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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 flip side, Villa Rica residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $24 more expensive than the national average to insure your vehicle in Villa Rica.
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 an array of factors into consideration when determining how much to charge you to insure 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 average rates for Villa Rica residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Villa Rica Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Villa Rica drivers may see their rates start to rise again once they hit retirement.
Villa Rica Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Villa Rica, where women pay around $16 less a month. As you can see in the table above, male drivers in the area typically pay $113 on average, while female drivers typically pay $97 each month.
Villa Rica Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Villa Rica, a driving record with a single accident will usually get you a rate around $140 a month. In addition, drivers with a single ticket on their record can expect to pay around $114 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Villa Rica Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$93|
|15 Years or Older||$101|
The most affordable vehicles to insure in Villa Rica are typically SUVs, which run about $100 per month.
Car owners, on the other hand, by and large pay around $107 per month, while truck and van drivers can expect to pay about $103 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Villa Rica, the most expensive vehicles to insure are vehicles four-to-five years old.
Villa Rica Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Villa Rica, the difference in rates based on relationship status can be as much as $33 a month.
Villa Rica Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Villa Rica. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 when choosing your car insurance policy.
Car insurance rates in Villa Rica declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $95 per month
How does Villa Rica compare to neighboring areas?
Why are car insurance rates in Villa Rica different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Total amount of drivers in the community
- Regional crime rates
- Amount of off-street parking
- Rate of car accidents
- Area laws
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. 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 Villa Rica?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Villa Rica.
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Villa Rica Auto Insurance FAQs
What factors affect car insurance quotes in Villa Rica?
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 age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Villa Rica different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Villa Rica?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Villa Rica?
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 Villa Rica 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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