Cheapest Car Insurance Quotes in Candler-McAfee

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Candler-McAfee Car Insurance

^$ 58

/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 Candler-McAfee

The car insurance rate in Candler-McAfee is $1601 for a six-month policy, which is $575 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $583, making it a popular choice for budget-conscious drivers. Rates in Candler-McAfee 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 Candler-McAfee

$1601

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Candler-McAfee

1st place: Country Financial

At $583 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 $769 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 $1028 for six months, making it the third cheapest auto insurance company in Candler-McAfee.

Candler-McAfee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Candler-McAfee, GA is Country Financial, offering policies at just $583 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $769.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2242 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Candler-McAfee drivers find the best deals.

Cheap Car Insurance Companies in Candler-McAfee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$583	$100
Auto-Owners Insurance Co	$769	$128
Farm Bureau	$1028	$175
Georgia Farm Bureau	$1131	$189
Auto-Owners	$1649	$278
USAA	$1705	$287
Progressive	$2011	$339
Mercury	$2076	$346
Allstate	$2187	$368
Esurance P&C Ins Co	$2234	$373
State Farm	$2242	$378

Key Takeaways

Way's key takeaways about car insurance in Candler-McAfee

The auto insurance costs in Candler-McAfee fall around $583 for six months.
The cheapest auto insurance company in Candler-McAfee is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Candler-McAfee at $1919 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 Candler-McAfee

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 Candler-McAfee are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Candler-McAfee. Their Average 6 Month Premium is $343. Allstate is the most expensive at $1176 for the same period.

Cheapest Liability Coverage in Candler-McAfee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$58
Farm Bureau	$435	$73
Georgia Farm Bureau	$463	$78
Auto-Owners	$555	$94
Mercury	$555	$94
Country Financial	$593	$100
USAA	$621	$105
Progressive	$686	$115
Central Insurance	$722	$120
State Farm	$1065	$179
Allstate	$1176	$198

Cheapest Full Coverage Car Insurance in Candler-McAfee

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 Candler-McAfee is Country Financial at $100 per month and $583 for six months.

Cheapest Full Coverage Car Insurance Quotes in Candler-McAfee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$583	$100
Auto-Owners Insurance Co	$769	$128
Farm Bureau	$1028	$175
Georgia Farm Bureau	$1131	$189
Auto-Owners	$1649	$278
USAA	$1705	$287
Progressive	$2011	$339
Mercury	$2076	$346
Allstate	$2187	$368
Esurance P&C Ins Co	$2234	$373
State Farm	$2242	$378

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Average Car Insurance in Candler-McAfee 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 Candler-McAfee, GA increasing?

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

Car Insurance Premiums by Age in Candler-McAfee

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	$1108
30s	Georgia Farm Bureau	$886
40s	Georgia Farm Bureau	$850
50s	Georgia Farm Bureau	$814
60s	Georgia Farm Bureau	$808
70s	Georgia Farm Bureau	$978

Cheapest Car Insurance Rates for Teen Drivers in Candler-McAfee,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 Candler-McAfee at $81 per month. At $11397 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	$491	$81
Mercury	$583	$100
Country Financial	$696	$117
Central Insurance	$722	$123
USAA	$2742	$462
Auto-Owners	$3012	$507
Georgia Farm Bureau	$3142	$524
Farm Bureau	$3281	$558
State Farm	$8126	$1368
Allstate	$8173	$1376
Progressive	$11397	$1919

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 Candler-McAfee.

As young drivers face the highest rates in Candler-McAfee, Georgia Farm Bureau offers the cheapest auto insurance rates at $1108 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 Candler-McAfee, Country Financial is the cheapest car insurance provider. At $482 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 Candler-McAfee is State Farm, offering rates of around $6997 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$482	$80
Mercury	$565	$97
Farm Bureau	$1028	$172
USAA	$2234	$379
Progressive	$3448	$574
Auto-Owners	$3624	$616
Allstate	$3947	$658
State Farm	$6997	$1190

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Candler-McAfee.

Car Insurance Rates with An Accident in Candler-McAfee

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 Candler-McAfee, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Candler-McAfee

The cheapest car insurance companies after an at-fault accident in Candler-McAfee include AutoOwners Insurance Co and Country Financial, offering $510 and $788, respectively. Allstate is an expensive provider with an average six-month premium of $3354.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$510	$84
Country Financial	$788	$133
Encompass	$870	$145
Central Insurance	$955	$162
Farm Bureau	$1131	$189
Georgia Farm Bureau	$1390	$237
Auto-Owners	$1409	$237
USAA	$1510	$254
Progressive	$2789	$470
State Farm	$2827	$476
Allstate	$3354	$565

Candler-McAfee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Candler-McAfee GA. For example, the car insurance in Candler-McAfee after a DUI increases to $1686 for a six month policy. While the rate increases by $529 for a six-month policy in the case of a speeding ticket.

Candler-McAfee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1983	$331
One Med/PIP claim	$1983	$337
One comp claim	$1992	$332
Two Med/PIP claims	$1992	$339
Not-at-fault accident	$2001	$334
Two comp claims	$2030	$345
Driving without lights	$2391	$398
Failure to wear a seat belt	$2391	$407
Child safety restraint	$2418	$402
Failure to show documents	$2418	$412
Cell phone violation	$2474	$412
Texting while driving	$2474	$421
Driving too slowly	$2512	$418
Speeding 6 - 10 MPH over limit	$2512	$427
Speeding in school zone	$2512	$418
Speeding 11 - 15 MPH over limit	$2521	$429
Driving with expired registration	$2530	$421
Failure to yield	$2530	$431
Following too closely	$2530	$421
Illegal turn	$2530	$431
Failure to stop at a red light	$2540	$423
Improper passing	$2540	$432
Speeding 16 - 20 MPH over limit	$2540	$423
Wrong way/wrong lane	$2540	$432
Speeding 21 - 25 MPH over limit	$2566	$427
Passing school bus	$2613	$445
In 65 MPH zone	$2622	$437
Open container	$2660	$452
At-fault accident - less than $1000	$2669	$445
Operating a vehicle without permission	$2705	$460
At-fault accident - $1000-$2000	$2909	$485
At-fault accident - greater than $2000	$2928	$498
Refusal to submit to a chemical test	$3429	$571
Reckless driving	$3530	$601
Racing	$3615	$602
Driving with a suspended license	$3624	$616
DUI	$3669	$612
Leaving scene of an accident/hit and run	$3763	$640

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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 Candler-McAfee 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 Candler-McAfee.

The cheapest car insurance premiums in Candler-McAfee are offered by Mercury at $593 for a six-month policy. However, it can be as expensive as $2669 with companies like Progressive.

Candler-McAfee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$593	$101
Auto-Owners Insurance Co	$769	$128
Country Financial	$835	$140
Esurance P&C Ins Co	$1150	$192
Auto-Owners	$1835	$309
Farm Bureau	$1992	$332
USAA	$2159	$363
Georgia Farm Bureau	$2234	$373
State Farm	$2418	$407
Allstate	$2557	$431
Progressive	$2669	$449

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 Candler-McAfee are offered by AutoOwners Insurance Co at $398. However, it can be as expensive as $3030 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Candler-McAfee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$398	$67
Country Financial	$435	$73
Mercury	$621	$106
Farm Bureau	$1131	$189
Auto-Owners	$1381	$234
USAA	$1501	$250
State Farm	$1964	$334
Allstate	$2669	$445
Progressive	$3030	$515

Car Insurance Price Trends in Candler-McAfee, Georgia

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

The average cost of full coverage in the Candler-McAfee rose by $351 in December compared to $345 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Candler-McAfee rose to $112 in December, compared to $106 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Candler-McAfee?

The car insurance in Candler-McAfee is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Candler-McAfee?

The cheapest car insurance in Candler-McAfee is $100 per month for full coverage.

How much is car insurance in Candler-McAfee for teenagers?

Car insurance for teenagers costs $491 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 Candler-McAfee?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $268 per month to insure your car in Candler-McAfee.

Is car insurance expensive in Candler-McAfee?

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

Cheapest Car Insurance Quotes in Candler-McAfee

Why you can trust Way?

How Much Is Car Insurance in Candler-McAfee

Avg. Car Insurance in Candler-McAfee

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Candler-McAfee

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Candler-McAfee Car Insurance Rates by Company

Cheap Car Insurance Companies in Candler-McAfee, GA

Way's key takeaways about car insurance in Candler-McAfee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Candler-McAfee

Cheapest Liability Coverage in Candler-McAfee, GA

Cheapest Full Coverage Car Insurance in Candler-McAfee

Cheapest Full Coverage Car Insurance Quotes in Candler-McAfee, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Candler-McAfee by Rating Factor

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

Car Insurance Premiums by Age in Candler-McAfee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Candler-McAfee,GA

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

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 Candler-McAfee

Cheapest Car Insurance Companies after an At-Fault Accident in Candler-McAfee

Candler-McAfee Car Insurance Rates by Violation

Candler-McAfee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Candler-McAfee after a DUI

Candler-McAfee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Candler-McAfee after Speeding ticket

Car Insurance Price Trends in Candler-McAfee, Georgia

Average Car Insurance Cost in Candler-McAfee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Candler-McAfee, GA

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

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