Table of contents
How much is car insurance in Tunnel Hill?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Tunnel Hill typically costs about $38 a month less than it does in the rest of Georgia.
Compared to the rest of the country, auto insurance in Tunnel Hill is more affordable. The average monthly payment in Tunnel Hill is about $14 cheaper than the rate for the rest of the United States.
Although these are the average car insurance rates in Tunnel Hill, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill 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.
We've done the heavy lifting for you and broken down the average rate for Tunnel Hill so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Tunnel Hill.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Tunnel Hill, where women pay around $10 less per month. Based on the chart above, you can see that male drivers pay $72 on average, while female drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Tunnel Hill with a single accident will pay around $99 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$65|
In terms of affordable coverage, the cheapest vehicles to insure in Tunnel Hill are usually trucks and vans, at $59 per month.
Car owners will see a monthly premium of about $65, while SUV owners typically pay around $71 a month.
You may also see different rates based on how old your vehicle is. 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 rates drop back down a bit. In Tunnel Hill, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Tunnel Hill, with married couples paying about $15 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $4 a month more than those who own their own home in Tunnel Hill. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Tunnel Hill, GA
Recent trends in car insurance for Tunnel Hill drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for auto insurance in Tunnel Hill rose from 2016-2019, when they hit a high of $84. This pattern changed in 2020, when they began to decrease, and have continued on that path through 2021, when car insurance rates reached a low of $47 per month.
How does Tunnel Hill compare to neighboring areas?
Why are car insurance rates in Tunnel Hill different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Amount of drivers in the region
- Road Safety (frequency of car accidents)
- Area regulations
- Access to off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Tunnel Hill?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Tunnel Hill.
Tunnel Hill Insurance FAQs
What factors affect car insurance quotes in Tunnel Hill?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Tunnel Hill 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 Tunnel Hill?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tunnel Hill?
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 Tunnel Hill 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.