Car insurance costs an average of $141 each month in Roswell. Paying too much? Enter your ZIP to compare rates.
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 Average (per year) | Georgia Average | U.S. Average |
| $1,697 | $1,609 | $1,548 |
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.
| 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.
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.
| 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.
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.
| 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.
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.
| 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.
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.
| Credit Level | Average Annual Rate |
| Very Poor | $2,791 |
| Fair | $2,307 |
| Good | $1,981 |
| Very Good | $1,753 |
| Exceptional | $1,521 |