Cheapest Car Insurance Quotes in Candler-McAfee

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Candler-McAfee Car Insurance

^$ 60

/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 $1706 for a six-month policy, which is $653 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $606, 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

$1706

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Candler-McAfee

1st place: Country Financial

At $606 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 $799 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 $1175 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 $606 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $799.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2743 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	$606	$100
Auto-Owners Insurance Co	$799	$136
Georgia Farm Bureau	$1175	$196
Farm Bureau	$1290	$219
Auto-Owners	$1810	$305
USAA	$1810	$305
Progressive	$1866	$314
Mercury	$2156	$366
Allstate	$2203	$371
Esurance P&C Ins Co	$2320	$394
State Farm	$2743	$462

Key Takeaways

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

The auto insurance costs in Candler-McAfee fall around $606 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 $1644 per month.

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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 $356. State Farm is the most expensive at $1260 for the same period.

Cheapest Liability Coverage in Candler-McAfee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$60
Georgia Farm Bureau	$481	$81
Farm Bureau	$530	$91
Mercury	$577	$97
Auto-Owners	$596	$100
Country Financial	$616	$104
USAA	$664	$112
Progressive	$674	$113
Central Insurance	$750	$128
Allstate	$1087	$181
State Farm	$1260	$212

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 $606 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$606	$100
Auto-Owners Insurance Co	$799	$136
Georgia Farm Bureau	$1175	$196
Farm Bureau	$1290	$219
Auto-Owners	$1810	$305
USAA	$1810	$305
Progressive	$1866	$314
Mercury	$2156	$366
Allstate	$2203	$371
Esurance P&C Ins Co	$2320	$394
State Farm	$2743	$462

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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

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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 $84 per month. At $9767 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	$510	$84
Mercury	$606	$104
Country Financial	$723	$122
Central Insurance	$750	$128
USAA	$2992	$504
Georgia Farm Bureau	$3263	$554
Auto-Owners	$3464	$583
Farm Bureau	$4147	$705
Allstate	$7659	$1277
Progressive	$9767	$1644
State Farm	$9767	$1644

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 Candler-McAfee, Country Financial is the cheapest car insurance provider. At $501 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 Allstate, offering rates of around $4099 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$501	$83
Mercury	$586	$100
Farm Bureau	$1290	$215
Progressive	$2445	$416
USAA	$2608	$434
Auto-Owners	$4753	$808
State Farm	$10490	$1748
Allstate	$4099	$684

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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 $530 and $818, respectively. State Farm is an expensive provider with an average six-month premium of $3358.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$530	$87
Country Financial	$818	$138
Encompass	$904	$151
Central Insurance	$991	$168
Farm Bureau	$1414	$237
Georgia Farm Bureau	$1443	$246
Auto-Owners	$1597	$269
USAA	$1626	$274
Progressive	$2320	$390
Allstate	$3070	$522
State Farm	$3358	$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 $1751 for a six month policy. While the rate increases by $549 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	$2059	$343
One Med/PIP claim	$2059	$350
One comp claim	$2069	$345
Two Med/PIP claims	$2069	$352
Not-at-fault accident	$2078	$347
Two comp claims	$2108	$358
Driving without lights	$2483	$413
Failure to wear a seat belt	$2483	$423
Child safety restraint	$2511	$418
Failure to show documents	$2511	$428
Cell phone violation	$2569	$428
Texting while driving	$2569	$437
Driving too slowly	$2608	$434
Speeding 6 - 10 MPH over limit	$2608	$444
Speeding in school zone	$2608	$434
Speeding 11 - 15 MPH over limit	$2618	$446
Driving with expired registration	$2628	$437
Failure to yield	$2628	$447
Following too closely	$2628	$437
Illegal turn	$2628	$447
Failure to stop at a red light	$2637	$439
Improper passing	$2637	$449
Speeding 16 - 20 MPH over limit	$2637	$439
Wrong way/wrong lane	$2637	$449
Speeding 21 - 25 MPH over limit	$2665	$444
Passing school bus	$2714	$462
In 65 MPH zone	$2723	$454
Open container	$2762	$470
At-fault accident - less than $1000	$2772	$462
Operating a vehicle without permission	$2809	$478
At-fault accident - $1000-$2000	$3021	$504
At-fault accident - greater than $2000	$3041	$517
Refusal to submit to a chemical test	$3561	$593
Reckless driving	$3666	$624
Racing	$3754	$625
Driving with a suspended license	$3763	$640
DUI	$3810	$635
Leaving scene of an accident/hit and run	$3907	$664

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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 $616 for a six-month policy. However, it can be as expensive as $3119 with companies like State Farm.

Candler-McAfee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$616	$105
Auto-Owners Insurance Co	$799	$133
Country Financial	$867	$146
Esurance P&C Ins Co	$1194	$199
Allstate	$1963	$334
Auto-Owners	$2147	$361
Georgia Farm Bureau	$2320	$394
Progressive	$2328	$392
USAA	$2367	$399
Farm Bureau	$2511	$418
State Farm	$3119	$525

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 $413. However, it can be as expensive as $2772 with companies like Allstate 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	$413	$70
Country Financial	$452	$76
Mercury	$645	$107
Farm Bureau	$1414	$240
USAA	$1780	$296
Auto-Owners	$1829	$311
Progressive	$1925	$321
State Farm	$2945	$501
Allstate	$2772	$462

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 dipped by $347 in January compared to $365 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the Candler-McAfee dipped to $115 in January, compared to $117 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Candler-McAfee?

The car insurance in Candler-McAfee is $60 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 $510 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 $1053 for a six-month policy. It will cost around $287 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: Georgia 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 N/A 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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