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How much is car insurance in Garner?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Garner is about $6 cheaper than it is in the rest of North Carolina.
Compared to the national average cost of auto insurance coverage, Garner has lower rates. Auto insurance coverage in Garner is about $32 cheaper than it is for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Garner and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Garner.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly premiums, the difference in Garner is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Garner, drivers with one accident on their record will experience rates around $44 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|2-3 Years||Not Enough Data|
|15 Years or Older||$53|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Garner, with drivers paying around $22 per month for auto insurance coverage.
SUV drivers will see rates of about $44 for car insurance, while car owners by and large pay around $50 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Garner are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Garner is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$38|
Another factor taken into consideration is your housing status. Renters can expect to pay around $2 a month more than homeowners in Garner. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Garner, NC
Recent trends in car insurance for Garner drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of auto insurance in Garner rose from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $47 a month
How does Garner compare to neighboring areas?
Why are car insurance rates in Garner different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road Safety (how many accidents each locality has)
- Amount of off-street parking
- Regional crime rates
- Area laws
- Amount of drivers in the region
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 Garner?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Garner.
Garner Insurance FAQs
What factors affect car insurance quotes in Garner?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Garner different from other neighboring cities?
Local laws, crime rates, 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 Garner?
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 Garner?
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 Garner 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?