Table of contents
How much is car insurance in Woodstock?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Woodstock are about $7 a month cheaper than in the rest of Georgia.
On the flip side, Woodstock residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Woodstock is about $17 more expensive than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Woodstock, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Woodstock to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Woodstock may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Woodstock is around $13 per month. As you can see in the chart above, car insurance for women in the area typically costs around $90 each month, while men pay $103 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Woodstock, having a single accident on your record will usually get you rates around $131 a month. In addition, drivers with one ticket can expect to pay around $174 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$97|
If you look at the first table above, the cheapest vehicles to insure in Woodstock are by and large trucks and vans, at $85 per month.
Car owners, on the other hand, usually pay around $100 a month, while SUV drivers can expect to pay about $95 per month for auto insurance coverage.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Woodstock are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Overall, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Woodstock reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Woodstock can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Woodstock, GA
Recent trends in car insurance for Woodstock drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Woodstock, the rates for car insurance decreased from 2016-2017, before rising from 2018-2019. They finished up in 2021 at $119.
How does Woodstock compare to neighboring areas?
Why are car insurance rates in Woodstock different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Number of drivers in the region
- Regional crime rates
- Off-street parking availability
- Area regulations
- Number of car accidents
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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Woodstock?
While getting familiar with 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.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Woodstock.
Woodstock Insurance FAQs
What factors affect car insurance quotes in Woodstock?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Woodstock different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Woodstock?
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 Woodstock?
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. 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 Woodstock or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?