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What can Montezuma residents expect to pay for their car insurance? How does Montezuma stack up to the rest of the area, or even Georgia as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Montezuma | $110 |
| GA | $105 |
| United States | $80 |
As you can see, car insurance policies across the rest of Georgia are about $5 a month cheaper than the rates drivers pay in Montezuma.
Compared to the national average cost of auto coverage, Montezuma has higher rates. The cost of insuring a vehicle in Montezuma is about $30 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Montezuma, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Montezuma residents based on several different factors 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 Code below to learn more about rates in your area!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $159 |
| 25-34 | $79 |
| 35-44 | $61 |
| 45-54 | Not Enough Data |
| 55-64 | $43 |
| 65+ | $53 |
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may start to rise again in Montezuma.
Gender | Average |
|---|---|
| Male | $133 |
| Female | $68 |
In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Montezuma totals about $65 per month. As you can see in the table above, male drivers in the area typically pay $133 on average, while female drivers typically pay $68 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $135 |
| Multiple Accidents | $218 |
| 1 Ticket | $85 |
| Multiple Tickets | $122 |
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Montezuma, a driving record with one accident will usually get you a rate around $135 a month. In addition, drivers with one ticket can expect to pay around $85 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $56 |
| 2-3 Years | $181 |
| 4-5 Years | $102 |
| 6-7 Years | $157 |
| 8-10 Years | $120 |
| 11-14 Years | $94 |
| 15 Years or Older | $101 |
In Montezuma, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $63 per month for insurance coverage.
Car owners can expect to pay an average of around $118 a month for their policy, while SUVs usually cost around $86 a month to insure.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Montezuma, vehicles two-to -three years old are the most expensive to insure.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $115 |
| Married | $82 |
| Divorced | $56 |
| Widowed | $50 |
Overall, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Montezuma reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $33 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $128 |
| Rent | $81 |
| Live with parents | $76 |
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $47 less than drivers who own property in Montezuma. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Montezuma, car insurance rates decreased from 2017-2018, where they hit a high of $96, before steadying out in 2019. Insurance rates went up again in 2020, and finished down at $52 in 2022.
When considering how much to charge for coverage, car insurance companies will review many factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
Regional regulations
Access to off-street parking
Crime
Total number of drivers in the area
Frequency 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. Get started with a guide like this to get familiar with the average rates of your area.
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Montezuma.
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
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.
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Montezuma or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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