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How much is car insurance in Villa Rica?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Villa Rica is in line with pricing for the rest of Georgia.
On the other hand, Villa Rica residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Villa Rica is about $23 more expensive than the national average.
Although these are the average rates for auto insurance in Villa Rica, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Villa Rica residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Villa Rica.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Villa Rica, where women pay around $17 less per month than men. As illustrated in the table above, female drivers in the area pay about $97 on average, while male drivers pay around $114 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Villa Rica with one accident will pay around $139 a month. In addition, drivers with a single ticket on their record can expect to pay around $117 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$93|
|15 Years or Older||$101|
The cheapest vehicles to insure in Villa Rica are typically SUVs, with each type typically costing about $98 per month.
Truck and van drivers will see rates of about $103 to insure their car, while car owners by and large pay around $108 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Villa Rica, 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)||$116|
More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Villa Rica can be as much as $35 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Villa Rica. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Villa Rica, GA
Recent trends in car insurance for Villa Rica drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Villa Rica declined from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $97 per month
How does Villa Rica compare to neighboring areas?
Why are car insurance rates in Villa Rica different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Access to off-street parking
- Rate of crime
- Community regulations
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Villa Rica?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Villa Rica.
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Villa Rica Insurance FAQs
What factors affect car insurance quotes in Villa Rica?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Villa Rica different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Villa Rica?
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 Villa Rica?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Villa Rica or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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