Cheapest Car Insurance Quotes in Acworth

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Acworth Car Insurance

^$ 40

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Acworth

The car insurance rate in Acworth is $1118 for a six-month policy, which is $92 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Acworth 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.

Avg. Car Insurance in Acworth

$1118

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Acworth

1st place: Country Financial

At $408 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $718 for six months, making it the third cheapest auto insurance company in Acworth.

Acworth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Acworth, GA is Country Financial, offering policies at just $408 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $537.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1566 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Acworth drivers find the best deals.

Cheap Car Insurance Companies in Acworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$408	$70
Auto-Owners Insurance Co	$537	$89
Farm Bureau	$718	$122
Georgia Farm Bureau	$790	$132
Auto-Owners	$1152	$194
USAA	$1191	$201
Progressive	$1405	$237
Mercury	$1451	$242
Allstate	$1528	$257
Esurance P&C Ins Co	$1561	$261
State Farm	$1566	$264

Key Takeaways

Way's key takeaways about car insurance in Acworth

The auto insurance costs in Acworth fall around $408 for six months.
The cheapest auto insurance company in Acworth is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Acworth at $1341 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Acworth

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 Acworth are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Acworth. Their Average 6 Month Premium is $240. Allstate is the most expensive at $822 for the same period.

Cheapest Liability Coverage in Acworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$240	$40
Farm Bureau	$304	$51
Georgia Farm Bureau	$324	$55
Auto-Owners	$388	$65
Mercury	$388	$65
Country Financial	$414	$70
USAA	$434	$73
Progressive	$480	$81
Central Insurance	$505	$84
State Farm	$744	$125
Allstate	$822	$138

Cheapest Full Coverage Car Insurance in Acworth

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 Acworth is Country Financial at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Acworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$408	$70
Auto-Owners Insurance Co	$537	$89
Farm Bureau	$718	$122
Georgia Farm Bureau	$790	$132
Auto-Owners	$1152	$194
USAA	$1191	$201
Progressive	$1405	$237
Mercury	$1451	$242
Allstate	$1528	$257
Esurance P&C Ins Co	$1561	$261
State Farm	$1566	$264

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Average Car Insurance in Acworth 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 Acworth, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Acworth, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Acworth's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Acworth

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	Georgia Farm Bureau	$774
30s	Georgia Farm Bureau	$619
40s	Georgia Farm Bureau	$594
50s	Georgia Farm Bureau	$569
60s	Georgia Farm Bureau	$565
70s	Georgia Farm Bureau	$683

Cheapest Car Insurance Rates for Teen Drivers in Acworth,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Acworth at $57 per month. At $7964 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$57
Mercury	$408	$70
Country Financial	$486	$82
Central Insurance	$505	$86
USAA	$1916	$323
Auto-Owners	$2105	$354
Georgia Farm Bureau	$2195	$366
Farm Bureau	$2292	$390
State Farm	$5678	$956
Allstate	$5711	$961
Progressive	$7964	$1341

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Acworth.

As young drivers face the highest rates in Acworth, Georgia Farm Bureau offers the cheapest auto insurance rates at $774 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 Acworth, Country Financial is the cheapest car insurance provider. At $337 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 Acworth is State Farm, offering rates of around $4889 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$337	$56
Mercury	$395	$68
Farm Bureau	$718	$120
USAA	$1561	$265
Progressive	$2409	$401
Auto-Owners	$2532	$431
Allstate	$2758	$460
State Farm	$4889	$832

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Save up to $971/yr on car insurance rates in Acworth.

Car Insurance Rates with An Accident in Acworth

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 Acworth, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Acworth

The cheapest car insurance companies after an at-fault accident in Acworth include AutoOwners Insurance Co and Country Financial, offering $356 and $550, respectively. Allstate is an expensive provider with an average six-month premium of $2344.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$59
Country Financial	$550	$93
Encompass	$608	$101
Central Insurance	$667	$113
Farm Bureau	$790	$132
Georgia Farm Bureau	$971	$166
Auto-Owners	$984	$166
USAA	$1055	$178
Progressive	$1949	$328
State Farm	$1975	$332
Allstate	$2344	$395

Acworth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Acworth GA. For example, the car insurance in Acworth after a DUI increases to $1179 for a six month policy. While the rate increases by $370 for a six-month policy in the case of a speeding ticket.

Acworth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
One Med/PIP claim	$1385	$235
One comp claim	$1392	$232
Two Med/PIP claims	$1392	$237
Not-at-fault accident	$1398	$233
Two comp claims	$1418	$241
Driving without lights	$1671	$278
Failure to wear a seat belt	$1671	$284
Child safety restraint	$1690	$281
Failure to show documents	$1690	$288
Cell phone violation	$1729	$288
Texting while driving	$1729	$294
Driving too slowly	$1755	$292
Speeding 6 - 10 MPH over limit	$1755	$299
Speeding in school zone	$1755	$292
Speeding 11 - 15 MPH over limit	$1761	$300
Driving with expired registration	$1768	$294
Failure to yield	$1768	$301
Following too closely	$1768	$294
Illegal turn	$1768	$301
Failure to stop at a red light	$1775	$295
Improper passing	$1775	$302
Speeding 16 - 20 MPH over limit	$1775	$295
Wrong way/wrong lane	$1775	$302
Speeding 21 - 25 MPH over limit	$1793	$299
Passing school bus	$1826	$311
In 65 MPH zone	$1832	$305
Open container	$1858	$316
At-fault accident - less than $1000	$1865	$311
Operating a vehicle without permission	$1890	$322
At-fault accident - $1000-$2000	$2033	$339
At-fault accident - greater than $2000	$2046	$348
Refusal to submit to a chemical test	$2396	$399
Reckless driving	$2467	$420
Racing	$2526	$421
Driving with a suspended license	$2532	$431
DUI	$2564	$427
Leaving scene of an accident/hit and run	$2629	$447

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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 Acworth 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 Acworth.

The cheapest car insurance premiums in Acworth are offered by Mercury at $414 for a six-month policy. However, it can be as expensive as $1865 with companies like Progressive.

Acworth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$414	$71
Auto-Owners Insurance Co	$537	$89
Country Financial	$583	$98
Esurance P&C Ins Co	$803	$134
Auto-Owners	$1282	$216
Farm Bureau	$1392	$232
USAA	$1509	$254
Georgia Farm Bureau	$1561	$261
State Farm	$1690	$284
Allstate	$1787	$301
Progressive	$1865	$314

Cheapest car insurance after a speeding ticket

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 Acworth are offered by AutoOwners Insurance Co at $278. However, it can be as expensive as $2117 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Acworth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$278	$47
Country Financial	$304	$51
Mercury	$434	$74
Farm Bureau	$790	$132
Auto-Owners	$965	$164
USAA	$1049	$174
State Farm	$1372	$233
Allstate	$1865	$311
Progressive	$2117	$360

Car Insurance Price Trends in Acworth, Georgia

Car insurance rates in Acworth have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Acworth rose by $245 in December compared to $241 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Acworth rose to $78 in December, compared to $74 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Acworth?

The car insurance in Acworth is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Acworth?

The cheapest car insurance in Acworth is $70 per month for full coverage.

How much is car insurance in Acworth for teenagers?

Car insurance for teenagers costs $343 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 Acworth?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $187 per month to insure your car in Acworth.

Is car insurance expensive in Acworth?

Car insurance can be expensive in Acworth if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Acworth can be affordable.

Cheapest Car Insurance Quotes in Acworth

Why you can trust Way?

How Much Is Car Insurance in Acworth

Avg. Car Insurance in Acworth

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Acworth

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Acworth Car Insurance Rates by Company

Cheap Car Insurance Companies in Acworth, GA

Way's key takeaways about car insurance in Acworth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Acworth

Cheapest Liability Coverage in Acworth, GA

Cheapest Full Coverage Car Insurance in Acworth

Cheapest Full Coverage Car Insurance Quotes in Acworth, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Acworth by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Acworth, GA increasing?

Car Insurance Premiums by Age in Acworth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Acworth,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Acworth.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Acworth

Cheapest Car Insurance Companies after an At-Fault Accident in Acworth

Acworth Car Insurance Rates by Violation

Acworth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Acworth after a DUI

Acworth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Acworth after Speeding ticket

Car Insurance Price Trends in Acworth, Georgia

Average Car Insurance Cost in Acworth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Acworth, GA

Car Insurance Rates by State in the USA (2025 Update)

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