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How much is car insurance in Winder?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Winder is about $8 cheaper than it is in the rest of Georgia.
Compared to the national average cost of auto coverage, Winder has higher rates. It's around $17 more expensive for coverage in Winder than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Winder, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down the average rates for Winder to help you understand what exactly you might be asked to 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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Winder Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, 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 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Winder.
Winder Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Winder, where women pay around $15 less per month than men. As illustrated in the table above, female drivers in the area pay about $91 on average, while male drivers pay around $106 each month.
Winder Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Winder, drivers with one accident on their record will experience rates around $124 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $107.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Winder Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$153|
|15 Years or Older||$91|
As you can see in the first table above, the cheapest vehicles to insure in Winder are typically SUVs, which run about $90 per month.
Car owners can expect to pay an average of around $102 a month for their policy, while truck and van drivers are usually around $93 to insure each month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are 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. In Winder, vehicles less than one year old are the most expensive to insure.
Winder Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
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 $32 a month.
Winder Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$124|
One other element taken into consideration is your living accommodations. Those who own their own home in Winder can expect to pay around $15 a month less than those who rent. But if you live with your parents, you 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 car insurance premiums.
Car Insurance Companies in Winder, GA
Recent trends in car insurance for Winder drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Winder, the rates for auto insurance had been increasing steadily from 2017-2021. They finished down in 2022, at $82.
How does Winder compare to neighboring areas?
Why are car insurance rates in Winder different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (frequency of car accidents)
- Availability of off-street parking
- Total drivers
- Crime levels
- Community regulations
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 Winder?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Winder.
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Winder Auto Insurance FAQs
What factors affect car insurance quotes in Winder?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Winder different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Winder?
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 Winder?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Winder 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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