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How much is car insurance in Thomson?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $20 a month cheaper to insure your vehicle in Thomson than it is in the rest of Georgia.
On the other hand, Thomson residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $5 more for coverage in Thomson than in the rest of the U.S.
These rates may be the average amount Thomson residents 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. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Thomson residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Thomson Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. 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 two times as much as drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Thomson drivers may see their rates start to rise again once they hit retirement age.
Thomson Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Thomson is around $16 per month. As you can see in the table above, male drivers in the area typically pay $96 on average, while female drivers typically pay $80 each month.
Thomson Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Thomson, a driving record with one accident will usually get you a rate around $146 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $122.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Thomson Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$77|
If you look at the first table above, the cheapest vehicles to insure in Thomson are typically cars, trucks, and vans, at $85 per month.
SUV owners, however, pay about $87 per month to insure their car.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Thomson, the most expensive vehicles to insure are vehicles four-to-five years old.
Thomson Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Thomson can be as much as $25 a month, so it's worth keeping that in mind.
Thomson Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $17 a month more than those who own their own home in Thomson. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Thomson, GA
Recent trends in car insurance for Thomson 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.
In Thomson, auto insurance rates had been increasing consistently from 2017-2021. They finished down in 2022, at $55.
How does Thomson compare to neighboring areas?
Why are car insurance rates in Thomson different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Number of drivers in the area
- Road Safety (how many accidents each locality has)
- Prevalence of crime
- Amount of off-street parking
- 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 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 Thomson?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Just 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 providing auto coverage in Thomson in no time.
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Thomson Auto Insurance FAQs
What factors affect car insurance quotes in Thomson?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Thomson 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Thomson?
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 Thomson?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Thomson 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.
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