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How much is car insurance in Thomasville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Georgia is about $32 a month more expensive than it is in Thomasville.
When stacked up against the national average, the average monthly policy payment for Thomasville is more affordable. It's about $7 cheaper than the national average to insure your vehicle in Thomasville.
Although these are the average car insurance rates in Thomasville, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Thomasville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Thomasville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $69 more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Thomasville.
Thomasville Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Thomasville, the difference comes out to about $4 a month. Based on the chart above, you can see that female drivers pay around $71 on average, while male drivers typically pay $75 each month.
Thomasville 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. Drivers with clean records will pay much lower rates than those with accidents or violations. In Thomasville, a driving record with a single accident will usually get you a rate around $117 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.
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.
Thomasville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$67|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Thomasville, with drivers paying around $66 per month for insurance coverage.
Car owners can expect to pay an average of around $76 a month for their policy, while truck and van drivers are usually around $73 to insure each month.
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 around 5 years old, you can expect to see your rates start dropping back down. In Thomasville, vehicles eight-to-ten years old are the most expensive to insure.
Thomasville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Thomasville, the difference in rates based on relationship status can be as much as $23 a month.
Thomasville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Your housing status is another factor that affects your monthly rate. Whether rent your home or own property in Thomasville, you can expect to pay around $73 per month.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Thomasville, GA
Recent trends in car insurance for Thomasville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Car insurance rates in Thomasville decreased from 2017-2019, but leveled out in 2020. They went up until 2021, when they reached a high of $98, and finished down in 2022, at $65 per month.
How does Thomasville compare to neighboring areas?
Why are car insurance rates in Thomasville different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Area regulations
- Number of drivers
- Road Safety (frequency of car accidents)
- Local crime rates
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Thomasville?
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.
Fortunately, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Thomasville in no time.
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Thomasville Auto Insurance FAQs
What factors affect car insurance quotes in Thomasville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Thomasville 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 Thomasville?
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 Thomasville?
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 Thomasville 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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