parents, you can expect to pay a lot 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 Thomaston, GA
Recent trends in car insurance for Thomaston 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 cost of auto insurance coverage in Thomaston had been increasing consistently from 2017-2021. It finished down in 2022, at $69.
How does Thomaston compare to neighboring areas?
Why are car insurance rates in Thomaston different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road safety
- Total number of drivers
- Regional crime rates
- Off-street parking accessibility
- Community laws
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 Thomaston?
While getting familiar with 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.
Don't worry, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Thomaston in no time.
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Thomaston Insurance FAQs
What factors affect car insurance quotes in Thomaston?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Thomaston different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Thomaston?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Thomaston?
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?
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 Thomaston 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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