Cheapest Car Insurance Quotes in East Point

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East Point Car Insurance

^$ 55

/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 $1518 for a six-month policy, which is $492 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $554, 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

$1518

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in East Point

1st place: Country Financial

At $554 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 $730 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 $975 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 $554 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $730.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2127 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	$554	$95
Auto-Owners Insurance Co	$730	$121
Farm Bureau	$975	$166
Georgia Farm Bureau	$1073	$179
Auto-Owners	$1564	$263
USAA	$1618	$272
Progressive	$1908	$321
Mercury	$1970	$329
Allstate	$2075	$349
Esurance P&C Ins Co	$2119	$354
State Farm	$2127	$358

Key Takeaways

Way's key takeaways about car insurance in East Point

The auto insurance costs in East Point fall around $554 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 $1820 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 $326. Allstate is the most expensive at $1116 for the same period.

Cheapest Liability Coverage in East Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$326	$55
Farm Bureau	$413	$70
Georgia Farm Bureau	$440	$74
Auto-Owners	$527	$89
Mercury	$527	$89
Country Financial	$562	$95
USAA	$589	$99
Progressive	$651	$110
Central Insurance	$685	$114
State Farm	$1011	$170
Allstate	$1116	$188

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 $95 per month and $554 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$554	$95
Auto-Owners Insurance Co	$730	$121
Farm Bureau	$975	$166
Georgia Farm Bureau	$1073	$179
Auto-Owners	$1564	$263
USAA	$1618	$272
Progressive	$1908	$321
Mercury	$1970	$329
Allstate	$2075	$349
Esurance P&C Ins Co	$2119	$354
State Farm	$2127	$358

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1051
30s	Georgia Farm Bureau	$841
40s	Georgia Farm Bureau	$807
50s	Georgia Farm Bureau	$773
60s	Georgia Farm Bureau	$767
70s	Georgia Farm Bureau	$928

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 $77 per month. At $10813 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	$466	$77
Mercury	$554	$95
Country Financial	$660	$111
Central Insurance	$685	$117
USAA	$2602	$438
Auto-Owners	$2858	$481
Georgia Farm Bureau	$2981	$497
Farm Bureau	$3112	$530
State Farm	$7709	$1298
Allstate	$7754	$1305
Progressive	$10813	$1820

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 East Point.

As young drivers face the highest rates in East Point, Georgia Farm Bureau offers the cheapest auto insurance rates at $1051 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 East Point, Country Financial is the cheapest car insurance provider. At $457 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 State Farm, offering rates of around $6638 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$457	$75
Mercury	$536	$92
Farm Bureau	$975	$163
USAA	$2119	$360
Progressive	$3271	$545
Auto-Owners	$3438	$585
Allstate	$3744	$625
State Farm	$6638	$1129

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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 $484 and $747, respectively. Allstate is an expensive provider with an average six-month premium of $3182.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$484	$80
Country Financial	$747	$126
Encompass	$826	$138
Central Insurance	$906	$154
Farm Bureau	$1073	$179
Georgia Farm Bureau	$1319	$225
Auto-Owners	$1336	$225
USAA	$1433	$241
Progressive	$2646	$445
State Farm	$2682	$451
Allstate	$3182	$536

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 $1600 for a six month policy. While the rate increases by $502 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	$1881	$314
One Med/PIP claim	$1881	$320
One comp claim	$1890	$315
Two Med/PIP claims	$1890	$321
Not-at-fault accident	$1899	$317
Two comp claims	$1925	$327
Driving without lights	$2269	$377
Failure to wear a seat belt	$2269	$386
Child safety restraint	$2294	$382
Failure to show documents	$2294	$391
Cell phone violation	$2347	$391
Texting while driving	$2347	$400
Driving too slowly	$2383	$397
Speeding 6 - 10 MPH over limit	$2383	$406
Speeding in school zone	$2383	$397
Speeding 11 - 15 MPH over limit	$2392	$407
Driving with expired registration	$2401	$400
Failure to yield	$2401	$408
Following too closely	$2401	$400
Illegal turn	$2401	$408
Failure to stop at a red light	$2409	$401
Improper passing	$2409	$410
Speeding 16 - 20 MPH over limit	$2409	$401
Wrong way/wrong lane	$2409	$410
Speeding 21 - 25 MPH over limit	$2435	$406
Passing school bus	$2479	$422
In 65 MPH zone	$2488	$414
Open container	$2523	$429
At-fault accident - less than $1000	$2532	$422
Operating a vehicle without permission	$2566	$437
At-fault accident - $1000-$2000	$2760	$460
At-fault accident - greater than $2000	$2778	$472
Refusal to submit to a chemical test	$3253	$542
Reckless driving	$3349	$570
Racing	$3429	$571
Driving with a suspended license	$3438	$585
DUI	$3481	$580
Leaving scene of an accident/hit and run	$3570	$607

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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 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 $562 for a six-month policy. However, it can be as expensive as $2532 with companies like Progressive.

East Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$562	$96
Auto-Owners Insurance Co	$730	$121
Country Financial	$792	$133
Esurance P&C Ins Co	$1091	$182
Auto-Owners	$1740	$293
Farm Bureau	$1890	$315
USAA	$2048	$345
Georgia Farm Bureau	$2119	$354
State Farm	$2294	$386
Allstate	$2426	$408
Progressive	$2532	$426

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 $377. However, it can be as expensive as $2874 with companies like Progressive 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	$377	$64
Country Financial	$413	$70
Mercury	$589	$101
Farm Bureau	$1073	$179
Auto-Owners	$1310	$222
USAA	$1424	$237
State Farm	$1863	$317
Allstate	$2532	$422
Progressive	$2874	$488

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 rose by $333 in December compared to $327 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 East Point rose to $107 in December, compared to $101 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 East Point?

The car insurance in East Point is $55 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 $95 per month for full coverage.

How much is car insurance in East Point for teenagers?

Car insurance for teenagers costs $466 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 $1026 for a six-month policy. It will cost around $255 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: 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 Georgia Farm Bureau 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)

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