Cheapest Car Insurance Quotes in Austell

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406,175 Policies Sold

Austell Car Insurance

^$ 53

/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 Austell

The car insurance rate in Austell is $1495 for a six-month policy, which is $442 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, making it a popular choice for budget-conscious drivers. Rates in Austell 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 Austell

$1495

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Austell

1st place: Country Financial

At $531 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 $700 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1030 for six months, making it the third cheapest auto insurance company in Austell.

Austell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Austell, GA is Country Financial, offering policies at just $531 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $700.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2404 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Austell drivers find the best deals.

Cheap Car Insurance Companies in Austell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$531	$88
Auto-Owners Insurance Co	$700	$119
Georgia Farm Bureau	$1030	$172
Farm Bureau	$1130	$192
Auto-Owners	$1586	$267
USAA	$1586	$267
Progressive	$1636	$275
Mercury	$1890	$321
Allstate	$1931	$325
Esurance P&C Ins Co	$2033	$345
State Farm	$2404	$405

Key Takeaways

Way's key takeaways about car insurance in Austell

The auto insurance costs in Austell fall around $531 for six months.
The cheapest auto insurance company in Austell is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Austell at $1441 per month.

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Cheapest Minimum Liability Car Insurance in Austell

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 Austell are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Austell. Their Average 6 Month Premium is $312. State Farm is the most expensive at $1105 for the same period.

Cheapest Liability Coverage in Austell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$53
Georgia Farm Bureau	$422	$71
Farm Bureau	$464	$80
Mercury	$506	$85
Auto-Owners	$523	$88
Country Financial	$540	$91
USAA	$582	$98
Progressive	$591	$99
Central Insurance	$657	$112
Allstate	$953	$159
State Farm	$1105	$186

Cheapest Full Coverage Car Insurance in Austell

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 Austell is Country Financial at $88 per month and $531 for six months.

Cheapest Full Coverage Car Insurance Quotes in Austell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$531	$88
Auto-Owners Insurance Co	$700	$119
Georgia Farm Bureau	$1030	$172
Farm Bureau	$1130	$192
Auto-Owners	$1586	$267
USAA	$1586	$267
Progressive	$1636	$275
Mercury	$1890	$321
Allstate	$1931	$325
Esurance P&C Ins Co	$2033	$345
State Farm	$2404	$405

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Average Car Insurance in Austell 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 Austell, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Austell, 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, Austell's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Austell

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

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Cheapest Car Insurance Rates for Teen Drivers in Austell,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 Austell at $74 per month. At $8561 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$74
Mercury	$531	$91
Country Financial	$633	$107
Central Insurance	$657	$112
USAA	$2623	$442
Georgia Farm Bureau	$2860	$486
Auto-Owners	$3036	$511
Farm Bureau	$3635	$618
Allstate	$6714	$1119
Progressive	$8561	$1441
State Farm	$8561	$1441

Teen Car Insurance Rates in GA by Age

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 Austell, Country Financial is the cheapest car insurance provider. At $439 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 Austell is Allstate, offering rates of around $3593 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$439	$72
Mercury	$514	$88
Farm Bureau	$1130	$189
Progressive	$2143	$365
USAA	$2286	$381
Auto-Owners	$4166	$709
State Farm	$9195	$1532
Allstate	$3593	$599

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Car Insurance Rates with An Accident in Austell

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

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

The cheapest car insurance companies after an at-fault accident in Austell include AutoOwners Insurance Co and Country Financial, offering $464 and $717, respectively. State Farm is an expensive provider with an average six-month premium of $2944.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
Country Financial	$717	$121
Encompass	$792	$132
Central Insurance	$869	$148
Farm Bureau	$1240	$207
Georgia Farm Bureau	$1265	$216
Auto-Owners	$1400	$236
USAA	$1426	$240
Progressive	$2033	$342
Allstate	$2691	$457
State Farm	$2944	$496

Austell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Austell GA. For example, the car insurance in Austell after a DUI increases to $1535 for a six month policy. While the rate increases by $481 for a six-month policy in the case of a speeding ticket.

Austell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1805	$301
One Med/PIP claim	$1805	$307
One comp claim	$1813	$302
Two Med/PIP claims	$1813	$308
Not-at-fault accident	$1822	$304
Two comp claims	$1847	$314
Driving without lights	$2177	$362
Failure to wear a seat belt	$2177	$371
Child safety restraint	$2201	$366
Failure to show documents	$2201	$375
Cell phone violation	$2252	$375
Texting while driving	$2252	$383
Driving too slowly	$2286	$381
Speeding 6 - 10 MPH over limit	$2286	$389
Speeding in school zone	$2286	$381
Speeding 11 - 15 MPH over limit	$2295	$391
Driving with expired registration	$2303	$383
Failure to yield	$2303	$392
Following too closely	$2303	$383
Illegal turn	$2303	$392
Failure to stop at a red light	$2312	$385
Improper passing	$2312	$393
Speeding 16 - 20 MPH over limit	$2312	$385
Wrong way/wrong lane	$2312	$393
Speeding 21 - 25 MPH over limit	$2336	$389
Passing school bus	$2379	$405
In 65 MPH zone	$2387	$398
Open container	$2421	$412
At-fault accident - less than $1000	$2430	$405
Operating a vehicle without permission	$2462	$419
At-fault accident - $1000-$2000	$2648	$442
At-fault accident - greater than $2000	$2665	$453
Refusal to submit to a chemical test	$3121	$520
Reckless driving	$3213	$547
Racing	$3290	$548
Driving with a suspended license	$3299	$561
DUI	$3340	$557
Leaving scene of an accident/hit and run	$3425	$582

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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 Austell 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 Austell.

The cheapest car insurance premiums in Austell are offered by Mercury at $540 for a six-month policy. However, it can be as expensive as $2734 with companies like State Farm.

Austell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$540	$92
Auto-Owners Insurance Co	$700	$116
Country Financial	$760	$128
Esurance P&C Ins Co	$1047	$175
Allstate	$1721	$293
Auto-Owners	$1882	$317
Georgia Farm Bureau	$2033	$345
Progressive	$2041	$344
USAA	$2075	$349
Farm Bureau	$2201	$366
State Farm	$2734	$460

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 Austell are offered by AutoOwners Insurance Co at $362. However, it can be as expensive as $2430 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Austell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$362	$61
Country Financial	$396	$67
Mercury	$565	$94
Farm Bureau	$1240	$210
USAA	$1561	$260
Auto-Owners	$1603	$273
Progressive	$1687	$281
State Farm	$2582	$439
Allstate	$2430	$405

Car Insurance Price Trends in Austell, Georgia

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

The average cost of full coverage in the Austell dipped by $304 in January compared to $320 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Austell dipped to $101 in January, compared to $102 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Austell?

The car insurance in Austell is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Austell?

The cheapest car insurance in Austell is $88 per month for full coverage.

How much is car insurance in Austell for teenagers?

Car insurance for teenagers costs $447 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 Austell?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $251 per month to insure your car in Austell.

Is car insurance expensive in Austell?

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

Cheapest Car Insurance Quotes in Austell

Why you can trust Way?

How Much Is Car Insurance in Austell

Avg. Car Insurance in Austell

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Austell

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Austell Car Insurance Rates by Company

Cheap Car Insurance Companies in Austell, GA

Way's key takeaways about car insurance in Austell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Austell

Cheapest Liability Coverage in Austell, GA

Cheapest Full Coverage Car Insurance in Austell

Cheapest Full Coverage Car Insurance Quotes in Austell, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Austell by Rating Factor

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

Car Insurance Premiums by Age in Austell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Austell,GA

If you are in your twenties N/A is the best choice for car insurance in Austell.

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 Austell

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

Austell Car Insurance Rates by Violation

Austell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Austell after a DUI

Austell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Austell after Speeding ticket

Car Insurance Price Trends in Austell, Georgia

Average Car Insurance Cost in Austell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Austell, GA

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

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