Jefferson, GA Car Insurance

How much can residents of Jefferson expect to pay for their car insurance? Are rates in Jefferson higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Jefferson?

Car insurance coverage in Jefferson is about $21 cheaper than it is in the rest of Georgia.

On the other hand, residents of Jefferson might expect to pay higher rates for coverage than the rest of the country. It's about $4 more expensive than the national average to insure your vehicle in Jefferson.

While these are the average car insurance rates for Jefferson, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down average rates for Jefferson to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Jefferson Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $64 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates start to rise again in Jefferson.

Jefferson Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Jefferson totals about $7 per month. Based on the chart above, you can see that female drivers pay around $81 on average, while male drivers typically pay $88 each month.

Jefferson Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Jefferson, a driving record with one accident will usually get you a rate around $138 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Jefferson Insurance Rates by Vehicle

The cheapest vehicles to insure in Jefferson are by and large trucks and vans, with each type typically costing about $79 per month.

Car owners will see a monthly premium of about $88, while SUV owners usually pay around $83 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Jefferson, the most expensive vehicles to insure are vehicles four-to-five years old.

Jefferson Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Jefferson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.

Jefferson Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in Jefferson. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Jefferson drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Car insurance rates in Jefferson had been increasing from 2017-2019, before steadying out in 2020. They finished down in 2022, at $74 per month

How does Jefferson compare to neighboring areas?

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

Car insurance companies look at a lot of factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

• Local laws

• Crime

• Road Safety (how many accidents each locality has)

• Amount of off-street parking

• Amount of drivers in the area

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Jefferson?

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 will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Jefferson.

Jefferson Auto Insurance FAQs