Cheapest Car Insurance Quotes in Clarkston

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Clarkston Car Insurance

^$ 59

/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 Clarkston

The car insurance rate in Clarkston is $1631 for a six-month policy, which is $605 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $595, making it a popular choice for budget-conscious drivers. Rates in Clarkston 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 Clarkston

$1631

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Clarkston

1st place: Country Financial

At $595 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 $784 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 $1048 for six months, making it the third cheapest auto insurance company in Clarkston.

Clarkston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clarkston, GA is Country Financial, offering policies at just $595 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $784.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2285 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clarkston drivers find the best deals.

Cheap Car Insurance Companies in Clarkston, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$595	$102
Auto-Owners Insurance Co	$784	$130
Farm Bureau	$1048	$178
Georgia Farm Bureau	$1153	$192
Auto-Owners	$1681	$283
USAA	$1738	$293
Progressive	$2050	$345
Mercury	$2116	$353
Allstate	$2229	$375
Esurance P&C Ins Co	$2277	$380
State Farm	$2285	$385

Key Takeaways

Way's key takeaways about car insurance in Clarkston

The auto insurance costs in Clarkston fall around $595 for six months.
The cheapest auto insurance company in Clarkston is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Clarkston at $1956 per month.

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

Cheapest Minimum Liability Car Insurance in Clarkston

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 Clarkston are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Clarkston. Their Average 6 Month Premium is $350. Allstate is the most expensive at $1199 for the same period.

Cheapest Liability Coverage in Clarkston, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$59
Farm Bureau	$444	$75
Georgia Farm Bureau	$472	$80
Auto-Owners	$566	$95
Mercury	$566	$95
Country Financial	$604	$102
USAA	$633	$107
Progressive	$700	$118
Central Insurance	$736	$122
State Farm	$1086	$183
Allstate	$1199	$202

Cheapest Full Coverage Car Insurance in Clarkston

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 Clarkston is Country Financial at $102 per month and $595 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clarkston, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$595	$102
Auto-Owners Insurance Co	$784	$130
Farm Bureau	$1048	$178
Georgia Farm Bureau	$1153	$192
Auto-Owners	$1681	$283
USAA	$1738	$293
Progressive	$2050	$345
Mercury	$2116	$353
Allstate	$2229	$375
Esurance P&C Ins Co	$2277	$380
State Farm	$2285	$385

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Average Car Insurance in Clarkston 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 Clarkston, GA increasing?

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

Car Insurance Premiums by Age in Clarkston

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	$1129
30s	Georgia Farm Bureau	$903
40s	Georgia Farm Bureau	$867
50s	Georgia Farm Bureau	$830
60s	Georgia Farm Bureau	$824
70s	Georgia Farm Bureau	$997

Cheapest Car Insurance Rates for Teen Drivers in Clarkston,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 Clarkston at $83 per month. At $11617 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	$501	$83
Mercury	$595	$102
Country Financial	$709	$119
Central Insurance	$736	$126
USAA	$2795	$471
Auto-Owners	$3070	$517
Georgia Farm Bureau	$3202	$534
Farm Bureau	$3344	$569
State Farm	$8282	$1394
Allstate	$8330	$1402
Progressive	$11617	$1956

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 Clarkston.

As young drivers face the highest rates in Clarkston, Georgia Farm Bureau offers the cheapest auto insurance rates at $1129 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 Clarkston, Country Financial is the cheapest car insurance provider. At $491 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 Clarkston is State Farm, offering rates of around $7131 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$491	$81
Mercury	$576	$99
Farm Bureau	$1048	$175
USAA	$2277	$386
Progressive	$3514	$585
Auto-Owners	$3694	$628
Allstate	$4023	$671
State Farm	$7131	$1213

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Car Insurance Rates with An Accident in Clarkston

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

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

The cheapest car insurance companies after an at-fault accident in Clarkston include AutoOwners Insurance Co and Country Financial, offering $520 and $803, respectively. Allstate is an expensive provider with an average six-month premium of $3419.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$520	$86
Country Financial	$803	$135
Encompass	$887	$148
Central Insurance	$973	$165
Farm Bureau	$1153	$192
Georgia Farm Bureau	$1417	$242
Auto-Owners	$1436	$242
USAA	$1539	$259
Progressive	$2843	$479
State Farm	$2881	$485
Allstate	$3419	$576

Clarkston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clarkston GA. For example, the car insurance in Clarkston after a DUI increases to $1719 for a six month policy. While the rate increases by $539 for a six-month policy in the case of a speeding ticket.

Clarkston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2021	$337
One Med/PIP claim	$2021	$343
One comp claim	$2030	$339
Two Med/PIP claims	$2030	$345
Not-at-fault accident	$2040	$340
Two comp claims	$2069	$351
Driving without lights	$2437	$405
Failure to wear a seat belt	$2437	$415
Child safety restraint	$2465	$410
Failure to show documents	$2465	$420
Cell phone violation	$2522	$420
Texting while driving	$2522	$429
Driving too slowly	$2560	$426
Speeding 6 - 10 MPH over limit	$2560	$436
Speeding in school zone	$2560	$426
Speeding 11 - 15 MPH over limit	$2569	$437
Driving with expired registration	$2579	$429
Failure to yield	$2579	$439
Following too closely	$2579	$429
Illegal turn	$2579	$439
Failure to stop at a red light	$2589	$431
Improper passing	$2589	$440
Speeding 16 - 20 MPH over limit	$2589	$431
Wrong way/wrong lane	$2589	$440
Speeding 21 - 25 MPH over limit	$2616	$436
Passing school bus	$2663	$453
In 65 MPH zone	$2673	$445
Open container	$2711	$461
At-fault accident - less than $1000	$2720	$453
Operating a vehicle without permission	$2757	$469
At-fault accident - $1000-$2000	$2965	$494
At-fault accident - greater than $2000	$2984	$507
Refusal to submit to a chemical test	$3495	$582
Reckless driving	$3598	$612
Racing	$3684	$614
Driving with a suspended license	$3694	$628
DUI	$3740	$623
Leaving scene of an accident/hit and run	$3835	$652

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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 Clarkston 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 Clarkston.

The cheapest car insurance premiums in Clarkston are offered by Mercury at $604 for a six-month policy. However, it can be as expensive as $2720 with companies like Progressive.

Clarkston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$604	$103
Auto-Owners Insurance Co	$784	$130
Country Financial	$851	$143
Esurance P&C Ins Co	$1172	$196
Auto-Owners	$1870	$315
Farm Bureau	$2030	$339
USAA	$2201	$370
Georgia Farm Bureau	$2277	$380
State Farm	$2465	$415
Allstate	$2606	$439
Progressive	$2720	$458

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 Clarkston are offered by AutoOwners Insurance Co at $405. However, it can be as expensive as $3088 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Clarkston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$405	$68
Country Financial	$444	$75
Mercury	$633	$108
Farm Bureau	$1153	$192
Auto-Owners	$1407	$239
USAA	$1530	$254
State Farm	$2002	$340
Allstate	$2720	$453
Progressive	$3088	$525

Car Insurance Price Trends in Clarkston, Georgia

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

The average cost of full coverage in the Clarkston rose by $358 in December compared to $351 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Clarkston rose to $114 in December, compared to $108 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 Clarkston?

The car insurance in Clarkston is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Clarkston?

The cheapest car insurance in Clarkston is $102 per month for full coverage.

How much is car insurance in Clarkston for teenagers?

Car insurance for teenagers costs $501 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 Clarkston?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $273 per month to insure your car in Clarkston.

Is car insurance expensive in Clarkston?

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

Cheapest Car Insurance Quotes in Clarkston

Why you can trust Way?

How Much Is Car Insurance in Clarkston

Avg. Car Insurance in Clarkston

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Clarkston

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Clarkston Car Insurance Rates by Company

Cheap Car Insurance Companies in Clarkston, GA

Way's key takeaways about car insurance in Clarkston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clarkston

Cheapest Liability Coverage in Clarkston, GA

Cheapest Full Coverage Car Insurance in Clarkston

Cheapest Full Coverage Car Insurance Quotes in Clarkston, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clarkston by Rating Factor

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

Car Insurance Premiums by Age in Clarkston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clarkston,GA

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

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 Clarkston

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

Clarkston Car Insurance Rates by Violation

Clarkston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clarkston after a DUI

Clarkston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clarkston after Speeding ticket

Car Insurance Price Trends in Clarkston, Georgia

Average Car Insurance Cost in Clarkston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clarkston, GA

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

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