Winder, GA Car Insurance

The average monthly cost for car insurance in Winder is about $97. Check out our guide below to find out how much you'll pay.
How does Winder compare to the surrounding area and the rest of Georgia? How much can residents of Winder expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Winder?

Area Average Monthly Car Insurance Premium
Winder$97
GA$104
United States$80

According to the chart above, the average cost of auto insurance in Georgia is about $7 a month more expensive than it is in Winder.

Compared to the national average cost of auto coverage, Winder has higher rates. It's about $17 more expensive for coverage in Winder than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for Winder, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Winder 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$157
25-34$96
35-44$83
45-54$79
55-64$64
65+$82

Generally speaking, the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $75 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Winder.

Average Car Insurance Rates by Gender

Gender Average
Male$105
Female$91

Car insurance rates for women are generally cheaper than they are for men. In Winder, this difference shakes out to about $14 a month. As you can see in the table above, female drivers in the area typically pay $91 on average, while female drivers typically pay $105 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$191
1 Ticket$141
Multiple Tickets$185

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Winder, a driving record with a single accident will usually get you a rate around $128 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $141.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$120
2-3 Years$87
4-5 Years$99
6-7 Years$108
8-10 Years$107
11-14 Years$100
15 Years or Older$92

In Winder, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $90 per month for insurance.

SUV drivers will see rates of about $92 for auto insurance, while car owners usually pay around $100 per month.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Winder, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$109
Married$76
Divorced$74
Widowed$77

More often than not, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Winder as well, where the difference is around $33 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$87
Rent$101
Live with parents$128

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Winder. But if you live with your parents, your rates will be significantly higher.

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 Winder, GA

Recent trends in car insurance for Winder drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Car insurance rates in Winder went up steadily from 2016 through the present, where they reached $139 a month in 2021.

How does Winder compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • General road safety (how many accidents each locality has)
  • Availability of off-street parking
  • Total drivers
  • Local laws
  • Local crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Winder?

Equipping 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.

Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Winder in no time.

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Winder Insurance FAQs

What factors affect car insurance quotes in Winder?

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 Winder 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 Winder?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Winder?

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 Winder 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?

Find your best rate in just a few minutes