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Finding the cheapest car insurance quotes in Georgetown shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Georgetown
The car insurance rate in Georgetown is $1441 for a six-month policy, which is $160 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $920, making it a popular choice for budget-conscious drivers. Rates in Georgetown can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $920 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $978 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1139
for six months, making it
the third cheapest auto insurance company in Georgetown.
Georgetown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Georgetown, FL is Travelers, offering policies at just $920 for a six-month term. This is followed by State Farm, which has an average six-month premium of $978.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $860 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Georgetown drivers find the best deals.
Way's key takeaways about car insurance in Georgetown
The auto insurance costs in Georgetown fall around $920 for six
months.
The cheapest auto insurance company in Georgetown is Patrons Insurance.
Teen drivers pay the highest rate in Georgetown at $1243 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Georgetown
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Georgetown are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Georgetown. Their Average 6 Month Premium is $113.
Metropolitan Group is the most
expensive at $342 for the same
period.
Cheapest Full Coverage Car Insurance in Georgetown
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Georgetown is Travelers
at $155 per month and $920
for six months.
Cheapest Full Coverage Car Insurance Quotes in Georgetown,
FL
Get Your Car Insurance Quote in Georgetown
Instantly!
Average Car Insurance in Georgetown by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Georgetown, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Georgetown, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Georgetown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Georgetown
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$1167
40s
Travelers
$881
50s
Travelers
$822
60s
Travelers
$810
Cheapest Car Insurance Rates for Teen Drivers in
Georgetown,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Georgetown at $81
per
month. At $7308 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Georgetown.
As young drivers face the highest rates in Georgetown, Travelers
offers the cheapest auto insurance rates at $1167 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Georgetown,
Nationwide is
the cheapest car insurance provider. At $582 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Georgetown is Allstate, offering
rates of around $4673 for six
months.
Save up to $971/yr on car insurance rates in Georgetown.
Car Insurance Rates with An Accident in Georgetown
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Georgetown, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Georgetown
The cheapest car insurance companies after an at-fault accident in
Georgetown include Nationwide
and AIG, offering $615
and $786,
respectively. National General is an expensive provider
with an average six-month premium of
$951.
Here is a list of driving violations that can increase your car
insurance rates in Georgetown FL. For example, the car
insurance in Georgetown
after a DUI increases to $844 for a six
month policy. While the rate increases by $256 for a six-month policy in the case of
a speeding ticket.
Georgetown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1642
$274
One Med/PIP claim
$1642
$279
Not-at-fault accident
$1775
$296
Two Med/PIP claims
$1823
$310
One comp claim
$1850
$309
Child safety restraint
$1855
$315
Failure to wear a seat belt
$1855
$310
Driving without lights
$1860
$316
Failure to show documents
$1860
$311
Speeding 6 - 10 MPH over limit
$1898
$323
Improper passing
$1904
$317
Passing school bus
$1904
$324
Wrong way/wrong lane
$1904
$317
Failure to stop at a red light
$1909
$325
Failure to yield
$1909
$318
Illegal turn
$1909
$325
Cell phone violation
$1914
$319
Driving with expired registration
$1914
$326
Following too closely
$1914
$319
Texting while driving
$1919
$327
Two comp claims
$1962
$327
Driving too slowly
$1973
$336
Speeding in school zone
$1973
$329
Speeding 11 - 15 MPH over limit
$1978
$337
In 65 MPH zone
$2048
$341
Speeding 16 - 20 MPH over limit
$2048
$348
Speeding 21 - 25 MPH over limit
$2058
$343
Open container
$2080
$354
Operating a vehicle without permission
$2080
$347
At-fault accident - less than $1000
$2256
$383
At-fault accident - $1000-$2000
$2293
$383
At-fault accident - greater than $2000
$2293
$390
Racing
$2480
$413
DUI
$2486
$423
Refusal to submit to a chemical test
$2486
$414
Driving with a suspended license
$2529
$430
Reckless driving
$2582
$430
Leaving scene of an accident/hit and run
$2609
$444
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Georgetown after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Georgetown.
The cheapest car insurance premiums in
Georgetown are
offered by AIG at $578 for a six-month policy.
However, it can be as
expensive as $716 with companies
like National General.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Georgetown are offered by Nationwide
at $502. However,
it can be as expensive as $2609
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Georgetown after Speeding ticket
Car insurance rates in Georgetown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Georgetown remained steady at $248 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Georgetown remained steady at $76 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Georgetown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Georgetown. At $2881 for a
six-month policy, insuring
your car at 32139 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Georgetown?
The car insurance in Georgetown is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Georgetown?
The cheapest car insurance in Georgetown
is $155 per month
for full coverage.
How much is car insurance in Georgetown for teenagers?
Car insurance for teenagers costs $487 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Georgetown?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $242 per month to insure your
car in Georgetown.
Is car insurance expensive in Georgetown?
Car insurance can be expensive in Georgetown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Georgetown can be
affordable.
What is the best car insurance in Georgetown,
FL?
The best car insurance company in Georgetown
FL is
Travelers, offering $920 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Georgetown, FL
Car Insurance Rates by State in the USA (2025 Update)
Georgetown Car Insurance
