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Cartersville Car Insurance
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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.
The car insurance rate in the Cartersville is $1046, which is $40 higher than the state average. AutoOwners Insurance Co offers the cheapest insurance rates in the city at $513 for a six-month policy.
$1046
$1006
$1146
At $513 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Farm Bureau offers auto insurance rates at $685 for a six-month policy, making it one of the cheapest to insure with.
Georgia Farm Bureau offers auto insurance rates at $754 for six months, making it the third cheapest auto insurance company in Cartersville.
Based on our research, the cheapest car insurance companies in Cartersville GA include AutoOwners Insurance Co, offering $513 for a six-month policy. This is followed by Farm Bureau, with an average six-month premium of $685. State Farm is the most expensive, at $1544.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $513 | $85 |
| Farm Bureau | $685 | $116 |
| Georgia Farm Bureau | $754 | $126 |
| Country Financial | $815 | $137 |
| Auto-Owners | $1007 | $170 |
| USAA | $1057 | $178 |
| Progressive | $1297 | $218 |
| Mercury | $1390 | $236 |
| Allstate | $1402 | $236 |
| State Farm | $1544 | $260 |
Save up to $971/yr with our auto insurance quotes
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 Cartersville are given below.
Country Financial provides the cheapest minimum car insurance coverage in Cartersville. Their Average 6 Month Premium is $210. Farmers is the most expensive at $1557 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $210 | $35 |
| Auto-Owners Insurance Co | $229 | $38 |
| Farm Bureau | $290 | $49 |
| Georgia Farm Bureau | $309 | $53 |
| Auto-Owners | $340 | $57 |
| Central Insurance | $340 | $58 |
| Mercury | $370 | $62 |
| USAA | $389 | $66 |
| Progressive | $458 | $77 |
| State Farm | $723 | $122 |
| Allstate | $748 | $126 |
| Farmers | $1557 | $265 |
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 Cartersville is AutoOwners Insurance Co at $85 per month and $513 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $513 | $85 |
| Farm Bureau | $685 | $116 |
| Georgia Farm Bureau | $754 | $126 |
| Country Financial | $815 | $137 |
| Auto-Owners | $1007 | $170 |
| USAA | $1057 | $178 |
| Progressive | $1297 | $218 |
| Mercury | $1390 | $236 |
| Allstate | $1402 | $236 |
| State Farm | $1544 | $260 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Cartersville, 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, Cartersville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Georgia Farm Bureau | $738 |
| 30s | Georgia Farm Bureau | $591 |
| 40s | Georgia Farm Bureau | $567 |
| 50s | Georgia Farm Bureau | $543 |
| 60s | Georgia Farm Bureau | $539 |
| 70s | Georgia Farm Bureau | $652 |
If you are planning to get a car insurance policy for your teenage dependent, Country Financial provides the cheapest car insurance in the Cartersville at $52 per month. At $5449 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $309 | $52 |
| Auto-Owners Insurance Co | $328 | $56 |
| Mercury | $389 | $64 |
| Central Insurance | $475 | $81 |
| USAA | $1828 | $308 |
| Auto-Owners | $2008 | $338 |
| Georgia Farm Bureau | $2095 | $349 |
| Farm Bureau | $2187 | $372 |
| Progressive | $5251 | $884 |
| State Farm | $5417 | $912 |
| Allstate | $5449 | $917 |
Teen Car Insurance Rates in GA by Age
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.
For those with poor credit scores in Cartersville, Country Financial is the cheapest car insurance provider. At $321 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 Cartersville is State Farm, offering rates of around $4664 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $321 | $55 |
| Mercury | $376 | $62 |
| Farm Bureau | $685 | $116 |
| USAA | $1489 | $249 |
| Progressive | $2298 | $391 |
| Auto-Owners | $2416 | $402 |
| Allstate | $2631 | $447 |
| State Farm | $4664 | $777 |
Save up to $971/yr on car insurance rates in Cartersville.
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 Cartersville, GA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Cartersville include AutoOwners Insurance Co and Country Financial, offering $340 and $525, respectively. Allstate is an expensive provider with an average six-month premium of $2236.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $340 | $56 |
| Country Financial | $525 | $88 |
| Encompass | $587 | $98 |
| Central Insurance | $636 | $108 |
| Farm Bureau | $754 | $126 |
| Georgia Farm Bureau | $927 | $158 |
| Auto-Owners | $945 | $159 |
| USAA | $1000 | $168 |
| Progressive | $1860 | $313 |
| State Farm | $1884 | $317 |
| Allstate | $2236 | $376 |
Here is a list of driving violations that can increase your car insurance rates in Cartersville GA. For example, the car insurance in Cartersville after a DUI increases to $1124 for a six month policy. While the rate increases by $352 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1322 | $220 |
| One Med/PIP claim | $1322 | $225 |
| One comp claim | $1328 | $222 |
| Two Med/PIP claims | $1328 | $226 |
| Not-at-fault accident | $1334 | $223 |
| Two comp claims | $1353 | $230 |
| Driving without lights | $1594 | $265 |
| Failure to wear a seat belt | $1594 | $271 |
| Child safety restraint | $1612 | $268 |
| Failure to show documents | $1612 | $275 |
| Cell phone violation | $1649 | $275 |
| Texting while driving | $1649 | $281 |
| Driving too slowly | $1674 | $279 |
| Speeding 6 - 10 MPH over limit | $1674 | $285 |
| Speeding in school zone | $1674 | $279 |
| Speeding 11 - 15 MPH over limit | $1681 | $286 |
| Driving with expired registration | $1687 | $281 |
| Failure to yield | $1687 | $287 |
| Following too closely | $1687 | $281 |
| Illegal turn | $1687 | $287 |
| Failure to stop at a red light | $1693 | $282 |
| Improper passing | $1693 | $288 |
| Speeding 16 - 20 MPH over limit | $1693 | $282 |
| Wrong way/wrong lane | $1693 | $288 |
| Speeding 21 - 25 MPH over limit | $1711 | $285 |
| Passing school bus | $1742 | $296 |
| In 65 MPH zone | $1748 | $291 |
| Open container | $1773 | $302 |
| At-fault accident - less than $1000 | $1779 | $296 |
| Operating a vehicle without permission | $1803 | $307 |
| At-fault accident - $1000-$2000 | $1940 | $323 |
| At-fault accident - greater than $2000 | $1952 | $332 |
| Refusal to submit to a chemical test | $2286 | $381 |
| Reckless driving | $2354 | $400 |
| Racing | $2410 | $401 |
| Driving with a suspended license | $2416 | $411 |
| DUI | $2446 | $408 |
| Leaving scene of an accident/hit and run | $2508 | $426 |
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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.
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 Cartersville.
The cheapest car insurance premiums in Cartersville are offered by Mercury at $395 for a six-month policy. However, it can be as expensive as $1705 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $395 | $68 |
| Auto-Owners Insurance Co | $513 | $85 |
| Country Financial | $556 | $94 |
| Auto-Owners | $1236 | $208 |
| Farm Bureau | $1328 | $226 |
| Progressive | $1439 | $242 |
| USAA | $1439 | $242 |
| Georgia Farm Bureau | $1489 | $249 |
| State Farm | $1649 | $278 |
| Allstate | $1705 | $287 |
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 Cartersville are offered by AutoOwners Insurance Co at $265. However, it can be as expensive as $2020 with companies like Progressive for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $265 | $45 |
| Country Financial | $290 | $49 |
| Mercury | $414 | $71 |
| Farm Bureau | $754 | $126 |
| Auto-Owners | $920 | $156 |
| USAA | $1000 | $166 |
| State Farm | $1309 | $223 |
| Allstate | $1779 | $296 |
| Progressive | $2020 | $343 |
Car insurance rates in Cartersville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cartersville remained steady at $230 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Cartersville dipped to $71 in August, compared to $77 in July. This represents an decrease of $6 when comparing August and July.
How much is car insurance in Cartersville?
The car insurance in Cartersville is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Cartersville?
The cheapest car insurance in Cartersville is $85 per month for full coverage.
How much is car insurance in Cartersville for teenagers?
Car insurance for teenagers costs $309 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 Cartersville?
The average cost of car insurance is $1006 for a six-month policy. It will cost around $176 per month to insure your car in Cartersville.
Is car insurance expensive in Cartersville?
Car insurance can be expensive in Cartersville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cartersville can be affordable.
What is the best car insurance in Cartersville, GA?
The best car insurance company in Cartersville GA is AutoOwners Insurance Co, offering $513 for a six-month policy.
Cut auto insurance costs in Cartersville right now.