Cheapest Car Insurance Quotes in Berkeley Lake

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Berkeley Lake Car Insurance

^$ 44

/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 Berkeley Lake

The car insurance rate in Berkeley Lake is $1221 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Berkeley Lake 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 Berkeley Lake

$1221

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Berkeley Lake

1st place: Country Financial

At $445 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 $587 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 $784 for six months, making it the third cheapest auto insurance company in Berkeley Lake.

Berkeley Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Berkeley Lake, GA is Country Financial, offering policies at just $445 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $587.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1710 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Berkeley Lake drivers find the best deals.

Cheap Car Insurance Companies in Berkeley Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$445	$76
Auto-Owners Insurance Co	$587	$98
Farm Bureau	$784	$133
Georgia Farm Bureau	$863	$144
Auto-Owners	$1258	$212
USAA	$1301	$219
Progressive	$1534	$258
Mercury	$1584	$264
Allstate	$1668	$281
Esurance P&C Ins Co	$1704	$284
State Farm	$1710	$288

Key Takeaways

Way's key takeaways about car insurance in Berkeley Lake

The auto insurance costs in Berkeley Lake fall around $445 for six months.
The cheapest auto insurance company in Berkeley Lake is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Berkeley Lake at $1464 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 Berkeley Lake

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 Berkeley Lake are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Berkeley Lake. Their Average 6 Month Premium is $262. Allstate is the most expensive at $897 for the same period.

Cheapest Liability Coverage in Berkeley Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$262	$44
Farm Bureau	$332	$56
Georgia Farm Bureau	$353	$60
Auto-Owners	$424	$71
Mercury	$424	$71
Country Financial	$452	$76
USAA	$474	$80
Progressive	$524	$88
Central Insurance	$551	$92
State Farm	$813	$137
Allstate	$897	$151

Cheapest Full Coverage Car Insurance in Berkeley Lake

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 Berkeley Lake is Country Financial at $76 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Berkeley Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$445	$76
Auto-Owners Insurance Co	$587	$98
Farm Bureau	$784	$133
Georgia Farm Bureau	$863	$144
Auto-Owners	$1258	$212
USAA	$1301	$219
Progressive	$1534	$258
Mercury	$1584	$264
Allstate	$1668	$281
Esurance P&C Ins Co	$1704	$284
State Farm	$1710	$288

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Average Car Insurance in Berkeley Lake 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 Berkeley Lake, GA increasing?

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

Car Insurance Premiums by Age in Berkeley Lake

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	$845
30s	Georgia Farm Bureau	$676
40s	Georgia Farm Bureau	$649
50s	Georgia Farm Bureau	$621
60s	Georgia Farm Bureau	$616
70s	Georgia Farm Bureau	$746

Cheapest Car Insurance Rates for Teen Drivers in Berkeley Lake,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 Berkeley Lake at $62 per month. At $8694 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	$375	$62
Mercury	$445	$76
Country Financial	$531	$89
Central Insurance	$551	$94
USAA	$2092	$352
Auto-Owners	$2298	$387
Georgia Farm Bureau	$2397	$400
Farm Bureau	$2503	$426
State Farm	$6199	$1044
Allstate	$6234	$1050
Progressive	$8694	$1464

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 Berkeley Lake.

As young drivers face the highest rates in Berkeley Lake, Georgia Farm Bureau offers the cheapest auto insurance rates at $845 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 Berkeley Lake, Country Financial is the cheapest car insurance provider. At $368 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 Berkeley Lake is State Farm, offering rates of around $5337 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$368	$61
Mercury	$431	$74
Farm Bureau	$784	$131
USAA	$1704	$289
Progressive	$2630	$438
Auto-Owners	$2764	$470
Allstate	$3011	$502
State Farm	$5337	$908

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Car Insurance Rates with An Accident in Berkeley Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Berkeley Lake

The cheapest car insurance companies after an at-fault accident in Berkeley Lake include AutoOwners Insurance Co and Country Financial, offering $389 and $601, respectively. Allstate is an expensive provider with an average six-month premium of $2559.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$389	$64
Country Financial	$601	$101
Encompass	$664	$111
Central Insurance	$728	$124
Farm Bureau	$863	$144
Georgia Farm Bureau	$1060	$181
Auto-Owners	$1075	$181
USAA	$1152	$194
Progressive	$2128	$358
State Farm	$2156	$363
Allstate	$2559	$431

Berkeley Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Berkeley Lake GA. For example, the car insurance in Berkeley Lake after a DUI increases to $1287 for a six month policy. While the rate increases by $404 for a six-month policy in the case of a speeding ticket.

Berkeley Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1512	$252
One Med/PIP claim	$1512	$257
One comp claim	$1520	$253
Two Med/PIP claims	$1520	$258
Not-at-fault accident	$1527	$255
Two comp claims	$1548	$263
Driving without lights	$1824	$303
Failure to wear a seat belt	$1824	$311
Child safety restraint	$1845	$307
Failure to show documents	$1845	$314
Cell phone violation	$1887	$314
Texting while driving	$1887	$321
Driving too slowly	$1916	$319
Speeding 6 - 10 MPH over limit	$1916	$326
Speeding in school zone	$1916	$319
Speeding 11 - 15 MPH over limit	$1923	$327
Driving with expired registration	$1930	$321
Failure to yield	$1930	$328
Following too closely	$1930	$321
Illegal turn	$1930	$328
Failure to stop at a red light	$1937	$322
Improper passing	$1937	$330
Speeding 16 - 20 MPH over limit	$1937	$322
Wrong way/wrong lane	$1937	$330
Speeding 21 - 25 MPH over limit	$1958	$326
Passing school bus	$1993	$339
In 65 MPH zone	$2000	$333
Open container	$2029	$345
At-fault accident - less than $1000	$2036	$339
Operating a vehicle without permission	$2063	$351
At-fault accident - $1000-$2000	$2219	$370
At-fault accident - greater than $2000	$2234	$380
Refusal to submit to a chemical test	$2616	$436
Reckless driving	$2693	$458
Racing	$2757	$459
Driving with a suspended license	$2764	$470
DUI	$2799	$466
Leaving scene of an accident/hit and run	$2870	$488

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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 Berkeley Lake 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 Berkeley Lake.

The cheapest car insurance premiums in Berkeley Lake are offered by Mercury at $452 for a six-month policy. However, it can be as expensive as $2036 with companies like Progressive.

Berkeley Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$452	$77
Auto-Owners Insurance Co	$587	$98
Country Financial	$637	$107
Esurance P&C Ins Co	$877	$146
Auto-Owners	$1399	$236
Farm Bureau	$1520	$253
USAA	$1647	$277
Georgia Farm Bureau	$1704	$284
State Farm	$1845	$311
Allstate	$1950	$328
Progressive	$2036	$343

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 Berkeley Lake are offered by AutoOwners Insurance Co at $303. However, it can be as expensive as $2311 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Berkeley Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$303	$51
Country Financial	$332	$56
Mercury	$474	$81
Farm Bureau	$863	$144
Auto-Owners	$1053	$179
USAA	$1145	$190
State Farm	$1498	$255
Allstate	$2036	$339
Progressive	$2311	$393

Car Insurance Price Trends in Berkeley Lake, Georgia

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

The average cost of full coverage in the Berkeley Lake rose by $268 in December compared to $263 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Berkeley Lake rose to $86 in December, compared to $81 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Berkeley Lake?

The car insurance in Berkeley Lake is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Berkeley Lake?

The cheapest car insurance in Berkeley Lake is $76 per month for full coverage.

How much is car insurance in Berkeley Lake for teenagers?

Car insurance for teenagers costs $375 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 Berkeley Lake?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $205 per month to insure your car in Berkeley Lake.

Is car insurance expensive in Berkeley Lake?

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

Cheapest Car Insurance Quotes in Berkeley Lake

Why you can trust Way?

How Much Is Car Insurance in Berkeley Lake

Avg. Car Insurance in Berkeley Lake

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Berkeley Lake

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Berkeley Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Berkeley Lake, GA

Way's key takeaways about car insurance in Berkeley Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Berkeley Lake

Cheapest Liability Coverage in Berkeley Lake, GA

Cheapest Full Coverage Car Insurance in Berkeley Lake

Cheapest Full Coverage Car Insurance Quotes in Berkeley Lake, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Berkeley Lake by Rating Factor

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

Car Insurance Premiums by Age in Berkeley Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Berkeley Lake,GA

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

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 Berkeley Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Berkeley Lake

Berkeley Lake Car Insurance Rates by Violation

Berkeley Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Berkeley Lake after a DUI

Berkeley Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Berkeley Lake after Speeding ticket

Car Insurance Price Trends in Berkeley Lake, Georgia

Average Car Insurance Cost in Berkeley Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Berkeley Lake, GA

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

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