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How much is car insurance in Thomasville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Thomasville are about $34 a month cheaper than in the rest of Georgia.
When stacked up against the national average, the average monthly policy payment for Thomasville is more affordable. Auto insurance coverage in Thomasville is about $10 cheaper than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Thomasville, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Thomasville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $70 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may begin to go back up in Thomasville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Thomasville, although women do pay slightly less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Thomasville, a driving record with one accident will usually get you a rate around $105 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $86.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$64|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Thomasville, with drivers paying around $63 per month for insurance coverage.
The cost of insurance for car, truck, and van owners in Thomasville, however, usually comes out to about $73 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. 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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally, married policyholders 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Thomasville, with married couples paying about $22 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Another factor that comes into play is your living situation. Renters can expect to pay around $2 a month more than homeowners in Thomasville. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Thomasville, GA
Recent trends in car insurance for Thomasville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Thomasville, auto insurance rates rose from 2016-2017, when they reached a high of $75. This changed in 2018, when they began to decrease again. They finished down in 2021, at $64 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. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Frequency of car accidents
- Access to off-street parking
- Regional crime rates
- Number of drivers in the area
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 get started.
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.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in Thomasville.
Thomasville Insurance FAQs
What factors affect car insurance quotes in Thomasville?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
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 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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Thomasville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?