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How much is car insurance in Georgetown?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Georgetown is about $9 cheaper than it is in the rest of Texas.
Likewise, car insurance rates in Georgetown are often favorable when viewed against the rest of the country. On average, it's about $24 less to insure your vehicle in Georgetown than it is in the rest of the United States.
While these are the average car insurance rates for Georgetown, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down the average rates for Georgetown to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Georgetown Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $59 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Georgetown.
Georgetown Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Georgetown is about $6 per month. Based on the chart above, you can see that female drivers pay around $53 on average, while male drivers typically pay $59 each month.
Georgetown Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Georgetown with a single accident will pay around $68 a month. Similarly, drivers with one ticket will typically pay around $75 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Georgetown Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$57|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Georgetown, with drivers paying around $50 per month for auto insurance coverage.
Truck and van drivers will see rates of about $53, while the rates for car owners average out to about $59 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Georgetown, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Georgetown Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Georgetown, with married couples paying about $17 less per month.
Georgetown Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Georgetown, expect to pay around $3 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
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.
The rates for car insurance in Georgetown dropped from 2017-2020, when they hit a low of $45. This leveled out in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $62.
How does Georgetown compare to neighboring areas?
Why are car insurance rates in Georgetown different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Amount of drivers in the community
- Community laws
- Rate of car accidents
- Amount of off-street parking
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 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 does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Georgetown.
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Georgetown Auto 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 gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Georgetown different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Georgetown?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 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. 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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