Cheapest Car Insurance Quotes in Baxley

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Baxley Car Insurance

^$ 34

/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 Baxley

The car insurance rate in Baxley is $934 for a six-month policy, which is $92 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Baxley 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 Baxley

$934

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Baxley

1st place: Country Financial

At $340 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 $449 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 $600 for six months, making it the third cheapest auto insurance company in Baxley.

Baxley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baxley, GA is Country Financial, offering policies at just $340 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $449.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1308 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baxley drivers find the best deals.

Cheap Car Insurance Companies in Baxley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$340	$58
Auto-Owners Insurance Co	$449	$75
Farm Bureau	$600	$102
Georgia Farm Bureau	$660	$110
Auto-Owners	$962	$162
USAA	$995	$167
Progressive	$1173	$197
Mercury	$1211	$202
Allstate	$1276	$215
Esurance P&C Ins Co	$1303	$217
State Farm	$1308	$220

Key Takeaways

Way's key takeaways about car insurance in Baxley

The auto insurance costs in Baxley fall around $340 for six months.
The cheapest auto insurance company in Baxley is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Baxley at $1119 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 Baxley

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 Baxley are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Baxley. Their Average 6 Month Premium is $200. Allstate is the most expensive at $686 for the same period.

Cheapest Liability Coverage in Baxley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$200	$34
Farm Bureau	$254	$43
Georgia Farm Bureau	$270	$46
Auto-Owners	$324	$55
Mercury	$324	$55
Country Financial	$346	$58
USAA	$362	$61
Progressive	$400	$67
Central Insurance	$421	$70
State Farm	$622	$105
Allstate	$686	$116

Cheapest Full Coverage Car Insurance in Baxley

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 Baxley is Country Financial at $58 per month and $340 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baxley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$340	$58
Auto-Owners Insurance Co	$449	$75
Farm Bureau	$600	$102
Georgia Farm Bureau	$660	$110
Auto-Owners	$962	$162
USAA	$995	$167
Progressive	$1173	$197
Mercury	$1211	$202
Allstate	$1276	$215
Esurance P&C Ins Co	$1303	$217
State Farm	$1308	$220

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Average Car Insurance in Baxley 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 Baxley, GA increasing?

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

Car Insurance Premiums by Age in Baxley

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	$646
30s	Georgia Farm Bureau	$517
40s	Georgia Farm Bureau	$496
50s	Georgia Farm Bureau	$475
60s	Georgia Farm Bureau	$471
70s	Georgia Farm Bureau	$571

Cheapest Car Insurance Rates for Teen Drivers in Baxley,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 Baxley at $47 per month. At $6648 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	$287	$47
Mercury	$340	$58
Country Financial	$406	$68
Central Insurance	$421	$72
USAA	$1600	$269
Auto-Owners	$1757	$296
Georgia Farm Bureau	$1833	$306
Farm Bureau	$1914	$326
State Farm	$4740	$798
Allstate	$4767	$803
Progressive	$6648	$1119

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 Baxley.

As young drivers face the highest rates in Baxley, Georgia Farm Bureau offers the cheapest auto insurance rates at $646 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 Baxley, Country Financial is the cheapest car insurance provider. At $281 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 Baxley is State Farm, offering rates of around $4081 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$281	$46
Mercury	$329	$56
Farm Bureau	$600	$100
USAA	$1303	$221
Progressive	$2011	$335
Auto-Owners	$2114	$359
Allstate	$2302	$384
State Farm	$4081	$694

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Car Insurance Rates with An Accident in Baxley

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

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

The cheapest car insurance companies after an at-fault accident in Baxley include AutoOwners Insurance Co and Country Financial, offering $298 and $460, respectively. Allstate is an expensive provider with an average six-month premium of $1957.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$298	$49
Country Financial	$460	$77
Encompass	$508	$85
Central Insurance	$557	$95
Farm Bureau	$660	$110
Georgia Farm Bureau	$811	$138
Auto-Owners	$822	$138
USAA	$881	$148
Progressive	$1627	$274
State Farm	$1649	$278
Allstate	$1957	$329

Baxley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baxley GA. For example, the car insurance in Baxley after a DUI increases to $983 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Baxley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1157	$193
One Med/PIP claim	$1157	$197
One comp claim	$1162	$194
Two Med/PIP claims	$1162	$197
Not-at-fault accident	$1168	$195
Two comp claims	$1184	$201
Driving without lights	$1395	$232
Failure to wear a seat belt	$1395	$238
Child safety restraint	$1411	$235
Failure to show documents	$1411	$240
Cell phone violation	$1443	$240
Texting while driving	$1443	$246
Driving too slowly	$1465	$244
Speeding 6 - 10 MPH over limit	$1465	$249
Speeding in school zone	$1465	$244
Speeding 11 - 15 MPH over limit	$1471	$250
Driving with expired registration	$1476	$246
Failure to yield	$1476	$251
Following too closely	$1476	$246
Illegal turn	$1476	$251
Failure to stop at a red light	$1481	$247
Improper passing	$1481	$252
Speeding 16 - 20 MPH over limit	$1481	$247
Wrong way/wrong lane	$1481	$252
Speeding 21 - 25 MPH over limit	$1497	$249
Passing school bus	$1524	$259
In 65 MPH zone	$1530	$255
Open container	$1552	$264
At-fault accident - less than $1000	$1557	$259
Operating a vehicle without permission	$1578	$268
At-fault accident - $1000-$2000	$1697	$283
At-fault accident - greater than $2000	$1708	$290
Refusal to submit to a chemical test	$2000	$333
Reckless driving	$2059	$350
Racing	$2108	$351
Driving with a suspended license	$2114	$359
DUI	$2140	$357
Leaving scene of an accident/hit and run	$2195	$373

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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 Baxley 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 Baxley.

The cheapest car insurance premiums in Baxley are offered by Mercury at $346 for a six-month policy. However, it can be as expensive as $1557 with companies like Progressive.

Baxley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$346	$59
Auto-Owners Insurance Co	$449	$75
Country Financial	$487	$82
Esurance P&C Ins Co	$671	$112
Auto-Owners	$1070	$180
Farm Bureau	$1162	$194
USAA	$1259	$212
Georgia Farm Bureau	$1303	$217
State Farm	$1411	$238
Allstate	$1491	$251
Progressive	$1557	$262

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 Baxley are offered by AutoOwners Insurance Co at $232. However, it can be as expensive as $1767 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Baxley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$232	$39
Country Financial	$254	$43
Mercury	$362	$62
Farm Bureau	$660	$110
Auto-Owners	$805	$137
USAA	$875	$146
State Farm	$1146	$195
Allstate	$1557	$259
Progressive	$1767	$300

Car Insurance Price Trends in Baxley, Georgia

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

The average cost of full coverage in the Baxley rose by $205 in December compared to $201 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 Baxley rose to $66 in December, compared to $62 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 Baxley?

The car insurance in Baxley is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Baxley?

The cheapest car insurance in Baxley is $58 per month for full coverage.

How much is car insurance in Baxley for teenagers?

Car insurance for teenagers costs $287 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 Baxley?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $157 per month to insure your car in Baxley.

Is car insurance expensive in Baxley?

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

Cheapest Car Insurance Quotes in Baxley

Why you can trust Way?

How Much Is Car Insurance in Baxley

Avg. Car Insurance in Baxley

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Baxley

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Baxley Car Insurance Rates by Company

Cheap Car Insurance Companies in Baxley, GA

Way's key takeaways about car insurance in Baxley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Baxley

Cheapest Liability Coverage in Baxley, GA

Cheapest Full Coverage Car Insurance in Baxley

Cheapest Full Coverage Car Insurance Quotes in Baxley, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Baxley by Rating Factor

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

Car Insurance Premiums by Age in Baxley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Baxley,GA

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

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 Baxley

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

Baxley Car Insurance Rates by Violation

Baxley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Baxley after a DUI

Baxley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Baxley after Speeding ticket

Car Insurance Price Trends in Baxley, Georgia

Average Car Insurance Cost in Baxley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Baxley, GA

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

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