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.
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 Rates
- Cumming, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cumming, GA
- Multi Vehicle Insurance Savings in Cumming, GA
- How Credit Score Affects Car Insurance Rates in Cumming, GA
- How DUI Affects Auto Insurance Premiums in Cumming, GA
- How Driving Violations Affect Auto Insurance Rates in Cumming, GA
- Cumming, GA Auto Insurance Discounts on Anti Theft Feature
- Cumming, GA Auto Insurance Company Reviews
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
GeicoI'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 FarmThis 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 FarmThe 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 InsuranceI would recommend this company to others because the prices are comparable to other companies and customer service is great.
Progressivei used to have state farm and only had one vehicle on that policy it was super expensive for shitty coverage
Liberty MutualLiberty Mutual is very comparable to the insurance companies we have had before. Our policy offerings are nearly the same as what we had prior.
GeicoI 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.
GeicoGEICO 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.
GeicoThe premiums at GEICO are higher than other insurance companies offering the same coverage. This is due to the exceptional service provided.
GeicoI love everything about my company. They are easy to deal with and paying them simply to do every month.
State FarmMy insurance company offers many other things like financing and even banking with them.