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About Car Insurance Rates for 2018

November 13, 2018

USA- writes that car insurance rates vary depending on the state. Insurance premiums range from a high of $2,239 in Michigan to $932 in Vermont. Michigan has been the most expensive state to pay car insurance premiums in for the past five years. Although Michigan is paying less this year than in 2017, the rate is still 64 percent above the national average.

Vermont and other rural states with smaller populations tend to have lower insurance premiums. Vermont’s rates are $433 lower than the average. 

Georgia ranks at number 8, with insurance premiums of $1,668, which is several hundred dollars above the national average of $1,365. 

Insurance companies calculate rates using a variety of risk factors. Drivers have control over some of the factors and not others. Rates vary based on a driver’s age and gender with drivers paying less as they get older, and men paying less than women, who statistically are involved in fewer collisions.

If you live in an area that hashigh crime rates, or high rates of claims, your rates will be higher. Insurance companies also look at whether your vehicle is kept in a garage. 

The type of car you drive is considered as well. If you own a minivan, your rates are likely lower than if you drive a luxury vehicle. 

Of course, one major factor that contributes to how much a diver will pay is his or her driving record. Being involved in accidents and getting traffic violations are both likely to greatly increase your insurance rates. 

Drivers in states with frequent bad weatheror high rates of uninsured drivers are also likely to pay higher insurance rates. 

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If you have been injured in any type of accident caused by someone else’s negligence, call Montlick & Associates, Attorneys at Law for your free consultation today. Montlick & Associates, Attorneys at Law has been representing those who suffer serious injuries throughout all of Georgia and in the Southeast for over 35 years, including but not limited to Albany, Athens, Atlanta, Augusta, Columbus, Gainesville, Macon, Marietta, Rome, Roswell, Savannah, Smyrna, Valdosta, Warner Robins and all smaller cities and rural areas in the state.

No matter where you are located our attorneys are just a phone call away, and we will even come to you. Call us 24 hours day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at And use our Free Case Evaluation Form or 24-hour live chat. 

Montlick & Associates, Attorneys at Law

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Atlanta, GA 30329
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* This blog is intended to provide the public with news concerning serious automobile accidents and related stories. Although we are receiving this information from news organizations, initial reports may be different from conclusions reached by law enforcement personnel and other organizations, upon further investigation. Therefore, the accuracy of the content is not guaranteed. The information published here is based on information that has already been reported by a news organization, or other sources, and we cannot and do not assume responsibility for its accuracy. The source that we utilized at the time is provided above. If this posting pertains to you or your family and you do not wish for it to be on our website, please email us at [email protected] and we will be happy to remove it, but when doing so, please include a link to the the article that you wish to be taken down.

Category: Accident News

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