Cheapest Car Insurance Quotes in Elberton

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Elberton Car Insurance

^$ 34

/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 Elberton

The car insurance rate in Elberton is $969 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $344, making it a popular choice for budget-conscious drivers. Rates in Elberton 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 Elberton

$969

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Elberton

1st place: Country Financial

At $344 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 $454 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 $667 for six months, making it the third cheapest auto insurance company in Elberton.

Elberton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elberton, GA is Country Financial, offering policies at just $344 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $454.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1558 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elberton drivers find the best deals.

Cheap Car Insurance Companies in Elberton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$344	$57
Auto-Owners Insurance Co	$454	$77
Georgia Farm Bureau	$667	$111
Farm Bureau	$732	$124
Auto-Owners	$1028	$173
USAA	$1028	$173
Progressive	$1060	$178
Mercury	$1225	$208
Allstate	$1251	$211
Esurance P&C Ins Co	$1317	$224
State Farm	$1558	$262

Key Takeaways

Way's key takeaways about car insurance in Elberton

The auto insurance costs in Elberton fall around $344 for six months.
The cheapest auto insurance company in Elberton is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Elberton at $934 per month.

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Cheapest Minimum Liability Car Insurance in Elberton

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 Elberton are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Elberton. Their Average 6 Month Premium is $202. State Farm is the most expensive at $716 for the same period.

Cheapest Liability Coverage in Elberton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
Georgia Farm Bureau	$273	$46
Farm Bureau	$301	$52
Mercury	$328	$55
Auto-Owners	$339	$57
Country Financial	$350	$59
USAA	$377	$63
Progressive	$383	$64
Central Insurance	$426	$73
Allstate	$617	$103
State Farm	$716	$121

Cheapest Full Coverage Car Insurance in Elberton

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 Elberton is Country Financial at $57 per month and $344 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elberton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$344	$57
Auto-Owners Insurance Co	$454	$77
Georgia Farm Bureau	$667	$111
Farm Bureau	$732	$124
Auto-Owners	$1028	$173
USAA	$1028	$173
Progressive	$1060	$178
Mercury	$1225	$208
Allstate	$1251	$211
Esurance P&C Ins Co	$1317	$224
State Farm	$1558	$262

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Average Car Insurance in Elberton 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 Elberton, GA increasing?

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

Car Insurance Premiums by Age in Elberton

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 Elberton,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 Elberton at $48 per month. At $5547 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	$290	$48
Mercury	$344	$59
Country Financial	$410	$69
Central Insurance	$426	$73
USAA	$1699	$286
Georgia Farm Bureau	$1853	$315
Auto-Owners	$1967	$331
Farm Bureau	$2355	$400
Allstate	$4350	$725
Progressive	$5547	$934
State Farm	$5547	$934

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 Elberton, Country Financial is the cheapest car insurance provider. At $284 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 Elberton is Allstate, offering rates of around $2328 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$284	$47
Mercury	$333	$57
Farm Bureau	$732	$122
Progressive	$1388	$236
USAA	$1481	$247
Auto-Owners	$2699	$459
State Farm	$5957	$993
Allstate	$2328	$388

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Car Insurance Rates with An Accident in Elberton

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

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

The cheapest car insurance companies after an at-fault accident in Elberton include AutoOwners Insurance Co and Country Financial, offering $301 and $465, respectively. State Farm is an expensive provider with an average six-month premium of $1907.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$50
Country Financial	$465	$78
Encompass	$513	$86
Central Insurance	$563	$96
Farm Bureau	$803	$134
Georgia Farm Bureau	$820	$140
Auto-Owners	$907	$153
USAA	$924	$155
Progressive	$1317	$222
Allstate	$1743	$296
State Farm	$1907	$321

Elberton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elberton GA. For example, the car insurance in Elberton after a DUI increases to $995 for a six month policy. While the rate increases by $312 for a six-month policy in the case of a speeding ticket.

Elberton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1169	$195
One Med/PIP claim	$1169	$199
One comp claim	$1175	$196
Two Med/PIP claims	$1175	$200
Not-at-fault accident	$1180	$197
Two comp claims	$1197	$203
Driving without lights	$1410	$235
Failure to wear a seat belt	$1410	$240
Child safety restraint	$1426	$237
Failure to show documents	$1426	$243
Cell phone violation	$1459	$243
Texting while driving	$1459	$248
Driving too slowly	$1481	$247
Speeding 6 - 10 MPH over limit	$1481	$252
Speeding in school zone	$1481	$247
Speeding 11 - 15 MPH over limit	$1487	$253
Driving with expired registration	$1492	$248
Failure to yield	$1492	$254
Following too closely	$1492	$248
Illegal turn	$1492	$254
Failure to stop at a red light	$1498	$249
Improper passing	$1498	$255
Speeding 16 - 20 MPH over limit	$1498	$249
Wrong way/wrong lane	$1498	$255
Speeding 21 - 25 MPH over limit	$1513	$252
Passing school bus	$1541	$262
In 65 MPH zone	$1547	$258
Open container	$1569	$267
At-fault accident - less than $1000	$1574	$262
Operating a vehicle without permission	$1595	$271
At-fault accident - $1000-$2000	$1716	$286
At-fault accident - greater than $2000	$1727	$293
Refusal to submit to a chemical test	$2022	$337
Reckless driving	$2082	$354
Racing	$2132	$355
Driving with a suspended license	$2137	$363
DUI	$2164	$361
Leaving scene of an accident/hit and run	$2219	$377

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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 Elberton 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 Elberton.

The cheapest car insurance premiums in Elberton are offered by Mercury at $350 for a six-month policy. However, it can be as expensive as $1771 with companies like State Farm.

Elberton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$350	$60
Auto-Owners Insurance Co	$454	$75
Country Financial	$492	$83
Esurance P&C Ins Co	$678	$113
Allstate	$1115	$190
Auto-Owners	$1219	$205
Georgia Farm Bureau	$1317	$224
Progressive	$1322	$223
USAA	$1344	$226
Farm Bureau	$1426	$237
State Farm	$1771	$298

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 Elberton are offered by AutoOwners Insurance Co at $235. However, it can be as expensive as $1574 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elberton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$235	$40
Country Financial	$257	$43
Mercury	$366	$61
Farm Bureau	$803	$136
USAA	$1011	$168
Auto-Owners	$1039	$177
Progressive	$1093	$182
State Farm	$1673	$284
Allstate	$1574	$262

Car Insurance Price Trends in Elberton, Georgia

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

The average cost of full coverage in the Elberton dipped by $197 in January compared to $207 of December. In other words, there has been an decrease by $10 when you compare January and December.

The average cost of liability insurance in the Elberton dipped to $65 in January, compared to $66 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 Elberton?

The car insurance in Elberton is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Elberton?

The cheapest car insurance in Elberton is $57 per month for full coverage.

How much is car insurance in Elberton for teenagers?

Car insurance for teenagers costs $290 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 Elberton?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $163 per month to insure your car in Elberton.

Is car insurance expensive in Elberton?

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

Cheapest Car Insurance Quotes in Elberton

Why you can trust Way?

How Much Is Car Insurance in Elberton

Avg. Car Insurance in Elberton

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Elberton

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Elberton Car Insurance Rates by Company

Cheap Car Insurance Companies in Elberton, GA

Way's key takeaways about car insurance in Elberton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elberton

Cheapest Liability Coverage in Elberton, GA

Cheapest Full Coverage Car Insurance in Elberton

Cheapest Full Coverage Car Insurance Quotes in Elberton, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elberton by Rating Factor

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

Car Insurance Premiums by Age in Elberton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elberton,GA

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

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 Elberton

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

Elberton Car Insurance Rates by Violation

Elberton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elberton after a DUI

Elberton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elberton after Speeding ticket

Car Insurance Price Trends in Elberton, Georgia

Average Car Insurance Cost in Elberton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elberton, GA

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

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Data Sources