Valdosta, GA Car Insurance

On average, Valdosta drivers pay a monthly average rate of around $74 for their car insurance. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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How does Valdosta stack up to the rest of the area, or even Georgia as a whole? How much can residents of Valdosta expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Valdosta?

Area Average Monthly Car Insurance Premium
Valdosta$74
GA$106
United States$81

As you can see in the chart above, it is around $32 a month cheaper to insure your vehicle in Valdosta than it is in the rest of Georgia.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Valdosta is rather affordable. It's around $7 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates represent the expected monthly payments for Valdosta drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've broken down the average rates for Valdosta to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$109
25-34$77
35-44$69
45-54$56
55-64$56
65+$62

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $47 more than someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Valdosta.

Average Car Insurance Rates by Gender

Gender Average
Male$79
Female$71

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Valdosta, the difference comes out to about $8 a month. As you can see in the table above, male drivers in the area typically pay $79 on average, while female drivers typically pay $71 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$96
Multiple Accidents$152
1 Ticket$93
Multiple Tickets$104

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Valdosta with a single accident on their record is about $96 a month. In addition, drivers with one ticket can expect to pay around $93 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$76
2-3 Years$89
4-5 Years$86
6-7 Years$78
8-10 Years$85
11-14 Years$75
15 Years or Older$67

As you can see in the first table above, the cheapest vehicles to insure in Valdosta are usually trucks and vans, which run about $63 per month.

Car owners will see a monthly rate of about $77, while SUV owners by and large pay around $73 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Valdosta are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$59
Divorced$59
Widowed$57

On average, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Valdosta, with married couples paying about $20 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$78
Live with parents$91

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Valdosta. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Valdosta, GA

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Valdosta increased from 2017-2018, before leveling out in 2019. Policy premiums began increasing again in 2020, and finished down in 2022, at $61 a month

How does Valdosta compare to neighboring areas?

Why are car insurance rates in Valdosta different from other areas?

There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Local regulations
  • Crime rates
  • Off-street parking access
  • Road safety
  • Total number of drivers

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Valdosta?

Arming 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. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Valdosta.


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Valdosta Insurance FAQs

What factors affect car insurance quotes in Valdosta?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Valdosta 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 Valdosta?

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 Valdosta?

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?

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 Valdosta 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.

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