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 coverage in Toccoa typically costs about $36 a month less than it does in the rest of Georgia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Toccoa is rather affordable. You can expect to pay about $11 below the national average for auto insurance in Toccoa.
Bear in mind that while these are the average car insurance rates for Toccoa, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't worry, we've done the work for you and broken down the average rates for Toccoa to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Toccoa may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The price for auto insurance in Toccoa, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Toccoa, having a single accident on your record will usually get you rates around $94 a month. In addition, drivers with one ticket can expect to pay around $92 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$68|
In terms of affordable coverage, the cheapest vehicles to insure in Toccoa are usually trucks and vans, at $67 per month.
SUV drivers will see rates of about $72, while the rates for car owners average out to about $69 per month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Toccoa, 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)||$75|
More often than not, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Toccoa is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Toccoa. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Toccoa, GA
Recent trends in car insurance for Toccoa drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Car insurance rates in Toccoa had been increasing from 2017-2018, when they hit a high of $88. This pattern leveled out in 2021, when they began to decrease, and have continued on that path through the present, where policy premiums finished at $62 a month.
How does Toccoa compare to neighboring areas?
Why are car insurance rates in Toccoa different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- General road safety (how many accidents each locality has)
- Availability of off-street parking
- Regional regulations
- Amount of drivers in the community
- Crime rates
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?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Toccoa.
Toccoa Insurance FAQs
What factors affect car insurance quotes in Toccoa?
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, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Toccoa different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Toccoa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Toccoa?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Toccoa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.