Table of contents
How much is car insurance in Toccoa?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $34 a month cheaper to insure your vehicle in Toccoa than it is in the rest of Georgia.
Similarly, car insurance rates in Toccoa are more affordable than the national average. The average monthly payment in Toccoa is about $10 cheaper than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Toccoa, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Toccoa to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Toccoa.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Toccoa is about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $68 each month, while men pay $74 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Toccoa with a single accident on their record will usually see rates around $89 a month. In addition, drivers with a single ticket on their record can expect to pay around $92 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$70|
As you can see in the first table above, the cheapest vehicles to insure in Toccoa are usually cars, which run about $69 per month.
SUV owners will see rates of about $75, while truck and van owners typically pay around $70 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Toccoa are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, married policyholders will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Toccoa can be as much as $17 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Another factor that comes into play is your housing situation. Renters can expect to pay around $10 a month more than drivers who own property in Toccoa. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Toccoa, GA
Recent trends in car insurance for Toccoa drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Toccoa rose from 2016-2018, before leveling out in 2019. They finished down in 2021, at $72 a month
How does Toccoa compare to neighboring areas?
Why are car insurance rates in Toccoa different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Area laws
- Frequency of car accidents
- Crime levels
- Availability of off-street parking
- Number of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Toccoa?
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 can handle all of this for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing coverage in Toccoa.
Toccoa Insurance FAQs
What factors affect car insurance quotes in Toccoa?
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 Toccoa 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 parking situations, local laws, 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 Toccoa?
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 Toccoa?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Toccoa or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.