Hoschton, GA Car Insurance
The average cost for car insurance in Hoschton is about $86 a month. We cover plan rates, policies and more in our guide below.
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Table of contents
What can Hoschton residents expect to pay for their car insurance? How do rates in Hoschton measure up compared to neighboring areas, including Georgia 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 Hoschton?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Hoschton | $86 |
| GA | $105 |
| United States | $80 |
The cost of coverage in Hoschton is about $19 a month cheaper than it is for the rest of Georgia.
Conversely, Hoschton residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $6 more expensive than the national average to insure your vehicle in Hoschton.
Keep in mind that while these are the average car insurance rates for Hoschton, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Hoschton residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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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Hoschton Car Insurance Rates by Age
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $141 |
| 25-34 | $84 |
| 35-44 | $79 |
| 45-54 | Not Enough Data |
| 55-64 | $68 |
| 65+ | $80 |
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $61 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Hoschton.
Hoschton Car Insurance Rates by Gender
Gender | Average |
|---|---|
| Male | $93 |
| Female | $79 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Hoschton, male drivers pay about $14 more per month. Based on the chart above, you can see that male drivers pay $93 on average, while female drivers typically pay $79 each month.
Hoschton Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $103 |
| Multiple Accidents | $164 |
| 1 Ticket | $93 |
| Multiple Tickets | $110 |
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Hoschton with one accident will pay around $103 a month. Similarly, drivers with one ticket will typically pay around $93 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Hoschton Insurance Rates by Vehicle
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $70 |
| 2-3 Years | $90 |
| 4-5 Years | $85 |
| 6-7 Years | $73 |
| 8-10 Years | $95 |
| 11-14 Years | $88 |
| 15 Years or Older | $86 |
As you can see in the first table above, the cheapest vehicles to insure in Hoschton are by and large trucks and vans, which run about $77 per month.
Car owners will see a monthly rate of about $84, while SUV owners usually pay around $98 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Hoschton, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Hoschton Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $86 |
| Married | $93 |
| Divorced | $83 |
| Widowed | $78 |
Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Hoschton, with married couples paying about $7 less per month.
Hoschton Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
|---|---|
| Own | $83 |
| Rent | $89 |
| Live with parents | $92 |
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than homeowners in Hoschton. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Recent trends in car insurance for Hoschton drivers
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The cost of car insurance coverage in Hoschton had been increasing from 2017-2018, before steadying out in 2019. They went up again, hitting a high of $96 in 2021, and finished down at $82 in 2022.
How does Hoschton compare to neighboring areas?
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Why are car insurance rates in Hoschton different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
Road safety
Regional laws
Amount of off-street parking
Local crime rates
Total amount of drivers in the community
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. 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 Hoschton?
While knowing 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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Hoschton.
Hoschton Auto Insurance FAQs
Why is the cost of car insurance in Hoschton 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 Hoschton?
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 Hoschton?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Hoschton 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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