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How much is car insurance in Thomson?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Thomson is about $21 a month cheaper than it is for the rest of Georgia.
On the flip side, residents of Thomson might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $3 more for your policy in Thomson.
Although these are the average rates for auto insurance in Thomson, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, 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 what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Thomson.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Thomson, where women pay around $16 less a month. As illustrated in the table above, male drivers in the area pay about $94 on average, while female drivers pay around $78 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Thomson with one accident will pay around $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $228 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$78|
If you look at the first table above, the cheapest vehicles to insure in Thomson are typically cars, at $80 per month.
SUV owners will see rates of about $84, while truck and van owners usually pay around $101 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Thomson, 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)||$90|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Thomson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
One other element taken into consideration is your housing situation. Homeowners in Thomson can expect to pay around $17 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
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 Thomson, GA
Recent trends in car insurance for Thomson drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Thomson, auto insurance rates rose steadily from 2016 through the present, where they reached $183 a month in 2021.
How does Thomson compare to neighboring areas?
Why are car insurance rates in Thomson different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of car accidents)
- Amount of drivers in the community
- Regional crime rates
- Regional regulations
- Access to off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Thomson?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Thomson.
Thomson 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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Thomson different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Thomson?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Thomson?
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 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.