Covington, GA Car Insurance

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

How much is car insurance in Covington?

Looking at the chart above, you can see that the average monthly price is about the same in Covington as it is in the rest of Georgia.

Compared to the national average cost of auto coverage, Covington has higher rates. The cost of insuring a vehicle in Covington is about $26 more expensive than the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Covington, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining 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 payment amount.

But don't worry, we've broken down the average rate for Covington residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Covington Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $78 more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Covington may see their rates climb back up a bit once they hit retirement.

Covington Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In Covington, the difference comes out to about $10 a month. Looking at the table above, you can see that female drivers pay around $102 on average, while male drivers typically pay $112 each month.

Covington Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Covington with a single accident on their record will usually see rates around $141 a month. Likewise, drivers with one ticket will be looking at a rate of around $134 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Covington Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Covington are by and large trucks and vans, at $100 per month.

Car owners will see a monthly rate of about $109, while SUV owners usually pay around $101 per month.

You can also expect to see slightly different rates 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. In Covington, vehicles four-to-five years old are the most expensive to insure.

Covington Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Covington is no exception, with the difference totaling to around $29 a month.

Covington Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Drivers who own property in Covington can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Recent trends in car insurance for Covington drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Covington, auto insurance rates increased steadily from 2017-2021. They finished down in 2022, at $93.

How does Covington compare to neighboring areas?

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

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

• Local crime rates

• Road Safety (frequency of car accidents)

• Laws

• Availability of off-street parking

• Number of drivers in the area

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 get started.

How can I find the cheapest car insurance in Covington?

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.

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Covington.

Covington Auto Insurance FAQs