Table of contents
How much is car insurance in Thomaston?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Thomaston typically costs about $21 a month less than it does in the rest of Georgia.
On the other hand, Thomaston residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Thomaston is about $3 more expensive than the national average.
Bear in mind that while these rates are the average costs for residents of Thomaston, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Thomaston so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in Thomaston.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The price for car insurance in Thomaston, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Thomaston with a single accident will pay around $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $114.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$76|
According to the first table above, the cheapest vehicles to insure in Thomaston are usually trucks and vans, at $73 per month.
Car owners, on the other hand, by and large pay around $85 per month, while SUV drivers can expect to pay about $83 a month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. 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 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)||$89|
Generally, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Thomaston reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Another factor that comes into play is your housing situation. Renters can expect to pay around $5 a month more than homeowners in Thomaston. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Thomaston, GA
Recent trends in car insurance for Thomaston drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Thomaston had been increasing consistently from 2016 through the present, where they hit $130 per month in 2021.
How does Thomaston compare to neighboring areas?
Why are car insurance rates in Thomaston different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking accessibility
- Crime rates
- Number of drivers in the region
- Area laws
- Number of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Thomaston.
Thomaston Insurance FAQs
What factors affect car insurance quotes in Thomaston?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Thomaston 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Thomaston?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Thomaston?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Thomaston or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.