Cumming Auto Insurance Rates, Quotes, Agents & Reviews in GA

Cumming, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cumming, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cumming, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Cumming, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cumming, GA with that of other cities in and around Cumming.

Cumming Buford Big Creek Sugar Hill Silver City Forsyth County
Average Insurance Rates $1,567 $1,673 $1,859 $1,680 $1,733 $1,796

Cumming, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cumming, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cumming $2,290 $1,934
Forsyth County $1,742 $1,471
Silver City $1,866 $1,576
Big Creek $1,351 $1,141
Chestatee $1,509 $1,275
Buford-Sugar Hill $1,385 $1,170
Sugar Hill $1,587 $1,341
Buford $1,092 $922

Cumming, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cumming, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,085
20 Years $2,013
30 Years $1,551
40 Years $1,492
50 Years $1,382
60 Years $1,401
70 Years $1,631

Cumming, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cumming, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,695 $439
3 Vehicles $4,043 $658
4 Vehicles $5,390 $878

Savings on 2 Vehicles bundle:$439

Savings on 3 Vehicles bundle:$658

Savings on 4 Vehicles bundle:$878


Cumming, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cumming, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Cumming $1,567 $2,865
Forsyth County $1,796 $3,283
Silver City $1,733 $3,168
Big Creek $1,859 $3,398
Chestatee $1,691 $3,091
Buford-Sugar Hill $1,696 $3,100
Sugar Hill $1,680 $3,071
Buford $1,673 $3,058

Cumming, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,344
Excellent (740-799) $1,535
Good (670-739) $1,633
Average (580-669) $2,130
Poor (300-579) $2,556

Cumming, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$69 $1,636
Driver's Failure In Showing Documents +$152 $1,719
Driving With An Expired Registration +$161 $1,728
Driving At A Considerably Slow Pace +$340 $1,907
Using A Cellphone While Driving +$359 $1,926
Running A Red Light +$365 $1,932
Speeding +$384 $1,951
Driving A Vehicle Without The Required Permission +$487 $2,054
Driving With An Expired/Suspended License +$1,056 $2,623

Cumming, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,504
Active Disabling Device $1,504
Tracking Device $1,473
Passive Disabling Device $1,457

Latest Auto Insurance Reviews in Cumming, GA | Back to Top

Geico
I've been with Geico many years now. During that time I was in an accident and they responded quickly. My car was repaired in a timely manner at a fairly low cost to me.
State Farm
This company is recommendable but only when bundled with homeowners insurance. But, every person is different and each person has different driving records, credit scores, and other scenarios.
State Farm
The primary reason I have State Farm is because I have them for my home insurance. I've viewed pricing and it's close enough to competitors that I'm not willing to change at this time.
Farmer's Insurance
I would recommend this company to others because the prices are comparable to other companies and customer service is great.
Progressive
i used to have state farm and only had one vehicle on that policy it was super expensive for shitty coverage
Liberty Mutual
Liberty Mutual is very comparable to the insurance companies we have had before. Our policy offerings are nearly the same as what we had prior.
Geico
I cannot say anything bad about the company since I have not had any incidents with them so far. I hope it will remain the same for many years to come because I like stability and therefore would like to stay with Geico for some years.
Geico
GEICO offers all of the same policies that other companies offer; I have my car insurance through them and I was able to get my renters insurance through them as well.
Geico
The premiums at GEICO are higher than other insurance companies offering the same coverage. This is due to the exceptional service provided.
Geico
I love everything about my company. They are easy to deal with and paying them simply to do every month.
State Farm
My insurance company offers many other things like financing and even banking with them.