Buy Cheap Toccoa, GA Auto Insurance in 2024
Toccoa, GA auto insurance rates average $380 a month. Minimum auto insurance requirements in Toccoa, Georgia are 25/50/25 to comply with Georgia laws. To buy cheap auto insurance in Toccoa, GA, compare Toccoa auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Toccoa, GA are $380/month
- The most expensive auto insurance company in Toccoa after a DUI is Liberty Mutual
- The most expensive auto insurance company in Toccoa is Liberty Mutual
Finding affordable Toccoa, Georgia auto insurance can be challenging, but everything you need to know to buy cheap Toccoa, GA auto insurance with confidence is right here. Auto insurance rates in Toccoa are affected by local factors as well as personal ones like your driving record.
See how Toccoa, GA car insurance rates compare to Johns Creek auto insurance rates, Columbus auto insurance rates, and Warner Robins auto insurance rates before you read more about the cost of auto insurance in Toccoa.
Don’t buy Toccoa, GA auto insurance until you’ve compared rates. Get free Toccoa, Georgia auto insurance quotes when you enter your ZIP code above.
Toccoa, GA Minimum Auto Insurance Requirements
The required auto insurance in Toccoa, GA is 25/50/25 according to the auto insurance laws in Georgia. The minimum auto insurance in Toccoa, Georgia is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Toccoa, GA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Toccoa, GA. Take a look at Toccoa, Georgia auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,883 | $4,082 | $3,641 |
| Geico | $3,515 | $2,471 | $2,399 |
| Liberty Mutual | $15,221 | $9,358 | $7,328 |
| Nationwide | $4,499 | $3,666 | $3,234 |
| Progressive | $4,081 | $3,534 | $3,280 |
| State Farm | $4,819 | $3,001 | $2,379 |
| USAA | $4,043 | $2,848 | $2,433 |
Buy Cheap Toccoa, GA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Toccoa, Georgia auto insurance rates? Find out how car insurance rates in Toccoa, GA are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,102 | $3,102 | $2,970 | $2,970 | $7,339 | $9,510 | $3,484 | $3,809 |
| Geico | $1,690 | $1,670 | $1,638 | $1,638 | $5,055 | $6,060 | $2,186 | $2,422 |
| Liberty Mutual | $5,578 | $6,066 | $4,557 | $5,171 | $24,339 | $27,172 | $5,914 | $6,286 |
| Nationwide | $2,298 | $2,376 | $2,254 | $2,474 | $6,672 | $8,587 | $2,754 | $2,983 |
| Progressive | $2,267 | $2,096 | $1,950 | $2,050 | $7,243 | $8,029 | $2,638 | $2,782 |
| State Farm | $2,221 | $2,221 | $1,993 | $1,993 | $5,921 | $7,775 | $2,437 | $2,635 |
| USAA | $1,730 | $1,728 | $1,611 | $1,616 | $6,256 | $7,392 | $2,155 | $2,380 |
Buy Cheap Toccoa, GA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Toccoa can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Toccoa, GA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,339 | $9,510 |
| Geico | $5,055 | $6,060 |
| Liberty Mutual | $24,339 | $27,172 |
| Nationwide | $6,672 | $8,587 |
| Progressive | $7,243 | $8,029 |
| State Farm | $5,921 | $7,775 |
| USAA | $6,256 | $7,392 |
Buy Cheap Toccoa, GA Auto Insurance for Seniors
You can save on senior auto insurance rates in Toccoa, Georgia by comparing Toccoa senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Toccoa, GA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,970 | $2,970 |
| Geico | $1,638 | $1,638 |
| Liberty Mutual | $4,557 | $5,171 |
| Nationwide | $2,254 | $2,474 |
| Progressive | $1,950 | $2,050 |
| State Farm | $1,993 | $1,993 |
| USAA | $1,611 | $1,616 |
Find Cheap Auto Insurance Rates in Toccoa, GA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Toccoa, Georgia auto insurance. Compare Toccoa, GA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,219 | $4,577 | $4,811 |
| Geico | $2,603 | $2,808 | $2,973 |
| Liberty Mutual | $10,196 | $10,580 | $11,130 |
| Nationwide | $3,702 | $3,857 | $3,840 |
| Progressive | $3,371 | $3,582 | $3,943 |
| State Farm | $3,185 | $3,402 | $3,612 |
| USAA | $2,955 | $3,091 | $3,279 |
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Find Cheap Toccoa, GA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Toccoa. Compare auto insurance rates in Toccoa, GA by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,437 | $4,635 |
| Geico | $2,747 | $2,843 |
| Liberty Mutual | $10,635 | $10,635 |
| Nationwide | $3,800 | $3,800 |
| Progressive | $3,632 | $3,632 |
| State Farm | $3,399 | $3,399 |
| USAA | $2,967 | $3,250 |
Find Cheap Toccoa, GA Auto Insurance Rates by Driving Record
Auto insurance rates in Toccoa, Georgia are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Toccoa, GA, take a look at the average cost for various violations versus rates for a clean driving record in Toccoa.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,744 | $5,759 | $4,700 | $3,939 |
| Geico | $1,882 | $2,359 | $4,829 | $2,110 |
| Liberty Mutual | $8,062 | $11,042 | $12,692 | $10,745 |
| Nationwide | $2,952 | $3,442 | $5,250 | $3,555 |
| Progressive | $2,848 | $5,026 | $3,339 | $3,314 |
| State Farm | $3,098 | $3,701 | $3,400 | $3,400 |
| USAA | $2,381 | $3,018 | $4,380 | $2,654 |
Find Cheap Toccoa, GA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Toccoa, Georgia is higher than for a clean driving record. You can buy auto insurance after a DUI in Toccoa for less when you shop around and compare rates from multiple Toccoa, GA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,700 |
| Geico | $4,829 |
| Liberty Mutual | $12,692 |
| Nationwide | $5,250 |
| Progressive | $3,339 |
| State Farm | $3,400 |
| USAA | $4,380 |
Winners by Category: Where to Buy Cheap Auto Insurance in Toccoa, GA
Compare rates from the cheapest auto insurance companies in Toccoa, GA for your needs. Take a look at how Toccoa, Georgia auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
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Find Cheap Toccoa, Georgia Auto Insurance Companies
If you’re looking for the cheapest Toccoa, GA auto insurance companies overall, you can compare them here. Find the best price for Toccoa, Georgia car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,536 |
| Geico | $2,795 |
| Liberty Mutual | $10,635 |
| Nationwide | $3,800 |
| Progressive | $3,632 |
| State Farm | $3,399 |
| USAA | $3,108 |
What affects Toccoa, Georgia auto insurance rates?
Local factors affect auto insurance rates in Toccoa, GA, including traffic, theft statistics, and commute length. Take a look at the things that impact Toccoa auto insurance rates.
Commute Times in Toccoa
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Toccoa, GA is 22.1 minutes according to City-Data.
Compare Auto Insurance Quotes in Toccoa, GA
You can buy cheap Toccoa, GA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Toccoa, Georgia auto insurance quotes from top companies.
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Frequently Asked Questions
Is it possible to find cheap auto insurance in Toccoa, GA in 2023?
Yes, it is possible to find affordable auto insurance in Toccoa, GA in 2023. While insurance rates can vary depending on several factors, such as your driving history, vehicle type, and coverage needs, there are strategies to help keep your premiums reasonable. By shopping around for quotes from different insurance companies, considering available discounts, and being mindful of the coverage options that best suit your needs, you can increase your chances of finding cheap auto insurance in Toccoa, GA.
What factors can influence the cost of auto insurance in Toccoa, GA?
Several factors can influence the cost of auto insurance in Toccoa, GA. These factors include:
- Driving record: Your driving history, including accidents, tickets, and violations, can impact your insurance rates. A clean driving record typically leads to lower premiums.
- Vehicle type: The make, model, and year of your vehicle can affect your insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft or damage are considered.
- Coverage limits and deductibles: The coverage limits you choose and the deductible amount can impact your insurance premiums. Higher coverage limits and lower deductibles may lead to higher premiums, while lower coverage limits and higher deductibles may result in lower premiums.
- Location: Your location in Toccoa, GA can impact insurance rates. Factors such as population density, crime rates, and accident statistics in your area are considered when determining premiums.
- Insurance history: Your insurance history, including previous claims and coverage gaps, can influence your rates. Maintaining continuous coverage and a good claims history can help keep premiums lower.
Are there any specific discounts available to help reduce auto insurance costs in Toccoa, GA?
Yes, there are several discounts available that can help reduce auto insurance costs in Toccoa, GA. While the availability of discounts can vary between insurance companies, some common ones include:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may qualify for a discount by bundling them.
- Good student discount: Full-time students with good grades can often receive a discount on their auto insurance premiums.
- Defensive driving course discount: Completing a defensive driving course can sometimes make you eligible for a discount on your auto insurance.
- Vehicle safety features discount: Vehicles equipped with safety features, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
Are there any local insurance considerations specific to Toccoa, GA, that I should be aware of?
While insurance regulations and requirements can vary by state and locality, it’s essential to be aware of any specific insurance considerations in Toccoa, GA. These may include state minimum coverage requirements, local laws, and any unique factors that could affect your insurance rates.
What steps can I take to find and buy cheap auto insurance in Toccoa, GA?
To find and buy cheap auto insurance in Toccoa, GA, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Assess your coverage needs: Determine the appropriate coverage limits and deductibles that suit your needs while keeping costs in mind.
- Maintain a good driving record: Practice safe driving habits to maintain a clean driving record, which can help keep your insurance premiums lower.
- Inquire about discounts: Ask insurance companies about available discounts and take advantage of those you qualify for.
- Consider bundling: If you have multiple insurance policies, check if bundling them with the same provider can lead to discounted rates.
- Review and update your policy: Regularly review your policy to ensure it still meets your needs and consider making adjustments if necessary.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.