Valdosta, GA Car Insurance

On average, drivers in Valdosta pay around $71 per month for their car insurance. For more information refer to our guide below.
How much can residents of Valdosta expect to pay for their car insurance? How do rates in Valdosta measure up compared to neighboring areas, including Georgia as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Valdosta?

Area Average Monthly Car Insurance Premium
Valdosta$71
GA$104
United States$80

Based on the chart above, you can see that coverage in Valdosta typically costs about $33 a month less than it does in the rest of Georgia.

Compared to the rest of the country, auto insurance in Valdosta is more affordable. The average monthly payment for the United States as a whole is about $9 more expensive than in Valdosta.

Keep in mind that while these are the average car insurance rates for Valdosta, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down average rates for Valdosta to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$70
35-44$62
45-54Not Enough Data
55-64$57
65+$63

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Valdosta may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$68

Car insurance rates for women are generally cheaper than they are for men. The difference in Valdosta is about $7 per 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 $75 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$131
1 Ticket$119
Multiple Tickets$157

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. In Valdosta, having a single accident on your record will usually get you rates around $91 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $119.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$82
4-5 Years$87
6-7 Years$75
8-10 Years$76
11-14 Years$70
15 Years or Older$67

As you can see in the first table above, the cheapest vehicles to insure in Valdosta are by and large trucks and vans, which run about $62 per month.

Car owners, on the other hand, usually pay around $73 a month, while SUV drivers can expect to pay about $69 per month for insurance coverage.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Valdosta, 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)$75
Married$58
Divorced$59
Widowed$61

Generally speaking, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly award 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 Valdosta 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
Own$63
Rent$72
Live with parents$96

One other element taken into consideration is your housing status. In Valdosta, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Valdosta, GA

Recent trends in car insurance for Valdosta drivers

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.

The cost of auto insurance coverage in Valdosta increased from 2016-2018, before steadying out in 2019. Insurance rates had been increasing again recently, hitting a high of $88 in 2021.

How does Valdosta compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Road safety
  • Availability of off-street parking
  • Community laws
  • Rate of crime
  • Total number of drivers in the region

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Valdosta?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Valdosta.

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Valdosta Insurance FAQs

What factors affect car insurance quotes in Valdosta?

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 gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Valdosta different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Valdosta?

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 Valdosta?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Valdosta or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes