Baxley, GA Car Insurance

Compared to their surrounding area, how do rates in Baxley stack up? What about against the rest of Georgia? What rates can residents of Baxley expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Baxley?

Car insurance coverage in Baxley is about $35 cheaper than it is in the rest of Georgia.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Baxley is rather affordable. The average monthly payment for the U.S. as a whole is about $10 more expensive than in Baxley.

Although these are the average car insurance rates in Baxley, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Baxley so that you can get a more accurate idea of what you might pay. 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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Baxley Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to increase again in Baxley.

Baxley Car Insurance Rates by Gender

In general, female drivers pay less for car insurance than their male counterparts. In Baxley, the difference comes out to about $21 a month. Looking at the table above, you can see that female drivers pay around $62 on average, while male drivers typically pay $83 each month.

Baxley Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Baxley, a driving record with one accident will usually get you a rate around $129 a month. In addition, drivers with a single ticket on their record can expect to pay around $74 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Baxley Insurance Rates by Vehicle

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Baxley, with drivers paying around $69 per month for auto insurance coverage.

Car owners will see a monthly rate of about $70, while SUV owners by and large pay around $71 per month.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Baxley, the most expensive vehicles to insure are vehicles six-to-seven years old.

Baxley Car Insurance Rates by Relationship Status

Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Baxley can be as much as $18 a month, so it's worth taking into consideration.

Baxley Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Whether rent your home or own property in Baxley, you can expect to pay around $66 per month.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Baxley, GA

Recent trends in car insurance for Baxley drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

In Baxley, the rates for car insurance had been increasing from 2017-2018, when they reached a high of $85. This trend changed in 2021, when they began to decrease, and have continued on that road through 2022, when policy premiums hit a low of $50 a month.

How does Baxley compare to neighboring areas?

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

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:

• Number of drivers
• Off-street parking access
• Crime
• Regional laws
• Rate of car accidents

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Baxley?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Baxley.

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Baxley Auto Insurance FAQs

What factors affect car insurance quotes in Baxley?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Baxley 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 Baxley?

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 Baxley?

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 Baxley 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?