Cheapest Car Insurance Quotes in Bowdon

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Bowdon Car Insurance

^$ 38

/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 Bowdon

The car insurance rate in Bowdon is $1047 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Bowdon 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 Bowdon

$1047

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Bowdon

1st place: Country Financial

At $381 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 $503 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 $672 for six months, making it the third cheapest auto insurance company in Bowdon.

Bowdon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bowdon, GA is Country Financial, offering policies at just $381 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $503.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1466 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bowdon drivers find the best deals.

Cheap Car Insurance Companies in Bowdon, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$381	$65
Auto-Owners Insurance Co	$503	$84
Farm Bureau	$672	$114
Georgia Farm Bureau	$740	$123
Auto-Owners	$1078	$182
USAA	$1115	$188
Progressive	$1315	$221
Mercury	$1358	$226
Allstate	$1430	$241
Esurance P&C Ins Co	$1461	$244
State Farm	$1466	$247

Key Takeaways

Way's key takeaways about car insurance in Bowdon

The auto insurance costs in Bowdon fall around $381 for six months.
The cheapest auto insurance company in Bowdon is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Bowdon at $1255 per month.

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

Cheapest Minimum Liability Car Insurance in Bowdon

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 Bowdon are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Bowdon. Their Average 6 Month Premium is $224. Allstate is the most expensive at $769 for the same period.

Cheapest Liability Coverage in Bowdon, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$224	$38
Farm Bureau	$285	$48
Georgia Farm Bureau	$303	$51
Auto-Owners	$363	$61
Mercury	$363	$61
Country Financial	$388	$65
USAA	$406	$68
Progressive	$449	$75
Central Insurance	$472	$79
State Farm	$697	$117
Allstate	$769	$130

Cheapest Full Coverage Car Insurance in Bowdon

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 Bowdon is Country Financial at $65 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bowdon, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$381	$65
Auto-Owners Insurance Co	$503	$84
Farm Bureau	$672	$114
Georgia Farm Bureau	$740	$123
Auto-Owners	$1078	$182
USAA	$1115	$188
Progressive	$1315	$221
Mercury	$1358	$226
Allstate	$1430	$241
Esurance P&C Ins Co	$1461	$244
State Farm	$1466	$247

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Average Car Insurance in Bowdon 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 Bowdon, GA increasing?

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

Car Insurance Premiums by Age in Bowdon

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	$724
30s	Georgia Farm Bureau	$579
40s	Georgia Farm Bureau	$556
50s	Georgia Farm Bureau	$532
60s	Georgia Farm Bureau	$528
70s	Georgia Farm Bureau	$640

Cheapest Car Insurance Rates for Teen Drivers in Bowdon,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 Bowdon at $53 per month. At $7452 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	$321	$53
Mercury	$381	$65
Country Financial	$455	$77
Central Insurance	$472	$81
USAA	$1793	$302
Auto-Owners	$1970	$332
Georgia Farm Bureau	$2054	$343
Farm Bureau	$2145	$365
State Farm	$5313	$895
Allstate	$5344	$900
Progressive	$7452	$1255

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 Bowdon.

As young drivers face the highest rates in Bowdon, Georgia Farm Bureau offers the cheapest auto insurance rates at $724 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 Bowdon, Country Financial is the cheapest car insurance provider. At $315 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 Bowdon is State Farm, offering rates of around $4575 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$315	$52
Mercury	$369	$63
Farm Bureau	$672	$112
USAA	$1461	$248
Progressive	$2254	$375
Auto-Owners	$2369	$403
Allstate	$2581	$430
State Farm	$4575	$778

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

Car Insurance Rates with An Accident in Bowdon

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

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

The cheapest car insurance companies after an at-fault accident in Bowdon include AutoOwners Insurance Co and Country Financial, offering $334 and $515, respectively. Allstate is an expensive provider with an average six-month premium of $2193.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$55
Country Financial	$515	$87
Encompass	$569	$95
Central Insurance	$624	$106
Farm Bureau	$740	$123
Georgia Farm Bureau	$909	$155
Auto-Owners	$921	$155
USAA	$987	$166
Progressive	$1824	$307
State Farm	$1848	$311
Allstate	$2193	$369

Bowdon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bowdon GA. For example, the car insurance in Bowdon after a DUI increases to $1103 for a six month policy. While the rate increases by $346 for a six-month policy in the case of a speeding ticket.

Bowdon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1296	$220
One comp claim	$1303	$217
Two Med/PIP claims	$1303	$221
Not-at-fault accident	$1309	$218
Two comp claims	$1327	$225
Driving without lights	$1564	$260
Failure to wear a seat belt	$1564	$266
Child safety restraint	$1581	$263
Failure to show documents	$1581	$269
Cell phone violation	$1618	$269
Texting while driving	$1618	$275
Driving too slowly	$1642	$273
Speeding 6 - 10 MPH over limit	$1642	$279
Speeding in school zone	$1642	$273
Speeding 11 - 15 MPH over limit	$1648	$281
Driving with expired registration	$1654	$275
Failure to yield	$1654	$282
Following too closely	$1654	$275
Illegal turn	$1654	$282
Failure to stop at a red light	$1661	$276
Improper passing	$1661	$283
Speeding 16 - 20 MPH over limit	$1661	$276
Wrong way/wrong lane	$1661	$283
Speeding 21 - 25 MPH over limit	$1678	$279
Passing school bus	$1709	$291
In 65 MPH zone	$1715	$286
Open container	$1739	$296
At-fault accident - less than $1000	$1745	$291
Operating a vehicle without permission	$1769	$301
At-fault accident - $1000-$2000	$1902	$317
At-fault accident - greater than $2000	$1915	$325
Refusal to submit to a chemical test	$2242	$373
Reckless driving	$2308	$393
Racing	$2363	$394
Driving with a suspended license	$2369	$403
DUI	$2399	$400
Leaving scene of an accident/hit and run	$2460	$418

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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 Bowdon 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 Bowdon.

The cheapest car insurance premiums in Bowdon are offered by Mercury at $388 for a six-month policy. However, it can be as expensive as $1745 with companies like Progressive.

Bowdon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$388	$66
Auto-Owners Insurance Co	$503	$84
Country Financial	$546	$92
Esurance P&C Ins Co	$752	$125
Auto-Owners	$1200	$202
Farm Bureau	$1303	$217
USAA	$1412	$238
Georgia Farm Bureau	$1461	$244
State Farm	$1581	$266
Allstate	$1672	$282
Progressive	$1745	$294

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 Bowdon are offered by AutoOwners Insurance Co at $260. However, it can be as expensive as $1981 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Bowdon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$260	$44
Country Financial	$285	$48
Mercury	$406	$69
Farm Bureau	$740	$123
Auto-Owners	$903	$153
USAA	$981	$163
State Farm	$1284	$218
Allstate	$1745	$291
Progressive	$1981	$337

Car Insurance Price Trends in Bowdon, Georgia

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

The average cost of full coverage in the Bowdon rose by $230 in December compared to $225 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 Bowdon rose to $73 in December, compared to $69 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 Bowdon?

The car insurance in Bowdon is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Bowdon?

The cheapest car insurance in Bowdon is $65 per month for full coverage.

How much is car insurance in Bowdon for teenagers?

Car insurance for teenagers costs $321 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 Bowdon?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $175 per month to insure your car in Bowdon.

Is car insurance expensive in Bowdon?

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

Cheapest Car Insurance Quotes in Bowdon

Why you can trust Way?

How Much Is Car Insurance in Bowdon

Avg. Car Insurance in Bowdon

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Bowdon

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Bowdon Car Insurance Rates by Company

Cheap Car Insurance Companies in Bowdon, GA

Way's key takeaways about car insurance in Bowdon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bowdon

Cheapest Liability Coverage in Bowdon, GA

Cheapest Full Coverage Car Insurance in Bowdon

Cheapest Full Coverage Car Insurance Quotes in Bowdon, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bowdon by Rating Factor

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

Car Insurance Premiums by Age in Bowdon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bowdon,GA

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

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 Bowdon

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

Bowdon Car Insurance Rates by Violation

Bowdon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bowdon after a DUI

Bowdon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bowdon after Speeding ticket

Car Insurance Price Trends in Bowdon, Georgia

Average Car Insurance Cost in Bowdon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bowdon, GA

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

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