Cheapest Car Insurance Quotes in Ellaville

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Ellaville Car Insurance

^$ 38

/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 Ellaville

The car insurance rate in Ellaville is $1057 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Ellaville 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 Ellaville

$1057

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Ellaville

1st place: Country Financial

At $385 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 $508 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 $679 for six months, making it the third cheapest auto insurance company in Ellaville.

Ellaville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellaville, GA is Country Financial, offering policies at just $385 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $508.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1480 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellaville drivers find the best deals.

Cheap Car Insurance Companies in Ellaville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$385	$66
Auto-Owners Insurance Co	$508	$84
Farm Bureau	$679	$115
Georgia Farm Bureau	$747	$125
Auto-Owners	$1089	$183
USAA	$1126	$190
Progressive	$1328	$224
Mercury	$1371	$229
Allstate	$1444	$243
Esurance P&C Ins Co	$1475	$246
State Farm	$1480	$249

Key Takeaways

Way's key takeaways about car insurance in Ellaville

The auto insurance costs in Ellaville fall around $385 for six months.
The cheapest auto insurance company in Ellaville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Ellaville at $1267 per month.

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Cheapest Minimum Liability Car Insurance in Ellaville

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 Ellaville are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Ellaville. Their Average 6 Month Premium is $227. Allstate is the most expensive at $777 for the same period.

Cheapest Liability Coverage in Ellaville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Farm Bureau	$287	$48
Georgia Farm Bureau	$306	$52
Auto-Owners	$367	$62
Mercury	$367	$62
Country Financial	$391	$66
USAA	$410	$69
Progressive	$453	$76
Central Insurance	$477	$79
State Farm	$703	$118
Allstate	$777	$131

Cheapest Full Coverage Car Insurance in Ellaville

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 Ellaville is Country Financial at $66 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ellaville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$385	$66
Auto-Owners Insurance Co	$508	$84
Farm Bureau	$679	$115
Georgia Farm Bureau	$747	$125
Auto-Owners	$1089	$183
USAA	$1126	$190
Progressive	$1328	$224
Mercury	$1371	$229
Allstate	$1444	$243
Esurance P&C Ins Co	$1475	$246
State Farm	$1480	$249

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Average Car Insurance in Ellaville 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 Ellaville, GA increasing?

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

Car Insurance Premiums by Age in Ellaville

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	$731
30s	Georgia Farm Bureau	$585
40s	Georgia Farm Bureau	$561
50s	Georgia Farm Bureau	$538
60s	Georgia Farm Bureau	$534
70s	Georgia Farm Bureau	$646

Cheapest Car Insurance Rates for Teen Drivers in Ellaville,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 Ellaville at $54 per month. At $7525 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	$324	$54
Mercury	$385	$66
Country Financial	$459	$77
Central Insurance	$477	$81
USAA	$1811	$305
Auto-Owners	$1989	$335
Georgia Farm Bureau	$2074	$346
Farm Bureau	$2166	$369
State Farm	$5365	$903
Allstate	$5396	$908
Progressive	$7525	$1267

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 Ellaville.

As young drivers face the highest rates in Ellaville, Georgia Farm Bureau offers the cheapest auto insurance rates at $731 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 Ellaville, Country Financial is the cheapest car insurance provider. At $318 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 Ellaville is State Farm, offering rates of around $4620 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$318	$53
Mercury	$373	$64
Farm Bureau	$679	$113
USAA	$1475	$250
Progressive	$2276	$379
Auto-Owners	$2393	$407
Allstate	$2606	$435
State Farm	$4620	$786

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Car Insurance Rates with An Accident in Ellaville

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

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

The cheapest car insurance companies after an at-fault accident in Ellaville include AutoOwners Insurance Co and Country Financial, offering $337 and $520, respectively. Allstate is an expensive provider with an average six-month premium of $2215.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$337	$56
Country Financial	$520	$88
Encompass	$575	$96
Central Insurance	$630	$107
Farm Bureau	$747	$125
Georgia Farm Bureau	$918	$157
Auto-Owners	$930	$157
USAA	$997	$168
Progressive	$1842	$310
State Farm	$1866	$314
Allstate	$2215	$373

Ellaville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellaville GA. For example, the car insurance in Ellaville after a DUI increases to $1114 for a six month policy. While the rate increases by $349 for a six-month policy in the case of a speeding ticket.

Ellaville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1309	$222
One comp claim	$1315	$219
Two Med/PIP claims	$1315	$224
Not-at-fault accident	$1321	$220
Two comp claims	$1340	$228
Driving without lights	$1579	$263
Failure to wear a seat belt	$1579	$269
Child safety restraint	$1597	$266
Failure to show documents	$1597	$272
Cell phone violation	$1634	$272
Texting while driving	$1634	$278
Driving too slowly	$1658	$276
Speeding 6 - 10 MPH over limit	$1658	$282
Speeding in school zone	$1658	$276
Speeding 11 - 15 MPH over limit	$1664	$283
Driving with expired registration	$1671	$278
Failure to yield	$1671	$284
Following too closely	$1671	$278
Illegal turn	$1671	$284
Failure to stop at a red light	$1677	$279
Improper passing	$1677	$285
Speeding 16 - 20 MPH over limit	$1677	$279
Wrong way/wrong lane	$1677	$285
Speeding 21 - 25 MPH over limit	$1694	$282
Passing school bus	$1725	$294
In 65 MPH zone	$1731	$288
Open container	$1756	$299
At-fault accident - less than $1000	$1762	$294
Operating a vehicle without permission	$1786	$304
At-fault accident - $1000-$2000	$1921	$320
At-fault accident - greater than $2000	$1933	$329
Refusal to submit to a chemical test	$2264	$377
Reckless driving	$2331	$397
Racing	$2387	$398
Driving with a suspended license	$2393	$407
DUI	$2423	$404
Leaving scene of an accident/hit and run	$2484	$422

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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 Ellaville 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 Ellaville.

The cheapest car insurance premiums in Ellaville are offered by Mercury at $391 for a six-month policy. However, it can be as expensive as $1762 with companies like Progressive.

Ellaville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$391	$67
Auto-Owners Insurance Co	$508	$84
Country Financial	$551	$93
Esurance P&C Ins Co	$759	$127
Auto-Owners	$1211	$204
Farm Bureau	$1315	$219
USAA	$1426	$240
Georgia Farm Bureau	$1475	$246
State Farm	$1597	$269
Allstate	$1688	$284
Progressive	$1762	$297

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 Ellaville are offered by AutoOwners Insurance Co at $263. However, it can be as expensive as $2000 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Ellaville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$263	$44
Country Financial	$287	$48
Mercury	$410	$70
Farm Bureau	$747	$125
Auto-Owners	$912	$155
USAA	$991	$165
State Farm	$1297	$220
Allstate	$1762	$294
Progressive	$2000	$340

Car Insurance Price Trends in Ellaville, Georgia

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

The average cost of full coverage in the Ellaville rose by $232 in December compared to $228 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 Ellaville rose to $74 in December, compared to $70 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 Ellaville?

The car insurance in Ellaville is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Ellaville?

The cheapest car insurance in Ellaville is $66 per month for full coverage.

How much is car insurance in Ellaville for teenagers?

Car insurance for teenagers costs $324 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 Ellaville?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $177 per month to insure your car in Ellaville.

Is car insurance expensive in Ellaville?

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

Cheapest Car Insurance Quotes in Ellaville

Why you can trust Way?

How Much Is Car Insurance in Ellaville

Avg. Car Insurance in Ellaville

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Ellaville

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Ellaville Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellaville, GA

Way's key takeaways about car insurance in Ellaville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellaville

Cheapest Liability Coverage in Ellaville, GA

Cheapest Full Coverage Car Insurance in Ellaville

Cheapest Full Coverage Car Insurance Quotes in Ellaville, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellaville by Rating Factor

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

Car Insurance Premiums by Age in Ellaville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellaville,GA

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

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 Ellaville

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

Ellaville Car Insurance Rates by Violation

Ellaville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellaville after a DUI

Ellaville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellaville after Speeding ticket

Car Insurance Price Trends in Ellaville, Georgia

Average Car Insurance Cost in Ellaville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellaville, GA

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

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