Georgetown, KY Car Insurance

Residents of Georgetown pay, on average, about $56 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Georgetown expect to pay for their car insurance? How does Georgetown compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Georgetown?

Area Average Monthly Car Insurance Premium
Georgetown$56
TX$65
United States$81

As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Georgetown than it is in the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Georgetown is more affordable. On average, it's about $25 less to insure your vehicle in Georgetown than it is in the rest of the U.S.

While these numbers are the average rates for auto insurance in Georgetown, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Georgetown so that you can get a more accurate idea of what your monthly bill might be. 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$101
25-34$52
35-44$47
45-54$42
55-64$40
65+$44

Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $57 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Georgetown may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$52

Female drivers pay, on average, slightly less than their male counterparts. In Georgetown, male drivers pay about $7 more a month. Based on the chart above, you can see that male drivers pay $59 on average, while female drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$85
1 Ticket$72
Multiple Tickets$100

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Georgetown, having a single accident on your record will usually get you rates around $68 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$47
4-5 Years$44
6-7 Years$57
8-10 Years$55
11-14 Years$61
15 Years or Older$56

The cheapest vehicles to insure in Georgetown are typically SUVs, with each type typically costing about $51 per month.

Truck and van drivers will see rates of about $53 for insurance coverage, while car owners usually pay around $58 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Georgetown, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$44
Divorced$47
Widowed$42

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Georgetown, with married couples paying about $18 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$55
Live with parents$78

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Georgetown. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Georgetown, TX

Recent trends in car insurance for Georgetown drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for auto insurance in Georgetown had been decreasing from 2017-2020, before leveling out in 2021. They finished down in 2022, at $40 a month

How does Georgetown compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Area regulations
  • Off-street parking availability
  • Total number of drivers in the area
  • Crime levels
  • Road Safety (frequency of car accidents)

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Georgetown?

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.

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

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Georgetown Insurance FAQs

What factors affect car insurance quotes in Georgetown?

Car insurance companies calculate quotes based on a wide array of factors. These 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 Georgetown 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 crime rates, local laws, 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 Georgetown?

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 Georgetown?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Georgetown 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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