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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 $33 a month cheaper than in the rest of Georgia.
Compared to the rest of the country, auto insurance in Thomasville is more affordable. Car insurance rates for the U.S. as a whole are, on average, $8 more expensive than the rates you'd pay in Thomasville.
Bear in mind that while these rates are the average costs for drivers in Thomasville, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
We've done the heavy lifting for you and broken down the average rate for Thomasville so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $71 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to go back up in Thomasville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Thomasville totals about $4 a month. As you can see in the table above, male drivers in the area typically pay $75 on average, while female drivers typically pay $71 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Thomasville, drivers with one accident on their record will experience rates around $119 a month. Similarly, drivers with one ticket will typically pay around $66 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$55|
|15 Years or Older||$67|
In terms of affordable coverage, the cheapest vehicles to insure in Thomasville are usually SUVs, at $66 per month.
Car owners can expect to pay an average of around $76 a month for their policy, while truck and van drivers are usually around $72 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Thomasville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
On average, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Thomasville as well, where the difference is around $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your living accommodations. Homeowners in Thomasville can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance coverage in Thomasville decreased from 2017-2019, but began to increase from 2020-2021, when they reached a high of $98. Insurance rates finished down in 2022, at $60 per month.
How does Thomasville compare to neighboring areas?
Why are car insurance rates in Thomasville different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Crime rates
- Road safety
- Access to off-street parking
- Regional regulations
- Total number of drivers in the community
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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Thomasville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage 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 like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Thomasville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, 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 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Thomasville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Thomasville 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.