Georgetown, TX Car Insurance

What rates can residents of Georgetown expect to pay for their car insurance? How does Georgetown stack up to the rest of the area, or even Texas as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Georgetown?

Based on the chart above, you can see that coverage in Georgetown typically costs about $9 a month less than it does in the rest of Texas.

Likewise, when compared to the national average, the cost for auto insurance in Georgetown is lower. It's around $25 less to insure your vehicle compared to the average rate for the United States as a whole.

Bear in mind that while these rates are the average costs for Georgetown residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

But don't worry, we've broken down average rates for Georgetown residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up a bit in Georgetown.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. In Georgetown, the difference comes out to about $8 per month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $60 each month.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Georgetown, a driving record with one accident will usually get you a rate around $68 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Georgetown are typically SUVs, at $51 per month.

Car owners will see rates of about $58, while truck and van owners usually pay around $53 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Georgetown, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Georgetown is no exception, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than those who own their own home in Georgetown. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Georgetown, TX

Recent trends in car insurance for Georgetown drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Georgetown, the rates for auto insurance dropped from 2017-2020, when they hit a low of $45. This changed in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $59.

How does Georgetown compare to neighboring areas?

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

Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

• Area crime rates
• Number of car accidents
• Local regulations
• Total amount of drivers in the area
• Off-street parking accessibility

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Georgetown?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Georgetown.

Georgetown Insurance FAQs

What factors affect car insurance quotes in Georgetown?

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 address, credit score, driving record, and marital status.

Why is the cost of car insurance in Georgetown different from other neighboring cities?

Parking situations, crime rates, and local laws -- 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 Georgetown?

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 by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Georgetown 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.