Cheapest Car Insurance Quotes in Dudley

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Dudley 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 Dudley

The car insurance rate in Dudley is $985 for a six-month policy, which is $41 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 Dudley 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 Dudley

$985

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Dudley

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: Farm Bureau

Farm Bureau offers auto insurance rates at $633 for six months, making it the third cheapest auto insurance company in Dudley.

Dudley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dudley, 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 $1380 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dudley drivers find the best deals.

Cheap Car Insurance Companies in Dudley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$359	$61
Auto-Owners Insurance Co	$473	$79
Farm Bureau	$633	$108
Georgia Farm Bureau	$696	$116
Auto-Owners	$1015	$171
USAA	$1049	$177
Progressive	$1237	$208
Mercury	$1278	$213
Allstate	$1346	$227
Esurance P&C Ins Co	$1375	$229
State Farm	$1380	$232

Key Takeaways

Way's key takeaways about car insurance in Dudley

The auto insurance costs in Dudley fall around $359 for six months.
The cheapest auto insurance company in Dudley is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Dudley at $1181 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Dudley

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 Dudley are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Dudley. Their Average 6 Month Premium is $211. Allstate is the most expensive at $724 for the same period.

Cheapest Liability Coverage in Dudley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$211	$36
Farm Bureau	$268	$45
Georgia Farm Bureau	$285	$48
Auto-Owners	$342	$58
Mercury	$342	$58
Country Financial	$365	$61
USAA	$382	$64
Progressive	$422	$71
Central Insurance	$444	$74
State Farm	$656	$110
Allstate	$724	$122

Cheapest Full Coverage Car Insurance in Dudley

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 Dudley is Country Financial at $61 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dudley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$359	$61
Auto-Owners Insurance Co	$473	$79
Farm Bureau	$633	$108
Georgia Farm Bureau	$696	$116
Auto-Owners	$1015	$171
USAA	$1049	$177
Progressive	$1237	$208
Mercury	$1278	$213
Allstate	$1346	$227
Esurance P&C Ins Co	$1375	$229
State Farm	$1380	$232

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Average Car Insurance in Dudley 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 Dudley, GA increasing?

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

Car Insurance Premiums by Age in Dudley

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	$682
30s	Georgia Farm Bureau	$545
40s	Georgia Farm Bureau	$523
50s	Georgia Farm Bureau	$501
60s	Georgia Farm Bureau	$497
70s	Georgia Farm Bureau	$602

Cheapest Car Insurance Rates for Teen Drivers in Dudley,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 Dudley at $50 per month. At $7014 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	$302	$50
Mercury	$359	$61
Country Financial	$428	$72
Central Insurance	$444	$76
USAA	$1688	$284
Auto-Owners	$1854	$312
Georgia Farm Bureau	$1933	$323
Farm Bureau	$2019	$344
State Farm	$5001	$842
Allstate	$5029	$847
Progressive	$7014	$1181

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 Dudley.

As young drivers face the highest rates in Dudley, Georgia Farm Bureau offers the cheapest auto insurance rates at $682 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 Dudley, 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 Dudley is State Farm, offering rates of around $4306 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$297	$49
Mercury	$348	$60
Farm Bureau	$633	$106
USAA	$1375	$233
Progressive	$2122	$353
Auto-Owners	$2230	$379
Allstate	$2429	$405
State Farm	$4306	$732

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Save up to $971/yr on car insurance rates in Dudley.

Car Insurance Rates with An Accident in Dudley

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

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

The cheapest car insurance companies after an at-fault accident in Dudley include AutoOwners Insurance Co and Country Financial, offering $314 and $485, respectively. Allstate is an expensive provider with an average six-month premium of $2064.

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	$696	$116
Georgia Farm Bureau	$855	$146
Auto-Owners	$867	$146
USAA	$929	$156
Progressive	$1716	$289
State Farm	$1740	$293
Allstate	$2064	$348

Dudley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dudley GA. For example, the car insurance in Dudley 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.

Dudley 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 Dudley 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 Dudley.

The cheapest car insurance premiums in Dudley are offered by Mercury at $365 for a six-month policy. However, it can be as expensive as $1643 with companies like Progressive.

Dudley 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
Auto-Owners	$1129	$190
Farm Bureau	$1226	$204
USAA	$1329	$224
Georgia Farm Bureau	$1375	$229
State Farm	$1488	$251
Allstate	$1573	$265
Progressive	$1643	$276

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 Dudley are offered by AutoOwners Insurance Co at $245. However, it can be as expensive as $1864 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Dudley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$245	$41
Country Financial	$268	$45
Mercury	$382	$65
Farm Bureau	$696	$116
Auto-Owners	$850	$144
USAA	$924	$154
State Farm	$1209	$205
Allstate	$1643	$274
Progressive	$1864	$317

Car Insurance Price Trends in Dudley, Georgia

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

The average cost of full coverage in the Dudley rose by $216 in December compared to $212 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Dudley rose to $69 in December, compared to $65 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dudley?

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

What is the cheapest car insurance in Dudley?

The cheapest car insurance in Dudley is $61 per month for full coverage.

How much is car insurance in Dudley 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 Dudley?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $165 per month to insure your car in Dudley.

Is car insurance expensive in Dudley?

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

Cheapest Car Insurance Quotes in Dudley

Why you can trust Way?

How Much Is Car Insurance in Dudley

Avg. Car Insurance in Dudley

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Dudley

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Dudley Car Insurance Rates by Company

Cheap Car Insurance Companies in Dudley, GA

Way's key takeaways about car insurance in Dudley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dudley

Cheapest Liability Coverage in Dudley, GA

Cheapest Full Coverage Car Insurance in Dudley

Cheapest Full Coverage Car Insurance Quotes in Dudley, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dudley by Rating Factor

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

Car Insurance Premiums by Age in Dudley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dudley,GA

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

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 Dudley

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

Dudley Car Insurance Rates by Violation

Dudley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dudley after a DUI

Dudley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dudley after Speeding ticket

Car Insurance Price Trends in Dudley, Georgia

Average Car Insurance Cost in Dudley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dudley, GA

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

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