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How does Valdosta compare to the surrounding area and the rest of Georgia? What should residents of Valdosta expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Valdosta | $74 |
| GA | $105 |
| United States | $80 |
The cost of coverage in Valdosta is about $31 a month cheaper than it is for the rest of Georgia.
Likewise, when compared to the national average, the cost for auto insurance in Valdosta is lower. The average monthly payment for the United States as a whole is about $6 more expensive than in Valdosta.
Bear in mind that while these are the average car insurance rates for Valdosta, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down the average rates for Valdosta to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $108 |
| 25-34 | $76 |
| 35-44 | $68 |
| 45-54 | Not Enough Data |
| 55-64 | $56 |
| 65+ | $62 |
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Valdosta.
Gender | Average |
|---|---|
| Male | $78 |
| Female | $71 |
On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Valdosta, where women pay around $7 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $71 each month, while men pay $78 on average.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $97 |
| Multiple Accidents | $152 |
| 1 Ticket | $93 |
| Multiple Tickets | $104 |
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in Valdosta with a single accident on their record is about $97 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $93.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $76 |
| 2-3 Years | $89 |
| 4-5 Years | $85 |
| 6-7 Years | $77 |
| 8-10 Years | $84 |
| 11-14 Years | $75 |
| 15 Years or Older | $67 |
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Valdosta, with drivers paying around $62 per month for auto insurance.
SUV drivers will see rates of about $73, while the rates for car owners average out to about $77 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Valdosta are vehicles four-to-five years old.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $78 |
| Married | $59 |
| Divorced | $59 |
| Widowed | $57 |
More often than not, those who are currently 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.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Valdosta as well, where the difference is around $19 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $63 |
| Rent | $77 |
| Live with parents | $91 |
Another factor that comes into play is your housing situation. If you rent your home or apartment in Valdosta, expect to pay around $14 a month more than if you own your home. 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 average costs, depending on your insurance company.
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Valdosta, auto insurance rates increased from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $61 a month.
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
Off-street parking access
Number of drivers in the region
Local laws
General road safety (how many accidents each locality has)
Local crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
Equipping 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 hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Valdosta.
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Valdosta or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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