Cheapest Car Insurance Quotes in East Point

Finding the cheapest car insurance quotes in East Point shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

East Point 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 East Point

The car insurance rate in East Point is $1685 for a six-month policy, which is $632 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $598, making it a popular choice for budget-conscious drivers. Rates in East Point 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 East Point

$1685

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in East Point

1st place: Country Financial

At $598 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 $789 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 $1160 for six months, making it the third cheapest auto insurance company in East Point.

East Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Point, GA is Country Financial, offering policies at just $598 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $789.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2709 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Point drivers find the best deals.

Cheap Car Insurance Companies in East Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$598	$99
Auto-Owners Insurance Co	$789	$134
Georgia Farm Bureau	$1160	$194
Farm Bureau	$1274	$216
Auto-Owners	$1787	$301
USAA	$1787	$301
Progressive	$1843	$310
Mercury	$2130	$362
Allstate	$2176	$366
Esurance P&C Ins Co	$2291	$389
State Farm	$2709	$456

Key Takeaways

Way's key takeaways about car insurance in East Point

The auto insurance costs in East Point fall around $598 for six months.
The cheapest auto insurance company in East Point is AutoOwners Insurance Co.
Teen drivers pay the highest rate in East Point at $1624 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 East Point

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 East Point are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in East Point. Their Average 6 Month Premium is $352. State Farm is the most expensive at $1245 for the same period.

Cheapest Liability Coverage in East Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$59
Georgia Farm Bureau	$475	$80
Farm Bureau	$523	$90
Mercury	$570	$96
Auto-Owners	$589	$99
Country Financial	$608	$102
USAA	$656	$110
Progressive	$666	$112
Central Insurance	$741	$126
Allstate	$1074	$179
State Farm	$1245	$210

Cheapest Full Coverage Car Insurance in East Point

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 East Point is Country Financial at $99 per month and $598 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$598	$99
Auto-Owners Insurance Co	$789	$134
Georgia Farm Bureau	$1160	$194
Farm Bureau	$1274	$216
Auto-Owners	$1787	$301
USAA	$1787	$301
Progressive	$1843	$310
Mercury	$2130	$362
Allstate	$2176	$366
Esurance P&C Ins Co	$2291	$389
State Farm	$2709	$456

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in East Point Instantly!

Average Car Insurance in East Point 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 East Point, GA increasing?

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

Car Insurance Premiums by Age in East Point

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in East Point,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 East Point at $83 per month. At $9646 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	$504	$83
Mercury	$598	$102
Country Financial	$714	$120
Central Insurance	$741	$126
USAA	$2955	$498
Georgia Farm Bureau	$3222	$547
Auto-Owners	$3421	$576
Farm Bureau	$4096	$696
Allstate	$7565	$1261
Progressive	$9646	$1624
State Farm	$9646	$1624

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 East Point, Country Financial is the cheapest car insurance provider. At $494 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 East Point is Allstate, offering rates of around $4048 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$494	$82
Mercury	$579	$99
Farm Bureau	$1274	$213
Progressive	$2414	$411
USAA	$2576	$429
Auto-Owners	$4694	$798
State Farm	$10360	$1726
Allstate	$4048	$675

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in East Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Point

The cheapest car insurance companies after an at-fault accident in East Point include AutoOwners Insurance Co and Country Financial, offering $523 and $808, respectively. State Farm is an expensive provider with an average six-month premium of $3317.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$523	$86
Country Financial	$808	$136
Encompass	$893	$149
Central Insurance	$979	$166
Farm Bureau	$1397	$234
Georgia Farm Bureau	$1426	$243
Auto-Owners	$1578	$266
USAA	$1606	$270
Progressive	$2291	$386
Allstate	$3032	$515
State Farm	$3317	$558

East Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Point GA. For example, the car insurance in East Point after a DUI increases to $1729 for a six month policy. While the rate increases by $542 for a six-month policy in the case of a speeding ticket.

East Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2034	$339
One Med/PIP claim	$2034	$346
One comp claim	$2043	$341
Two Med/PIP claims	$2043	$347
Not-at-fault accident	$2053	$342
Two comp claims	$2082	$354
Driving without lights	$2453	$408
Failure to wear a seat belt	$2453	$418
Child safety restraint	$2480	$413
Failure to show documents	$2480	$422
Cell phone violation	$2538	$422
Texting while driving	$2538	$432
Driving too slowly	$2576	$429
Speeding 6 - 10 MPH over limit	$2576	$438
Speeding in school zone	$2576	$429
Speeding 11 - 15 MPH over limit	$2586	$440
Driving with expired registration	$2595	$432
Failure to yield	$2595	$442
Following too closely	$2595	$432
Illegal turn	$2595	$442
Failure to stop at a red light	$2605	$434
Improper passing	$2605	$443
Speeding 16 - 20 MPH over limit	$2605	$434
Wrong way/wrong lane	$2605	$443
Speeding 21 - 25 MPH over limit	$2632	$438
Passing school bus	$2680	$456
In 65 MPH zone	$2690	$448
Open container	$2728	$464
At-fault accident - less than $1000	$2738	$456
Operating a vehicle without permission	$2774	$472
At-fault accident - $1000-$2000	$2984	$498
At-fault accident - greater than $2000	$3003	$510
Refusal to submit to a chemical test	$3517	$586
Reckless driving	$3621	$616
Racing	$3707	$618
Driving with a suspended license	$3717	$632
DUI	$3763	$627
Leaving scene of an accident/hit and run	$3859	$656

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 East Point 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 East Point.

The cheapest car insurance premiums in East Point are offered by Mercury at $608 for a six-month policy. However, it can be as expensive as $3080 with companies like State Farm.

East Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$608	$104
Auto-Owners Insurance Co	$789	$131
Country Financial	$856	$144
Esurance P&C Ins Co	$1179	$197
Allstate	$1939	$330
Auto-Owners	$2120	$357
Georgia Farm Bureau	$2291	$389
Progressive	$2299	$387
USAA	$2338	$394
Farm Bureau	$2480	$413
State Farm	$3080	$518

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 East Point are offered by AutoOwners Insurance Co at $408. However, it can be as expensive as $2738 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$69
Country Financial	$446	$75
Mercury	$637	$106
Farm Bureau	$1397	$237
USAA	$1758	$293
Auto-Owners	$1806	$307
Progressive	$1901	$317
State Farm	$2909	$494
Allstate	$2738	$456

Car Insurance Price Trends in East Point, Georgia

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

The average cost of full coverage in the East Point dipped by $342 in January compared to $360 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the East Point dipped to $114 in January, compared to $115 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in East Point?

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

What is the cheapest car insurance in East Point?

The cheapest car insurance in East Point is $99 per month for full coverage.

How much is car insurance in East Point for teenagers?

Car insurance for teenagers costs $504 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 East Point?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $283 per month to insure your car in East Point.

Is car insurance expensive in East Point?

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

Cheapest Car Insurance Quotes in East Point

Why you can trust Way?

How Much Is Car Insurance in East Point

Avg. Car Insurance in East Point

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in East Point

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

East Point Car Insurance Rates by Company

Cheap Car Insurance Companies in East Point, GA

Way's key takeaways about car insurance in East Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Point

Cheapest Liability Coverage in East Point, GA

Cheapest Full Coverage Car Insurance in East Point

Cheapest Full Coverage Car Insurance Quotes in East Point, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Point by Rating Factor

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

Car Insurance Premiums by Age in East Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Point,GA

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

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 East Point

Cheapest Car Insurance Companies after an At-Fault Accident in East Point

East Point Car Insurance Rates by Violation

East Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Point after a DUI

East Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Point after Speeding ticket

Car Insurance Price Trends in East Point, Georgia

Average Car Insurance Cost in East Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Point, GA

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

Featured Blogs

Data Sources