Cheapest Car Insurance Quotes in Donalsonville

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Donalsonville Car Insurance

^$ 36

/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 Donalsonville

The car insurance rate in Donalsonville is $1011 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, making it a popular choice for budget-conscious drivers. Rates in Donalsonville 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 Donalsonville

$1011

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Donalsonville

1st place: Country Financial

At $359 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 $473 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 $696 for six months, making it the third cheapest auto insurance company in Donalsonville.

Donalsonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Donalsonville, GA is Country Financial, offering policies at just $359 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $473.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Donalsonville drivers find the best deals.

Cheap Car Insurance Companies in Donalsonville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$359	$60
Auto-Owners Insurance Co	$473	$81
Georgia Farm Bureau	$696	$116
Farm Bureau	$764	$130
Auto-Owners	$1072	$180
USAA	$1072	$180
Progressive	$1106	$186
Mercury	$1278	$217
Allstate	$1306	$220
Esurance P&C Ins Co	$1375	$233
State Farm	$1625	$274

Key Takeaways

Way's key takeaways about car insurance in Donalsonville

The auto insurance costs in Donalsonville fall around $359 for six months.
The cheapest auto insurance company in Donalsonville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Donalsonville at $974 per month.

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Cheapest Minimum Liability Car Insurance in Donalsonville

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 Donalsonville are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Donalsonville. Their Average 6 Month Premium is $211. State Farm is the most expensive at $747 for the same period.

Cheapest Liability Coverage in Donalsonville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$211	$36
Georgia Farm Bureau	$285	$48
Farm Bureau	$314	$54
Mercury	$342	$58
Auto-Owners	$353	$60
Country Financial	$365	$61
USAA	$394	$66
Progressive	$399	$67
Central Insurance	$444	$76
Allstate	$644	$108
State Farm	$747	$126

Cheapest Full Coverage Car Insurance in Donalsonville

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 Donalsonville is Country Financial at $60 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Donalsonville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$359	$60
Auto-Owners Insurance Co	$473	$81
Georgia Farm Bureau	$696	$116
Farm Bureau	$764	$130
Auto-Owners	$1072	$180
USAA	$1072	$180
Progressive	$1106	$186
Mercury	$1278	$217
Allstate	$1306	$220
Esurance P&C Ins Co	$1375	$233
State Farm	$1625	$274

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Average Car Insurance in Donalsonville 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 Donalsonville, GA increasing?

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

Car Insurance Premiums by Age in Donalsonville

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 Donalsonville,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 Donalsonville at $50 per month. At $5788 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	$302	$50
Mercury	$359	$61
Country Financial	$428	$72
Central Insurance	$444	$76
USAA	$1773	$299
Georgia Farm Bureau	$1933	$328
Auto-Owners	$2052	$346
Farm Bureau	$2458	$418
Allstate	$4539	$756
Progressive	$5788	$974
State Farm	$5788	$974

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 Donalsonville, Country Financial is the cheapest car insurance provider. At $297 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 Donalsonville is Allstate, offering rates of around $2429 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$297	$49
Mercury	$348	$60
Farm Bureau	$764	$128
Progressive	$1449	$247
USAA	$1546	$257
Auto-Owners	$2817	$479
State Farm	$6216	$1036
Allstate	$2429	$405

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Car Insurance Rates with An Accident in Donalsonville

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

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

The cheapest car insurance companies after an at-fault accident in Donalsonville include AutoOwners Insurance Co and Country Financial, offering $314 and $485, respectively. State Farm is an expensive provider with an average six-month premium of $1990.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$314	$52
Country Financial	$485	$82
Encompass	$536	$89
Central Insurance	$588	$100
Farm Bureau	$838	$140
Georgia Farm Bureau	$855	$146
Auto-Owners	$947	$159
USAA	$964	$162
Progressive	$1375	$231
Allstate	$1819	$309
State Farm	$1990	$335

Donalsonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Donalsonville GA. For example, the car insurance in Donalsonville after a DUI increases to $1038 for a six month policy. While the rate increases by $326 for a six-month policy in the case of a speeding ticket.

Donalsonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1220	$204
One Med/PIP claim	$1220	$207
One comp claim	$1226	$204
Two Med/PIP claims	$1226	$208
Not-at-fault accident	$1232	$205
Two comp claims	$1249	$212
Driving without lights	$1472	$245
Failure to wear a seat belt	$1472	$251
Child safety restraint	$1488	$248
Failure to show documents	$1488	$253
Cell phone violation	$1523	$253
Texting while driving	$1523	$259
Driving too slowly	$1546	$257
Speeding 6 - 10 MPH over limit	$1546	$263
Speeding in school zone	$1546	$257
Speeding 11 - 15 MPH over limit	$1551	$264
Driving with expired registration	$1557	$259
Failure to yield	$1557	$265
Following too closely	$1557	$259
Illegal turn	$1557	$265
Failure to stop at a red light	$1563	$260
Improper passing	$1563	$266
Speeding 16 - 20 MPH over limit	$1563	$260
Wrong way/wrong lane	$1563	$266
Speeding 21 - 25 MPH over limit	$1579	$263
Passing school bus	$1608	$274
In 65 MPH zone	$1614	$269
Open container	$1637	$278
At-fault accident - less than $1000	$1643	$274
Operating a vehicle without permission	$1665	$283
At-fault accident - $1000-$2000	$1790	$299
At-fault accident - greater than $2000	$1802	$306
Refusal to submit to a chemical test	$2110	$351
Reckless driving	$2172	$370
Racing	$2224	$371
Driving with a suspended license	$2230	$379
DUI	$2258	$376
Leaving scene of an accident/hit and run	$2316	$394

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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 Donalsonville 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 Donalsonville.

The cheapest car insurance premiums in Donalsonville are offered by Mercury at $365 for a six-month policy. However, it can be as expensive as $1848 with companies like State Farm.

Donalsonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$365	$62
Auto-Owners Insurance Co	$473	$79
Country Financial	$514	$86
Esurance P&C Ins Co	$708	$118
Allstate	$1164	$198
Auto-Owners	$1272	$214
Georgia Farm Bureau	$1375	$233
Progressive	$1380	$232
USAA	$1403	$236
Farm Bureau	$1488	$248
State Farm	$1848	$311

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 Donalsonville are offered by AutoOwners Insurance Co at $245. However, it can be as expensive as $1643 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Donalsonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$245	$41
Country Financial	$268	$45
Mercury	$382	$63
Farm Bureau	$838	$142
USAA	$1055	$176
Auto-Owners	$1084	$184
Progressive	$1140	$190
State Farm	$1745	$297
Allstate	$1643	$274

Car Insurance Price Trends in Donalsonville, Georgia

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

The average cost of full coverage in the Donalsonville dipped by $205 in January compared to $216 of December. In other words, there has been an decrease by $11 when you compare January and December.

The average cost of liability insurance in the Donalsonville dipped to $68 in January, compared to $69 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Donalsonville?

The car insurance in Donalsonville is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Donalsonville?

The cheapest car insurance in Donalsonville is $60 per month for full coverage.

How much is car insurance in Donalsonville for teenagers?

Car insurance for teenagers costs $302 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 Donalsonville?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $170 per month to insure your car in Donalsonville.

Is car insurance expensive in Donalsonville?

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

Cheapest Car Insurance Quotes in Donalsonville

Why you can trust Way?

How Much Is Car Insurance in Donalsonville

Avg. Car Insurance in Donalsonville

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Donalsonville

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Donalsonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Donalsonville, GA

Way's key takeaways about car insurance in Donalsonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Donalsonville

Cheapest Liability Coverage in Donalsonville, GA

Cheapest Full Coverage Car Insurance in Donalsonville

Cheapest Full Coverage Car Insurance Quotes in Donalsonville, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Donalsonville by Rating Factor

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

Car Insurance Premiums by Age in Donalsonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Donalsonville,GA

If you are in your twenties N/A is the best choice for car insurance in Donalsonville.

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 Donalsonville

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

Donalsonville Car Insurance Rates by Violation

Donalsonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Donalsonville after a DUI

Donalsonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Donalsonville after Speeding ticket

Car Insurance Price Trends in Donalsonville, Georgia

Average Car Insurance Cost in Donalsonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Donalsonville, GA

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

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