Table of contents
How much is car insurance in Tunnel Hill?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Tunnel Hill are about $36 a month cheaper than in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Tunnel Hill are below the national average. You can expect to pay about $11 less for your policy in Tunnel Hill than in the rest of U.S.
Although these are the average rates for auto insurance in Tunnel Hill, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Tunnel Hill residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, 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 $59 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up a bit in Tunnel Hill.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Tunnel Hill, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Tunnel Hill with one accident will pay around $118 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $101.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$72|
According to the first table above, the cheapest vehicles to insure in Tunnel Hill are typically trucks and vans, at $61 per month.
Car owners can expect to pay an average of around $67 a month for their policy, while SUVs usually cost around $79 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Tunnel Hill, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Tunnel Hill follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Tunnel Hill. 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 with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Tunnel Hill, GA
Recent trends in car insurance for Tunnel Hill 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.
The rates for car insurance in Tunnel Hill went up from 2017-2019, before leveling out in 2020. They finished down in 2022, at $59 a 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 an insurance policy, car insurance companies will evaluate a variety of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking accessibility
- Number of car accidents
- Rate of crime
- Regional laws
- Total number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Tunnel Hill?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Tunnel Hill in no time.
Tunnel Hill Insurance FAQs
What factors affect car insurance quotes in Tunnel Hill?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
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 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 Tunnel Hill?
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 Tunnel Hill?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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.