Cheapest Car Insurance Quotes in College Park

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College Park Car Insurance

^$ 56

/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 College Park

The car insurance rate in College Park is $1549 for a six-month policy, which is $523 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $565, making it a popular choice for budget-conscious drivers. Rates in College Park 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 College Park

$1549

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in College Park

1st place: Country Financial

At $565 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 $744 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 $995 for six months, making it the third cheapest auto insurance company in College Park.

College Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in College Park, GA is Country Financial, offering policies at just $565 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $744.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2170 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help College Park drivers find the best deals.

Cheap Car Insurance Companies in College Park, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$565	$97
Auto-Owners Insurance Co	$744	$124
Farm Bureau	$995	$169
Georgia Farm Bureau	$1095	$183
Auto-Owners	$1596	$269
USAA	$1650	$278
Progressive	$1946	$328
Mercury	$2010	$335
Allstate	$2117	$356
Esurance P&C Ins Co	$2162	$361
State Farm	$2170	$365

Key Takeaways

Way's key takeaways about car insurance in College Park

The auto insurance costs in College Park fall around $565 for six months.
The cheapest auto insurance company in College Park is AutoOwners Insurance Co.
Teen drivers pay the highest rate in College Park at $1857 per month.

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

Cheapest Minimum Liability Car Insurance in College Park

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 College Park are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in College Park. Their Average 6 Month Premium is $332. Allstate is the most expensive at $1139 for the same period.

Cheapest Liability Coverage in College Park, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$332	$56
Farm Bureau	$421	$71
Georgia Farm Bureau	$448	$76
Auto-Owners	$538	$91
Mercury	$538	$91
Country Financial	$574	$97
USAA	$601	$101
Progressive	$664	$112
Central Insurance	$699	$116
State Farm	$1031	$174
Allstate	$1139	$192

Cheapest Full Coverage Car Insurance in College Park

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 College Park is Country Financial at $97 per month and $565 for six months.

Cheapest Full Coverage Car Insurance Quotes in College Park, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$565	$97
Auto-Owners Insurance Co	$744	$124
Farm Bureau	$995	$169
Georgia Farm Bureau	$1095	$183
Auto-Owners	$1596	$269
USAA	$1650	$278
Progressive	$1946	$328
Mercury	$2010	$335
Allstate	$2117	$356
Esurance P&C Ins Co	$2162	$361
State Farm	$2170	$365

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Average Car Insurance in College Park 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 College Park, GA increasing?

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

Car Insurance Premiums by Age in College Park

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	$1072
30s	Georgia Farm Bureau	$858
40s	Georgia Farm Bureau	$823
50s	Georgia Farm Bureau	$788
60s	Georgia Farm Bureau	$782
70s	Georgia Farm Bureau	$947

Cheapest Car Insurance Rates for Teen Drivers in College Park,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 College Park at $79 per month. At $11032 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	$476	$79
Mercury	$565	$97
Country Financial	$673	$113
Central Insurance	$699	$119
USAA	$2655	$447
Auto-Owners	$2916	$491
Georgia Farm Bureau	$3041	$507
Farm Bureau	$3176	$541
State Farm	$7866	$1324
Allstate	$7911	$1332
Progressive	$11032	$1857

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 College Park.

As young drivers face the highest rates in College Park, Georgia Farm Bureau offers the cheapest auto insurance rates at $1072 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 College Park, Country Financial is the cheapest car insurance provider. At $467 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 College Park is State Farm, offering rates of around $6772 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$467	$77
Mercury	$547	$94
Farm Bureau	$995	$166
USAA	$2162	$367
Progressive	$3337	$556
Auto-Owners	$3508	$596
Allstate	$3820	$637
State Farm	$6772	$1152

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Car Insurance Rates with An Accident in College Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in College Park

The cheapest car insurance companies after an at-fault accident in College Park include AutoOwners Insurance Co and Country Financial, offering $494 and $763, respectively. Allstate is an expensive provider with an average six-month premium of $3247.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$494	$82
Country Financial	$763	$128
Encompass	$843	$140
Central Insurance	$924	$157
Farm Bureau	$1095	$183
Georgia Farm Bureau	$1345	$230
Auto-Owners	$1364	$230
USAA	$1462	$246
Progressive	$2700	$455
State Farm	$2736	$461
Allstate	$3247	$547

College Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in College Park GA. For example, the car insurance in College Park after a DUI increases to $1633 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.

College Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1919	$320
One Med/PIP claim	$1919	$326
One comp claim	$1928	$322
Two Med/PIP claims	$1928	$328
Not-at-fault accident	$1937	$323
Two comp claims	$1965	$334
Driving without lights	$2315	$385
Failure to wear a seat belt	$2315	$394
Child safety restraint	$2341	$390
Failure to show documents	$2341	$399
Cell phone violation	$2395	$399
Texting while driving	$2395	$408
Driving too slowly	$2431	$405
Speeding 6 - 10 MPH over limit	$2431	$414
Speeding in school zone	$2431	$405
Speeding 11 - 15 MPH over limit	$2440	$415
Driving with expired registration	$2449	$408
Failure to yield	$2449	$417
Following too closely	$2449	$408
Illegal turn	$2449	$417
Failure to stop at a red light	$2458	$409
Improper passing	$2458	$418
Speeding 16 - 20 MPH over limit	$2458	$409
Wrong way/wrong lane	$2458	$418
Speeding 21 - 25 MPH over limit	$2484	$414
Passing school bus	$2529	$430
In 65 MPH zone	$2538	$423
Open container	$2575	$438
At-fault accident - less than $1000	$2584	$430
Operating a vehicle without permission	$2618	$445
At-fault accident - $1000-$2000	$2816	$470
At-fault accident - greater than $2000	$2834	$482
Refusal to submit to a chemical test	$3319	$553
Reckless driving	$3417	$581
Racing	$3499	$583
Driving with a suspended license	$3508	$596
DUI	$3552	$592
Leaving scene of an accident/hit and run	$3642	$619

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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 College Park 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 College Park.

The cheapest car insurance premiums in College Park are offered by Mercury at $574 for a six-month policy. However, it can be as expensive as $2584 with companies like Progressive.

College Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$574	$98
Auto-Owners Insurance Co	$744	$124
Country Financial	$808	$136
Esurance P&C Ins Co	$1113	$186
Auto-Owners	$1776	$299
Farm Bureau	$1928	$322
USAA	$2090	$352
Georgia Farm Bureau	$2162	$361
State Farm	$2341	$394
Allstate	$2475	$417
Progressive	$2584	$435

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 College Park are offered by AutoOwners Insurance Co at $385. However, it can be as expensive as $2932 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in College Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$385	$65
Country Financial	$421	$71
Mercury	$601	$103
Farm Bureau	$1095	$183
Auto-Owners	$1336	$227
USAA	$1453	$242
State Farm	$1901	$323
Allstate	$2584	$430
Progressive	$2932	$498

Car Insurance Price Trends in College Park, Georgia

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

The average cost of full coverage in the College Park rose by $340 in December compared to $334 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 College Park rose to $109 in December, compared to $103 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 College Park?

The car insurance in College Park is $56 per month, which is lower than the national average.

What is the cheapest car insurance in College Park?

The cheapest car insurance in College Park is $97 per month for full coverage.

How much is car insurance in College Park for teenagers?

Car insurance for teenagers costs $476 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 College Park?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $260 per month to insure your car in College Park.

Is car insurance expensive in College Park?

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

Cheapest Car Insurance Quotes in College Park

Why you can trust Way?

How Much Is Car Insurance in College Park

Avg. Car Insurance in College Park

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in College Park

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

College Park Car Insurance Rates by Company

Cheap Car Insurance Companies in College Park, GA

Way's key takeaways about car insurance in College Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in College Park

Cheapest Liability Coverage in College Park, GA

Cheapest Full Coverage Car Insurance in College Park

Cheapest Full Coverage Car Insurance Quotes in College Park, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in College Park by Rating Factor

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

Car Insurance Premiums by Age in College Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in College Park,GA

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

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 College Park

Cheapest Car Insurance Companies after an At-Fault Accident in College Park

College Park Car Insurance Rates by Violation

College Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in College Park after a DUI

College Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in College Park after Speeding ticket

Car Insurance Price Trends in College Park, Georgia

Average Car Insurance Cost in College Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near College Park, GA

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

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