Buy Cheap Locust Grove, GA Auto Insurance in 2024
Locust Grove, GA auto insurance rates average $447 a month. Minimum auto insurance requirements in Locust Grove, Georgia are 25/50/25 to comply with Georgia laws. To buy cheap auto insurance in Locust Grove, GA, compare Locust Grove 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
- The most expensive auto insurance company in Locust Grove after a DUI is Liberty Mutual
- Average auto insurance rates in Locust Grove, GA are $447/month
- Average auto insurance rates in Locust Grove, GA for teens drivers are $10,563/year
Finding affordable Locust Grove, Georgia auto insurance can be challenging, but everything you need to know to buy cheap Locust Grove, GA auto insurance with confidence is right here. Auto insurance rates in Locust Grove are affected by local factors as well as personal ones like your driving record.
See how Locust Grove, GA car insurance rates compare to Atlanta auto insurance rates, Sandy Springs auto insurance rates, and Warner Robins auto insurance rates before you read more about the cost of auto insurance in Locust Grove.
Don’t buy Locust Grove, GA auto insurance until you’ve compared rates. Get free Locust Grove, Georgia auto insurance quotes when you enter your ZIP code above.
Locust Grove, GA Minimum Auto Insurance Requirements
The required auto insurance in Locust Grove, GA is 25/50/25 according to the auto insurance laws in Georgia. The minimum auto insurance in Locust Grove, 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 Locust Grove, GA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Locust Grove, GA. Take a look at Locust Grove, Georgia auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,100 | $4,248 | $3,787 |
| Geico | $5,512 | $3,410 | $3,366 |
| Liberty Mutual | $15,379 | $9,456 | $7,405 |
| Nationwide | $6,241 | $5,085 | $4,462 |
| Progressive | $6,144 | $5,346 | $4,952 |
| State Farm | $5,413 | $3,372 | $2,673 |
| USAA | $4,412 | $3,111 | $2,659 |
Buy Cheap Locust Grove, GA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Locust Grove, Georgia auto insurance rates? Find out how car insurance rates in Locust Grove, 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 | $3,228 | $3,228 | $3,095 | $3,095 | $7,644 | $9,843 | $3,615 | $3,947 |
| Geico | $2,382 | $2,362 | $2,320 | $2,320 | $7,687 | $9,180 | $3,082 | $3,435 |
| Liberty Mutual | $5,666 | $6,159 | $4,635 | $5,250 | $24,524 | $27,354 | $6,006 | $6,380 |
| Nationwide | $3,081 | $3,183 | $3,062 | $3,358 | $9,463 | $12,151 | $3,746 | $4,056 |
| Progressive | $3,409 | $3,102 | $2,935 | $3,104 | $11,068 | $12,246 | $3,916 | $4,068 |
| State Farm | $2,482 | $2,482 | $2,232 | $2,232 | $6,680 | $8,779 | $2,726 | $2,943 |
| USAA | $1,874 | $1,871 | $1,749 | $1,752 | $6,871 | $8,109 | $2,339 | $2,585 |
Buy Cheap Locust Grove, GA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Locust Grove can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Locust Grove, GA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,644 | $9,843 |
| Geico | $7,687 | $9,180 |
| Liberty Mutual | $24,524 | $27,354 |
| Nationwide | $9,463 | $12,151 |
| Progressive | $11,068 | $12,246 |
| State Farm | $6,680 | $8,779 |
| USAA | $6,871 | $8,109 |
Buy Cheap Locust Grove, GA Auto Insurance for Seniors
You can save on senior auto insurance rates in Locust Grove, Georgia by comparing Locust Grove senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Locust Grove, GA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,095 | $3,095 |
| Geico | $2,320 | $2,320 |
| Liberty Mutual | $4,635 | $5,250 |
| Nationwide | $3,062 | $3,358 |
| Progressive | $2,935 | $3,104 |
| State Farm | $2,232 | $2,232 |
| USAA | $1,749 | $1,752 |
Find Cheap Auto Insurance Rates in Locust Grove, GA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Locust Grove, Georgia auto insurance. Compare Locust Grove, GA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,365 | $4,759 | $5,012 |
| Geico | $3,734 | $4,119 | $4,435 |
| Liberty Mutual | $10,322 | $10,689 | $11,230 |
| Nationwide | $5,069 | $5,361 | $5,358 |
| Progressive | $4,943 | $5,378 | $6,122 |
| State Farm | $3,557 | $3,823 | $4,079 |
| USAA | $3,220 | $3,375 | $3,586 |
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Find Cheap Locust Grove, GA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Locust Grove. Compare auto insurance rates in Locust Grove, 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 | $4,604 | $4,820 |
| Geico | $4,031 | $4,160 |
| Liberty Mutual | $10,747 | $10,747 |
| Nationwide | $5,263 | $5,263 |
| Progressive | $5,481 | $5,481 |
| State Farm | $3,820 | $3,820 |
| USAA | $3,239 | $3,549 |
Find Cheap Locust Grove, GA Auto Insurance Rates by Driving Record
Auto insurance rates in Locust Grove, Georgia are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Locust Grove, GA, take a look at the average cost for various violations versus rates for a clean driving record in Locust Grove.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,857 | $6,018 | $4,907 | $4,066 |
| Geico | $2,637 | $3,273 | $7,358 | $3,116 |
| Liberty Mutual | $8,142 | $11,158 | $12,827 | $10,861 |
| Nationwide | $4,069 | $4,766 | $7,296 | $4,919 |
| Progressive | $4,249 | $7,642 | $5,080 | $4,954 |
| State Farm | $3,475 | $4,164 | $3,820 | $3,820 |
| USAA | $2,596 | $3,301 | $4,782 | $2,897 |
Find Cheap Locust Grove, GA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Locust Grove, Georgia is higher than for a clean driving record. You can buy auto insurance after a DUI in Locust Grove for less when you shop around and compare rates from multiple Locust Grove, GA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,907 |
| Geico | $7,358 |
| Liberty Mutual | $12,827 |
| Nationwide | $7,296 |
| Progressive | $5,080 |
| State Farm | $3,820 |
| USAA | $4,782 |
Winners by Category: Where to Buy Cheap Auto Insurance in Locust Grove, GA
Compare rates from the cheapest auto insurance companies in Locust Grove, GA for your needs. Take a look at how Locust Grove, Georgia auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Locust Grove, Georgia Auto Insurance Companies
If you’re looking for the cheapest Locust Grove, GA auto insurance companies overall, you can compare them here. Find the best price for Locust Grove, Georgia car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,712 |
| Geico | $4,096 |
| Liberty Mutual | $10,747 |
| Nationwide | $5,263 |
| Progressive | $5,481 |
| State Farm | $3,820 |
| USAA | $3,394 |
What affects Locust Grove, Georgia auto insurance rates?
Local factors affect auto insurance rates in Locust Grove, GA, including traffic, theft statistics, and commute length. Take a look at the things that impact Locust Grove auto insurance rates.
Commute Times in Locust Grove
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Locust Grove, GA is 30.7 minutes according to City-Data.
Compare Auto Insurance Quotes in Locust Grove, GA
You can buy cheap Locust Grove, GA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Locust Grove, Georgia auto insurance quotes from top companies.
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Frequently Asked Questions
What factors can affect the cost of auto insurance in Locust Grove, GA?
Several factors can influence the cost of auto insurance in Locust Grove, GA. These may include your driving history, age, gender, type of vehicle, credit score, coverage limits, deductible amounts, and the insurance company’s underwriting criteria.
How can I find cheap auto insurance in Locust Grove, GA?
To find cheap auto insurance in Locust Grove, GA, consider the following steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different companies to compare prices and coverage options.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Maintain a clean driving record: Safe driving habits and avoiding accidents or traffic violations can help keep your insurance costs down.
- Bundle policies: Some insurance companies offer discounts if you combine your auto insurance with other policies, such as homeowners or renters insurance.
- Ask about discounts: Inquire about available discounts, such as those for safe driving, multiple vehicles, anti-theft devices, or completing driver education courses.
What types of coverage should I consider when buying auto insurance in Locust Grove, GA?
When purchasing auto insurance in Locust Grove, GA, it’s important to consider the following types of coverage:
- Liability coverage: This covers injuries and property damage you may cause to others in an accident.
- Collision coverage: It pays for repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: This protects against damage to your vehicle caused by non-collision incidents such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): It covers medical expenses for you and your passengers regardless of fault.
- Uninsured/underinsured motorist coverage: This covers your damages if you’re in an accident with a driver who has insufficient or no insurance.
Are there any specific auto insurance requirements in Locust Grove, GA?
Yes, Locust Grove, GA, follows the minimum auto insurance requirements mandated by Georgia state law. These include:
- Liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
- Uninsured motorist coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident.
- Underinsured motorist coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident.
Will my credit score affect my auto insurance rates in Locust Grove, GA?
Yes, in most cases, insurance companies consider your credit score as a factor when determining your auto insurance rates in Locust Grove, GA. A lower credit score may result in higher premiums, as insurers often associate creditworthiness with the likelihood of filing a claim.
Can I cancel my auto insurance policy in Locust Grove, GA if I find a cheaper one?
Yes, you can cancel your auto insurance policy in Locust Grove, GA if you find a cheaper one. However, it’s crucial to consider the timing and any potential cancellation fees. Before switching, make sure the new policy provides adequate coverage and review the terms and conditions of your current policy to ensure a smooth transition.
How often should I review my auto insurance policy in Locust Grove, GA?
It’s a good idea to review your auto insurance policy in Locust Grove, GA at least once a year, or whenever you experience major life changes such as buying a new vehicle, moving to a different area, or significant changes in your driving habits. Regularly reviewing your policy can help ensure that you have appropriate coverage and potentially identify opportunities for cost savings.
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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.