Roswell, GA Car Insurance

Car insurance costs an average of $141 each month in Roswell. Paying too much? Enter your ZIP to compare rates.

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How much does car insurance cost in Roswell?


The typical Roswell driver pays $1,697 per year for car insurance. That's more than the average rate in Georgia ($1,609) and more costly than the national average of $1,548. Keep reading to discover more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Roswell.


ROSWELL CAR INSURANCE RATES
Roswell Average (per year) Georgia Average U.S. Average
$1,697 $1,609 $1,548


Table of contents:


Roswell car insurance premiums by company


One of the most important factors in determining your car insurance costs is the insurance company you work with. In Roswell, Georgia Farm Bureau offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Roswell below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


ROSWELL CAR INSURANCE PREMIUMS BY COMPANY
Insurance Company Average Yearly Rate
Georgia Farm Bureau $1,009
USAA $1,272
State Farm $1,548
GEICO $1,735
Progressive $2,124


Read our guide to finding the best cheap auto insurance.



Auto insurance premiums by age in Roswell

Roswell drivers in their 50s pay relatively affordable car insurance rates just $1,497 each year, on average. Those in their 60s don't pay significantly more ($1,550).

The Roswell drivers facing the priciest insurance rates are teenagers. When Roswell drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Roswell is $4,497, the largest such difference between any two age groups.


ROSWELL AUTO INSURANCE COSTS BY AGE
Age bracket Average Yearly Rate
Teens $6,757
20s $2,260
30s $1,697
40s $1,631
50s $1,497
60s $1,550
70s $1,925


Learn more about how age influences auto insurance rates.



Roswell car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Roswell pay $198 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can affect car insurance rates. In Roswell, female drivers pay $3 per year more than do male drivers.


ROSWELL CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Yearly Rate
Female $1,700
Male $1,697
Single $1,697
Married $1,499
Divorced $1,697
Widowed $1,596


Learn more about how gender and marital status have on car insurance rates.



Roswell auto insurance costs by citation and accident history


Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Roswell drivers found guilty of reckless driving face insurance rate increases of $915 per year, compared to the citywide average. A DUI violation is likely to cause a $1,302 increase, while a citation for speeding leads to a $441 rate hike.


ROSWELL CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation Average Yearly Rate
DUI/DWI $2,999
Reckless Driving $2,612
At-fault Accident (damages less than $1,000) $2,445
At-fault Accident (damages greater than $2,000) $2,722
Speeding Ticket (16-20 mph over speed limit) $2,138


Learn more about the impact of driving violations on car insurance rates.



Roswell car insurance rates by credit score


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Roswell, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 46% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price drop. In Roswell, moving into the "Fair" credit tier corresponds to an average of $484 in savings on insurance each year.


ROSWELL AUTO INSURANCE RATES BY CREDIT TIER
Credit Level Average Annual Rate
Very Poor $2,791
Fair $2,307
Good $1,981
Very Good $1,753
Exceptional $1,521


Curious about how your credit score might impact your auto insurance rates? Click here to find out more.



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The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.