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Finding the cheapest car insurance quotes in Ellenwood 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.
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 Ellenwood
The car insurance rate in Ellenwood is $1508 for a six-month policy, which is $482 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $550, making it a popular choice for budget-conscious drivers. Rates in Ellenwood 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.
At $550 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 $725 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 $969
for six months, making it
the third cheapest auto insurance company in Ellenwood.
Ellenwood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ellenwood, GA is Country Financial, offering policies at just $550 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $725.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2112 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellenwood drivers find the best deals.
Way's key takeaways about car insurance in Ellenwood
The auto insurance costs in Ellenwood fall around $550 for six
months.
The cheapest auto insurance company in Ellenwood is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Ellenwood at $1808 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 Ellenwood
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 Ellenwood are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Ellenwood. Their Average 6 Month Premium is $323.
Allstate is the most
expensive at $1108 for the same
period.
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 Ellenwood is Country Financial
at $94 per month and $550
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ellenwood,
GA
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Instantly!
Average Car Insurance in Ellenwood 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 Ellenwood, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ellenwood, 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, Ellenwood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ellenwood
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
$1044
30s
Georgia Farm Bureau
$835
40s
Georgia Farm Bureau
$801
50s
Georgia Farm Bureau
$767
60s
Georgia Farm Bureau
$761
70s
Georgia Farm Bureau
$922
Cheapest Car Insurance Rates for Teen Drivers in
Ellenwood,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 Ellenwood at $76
per
month. At $10740 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Ellenwood.
As young drivers face the highest rates in Ellenwood, Georgia Farm Bureau
offers the cheapest auto insurance rates at $1044 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 Ellenwood,
Country Financial is
the cheapest car insurance provider. At $454 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
Ellenwood is State Farm, offering
rates of around $6593 for six
months.
Save up to $971/yr on car insurance rates in Ellenwood.
Car Insurance Rates with An Accident in Ellenwood
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 Ellenwood, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ellenwood
The cheapest car insurance companies after an at-fault accident in
Ellenwood include AutoOwners Insurance Co
and Country Financial, offering $481
and $742,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3161.
Here is a list of driving violations that can increase your car
insurance rates in Ellenwood GA. For example, the car
insurance in Ellenwood
after a DUI increases to $1589 for a six
month policy. While the rate increases by $499 for a six-month policy in the case of
a speeding ticket.
Ellenwood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1868
$312
One Med/PIP claim
$1868
$318
One comp claim
$1877
$313
Two Med/PIP claims
$1877
$319
Not-at-fault accident
$1886
$315
Two comp claims
$1912
$325
Driving without lights
$2254
$375
Failure to wear a seat belt
$2254
$384
Child safety restraint
$2279
$379
Failure to show documents
$2279
$388
Cell phone violation
$2331
$388
Texting while driving
$2331
$397
Driving too slowly
$2367
$394
Speeding 6 - 10 MPH over limit
$2367
$403
Speeding in school zone
$2367
$394
Speeding 11 - 15 MPH over limit
$2376
$404
Driving with expired registration
$2384
$397
Failure to yield
$2384
$406
Following too closely
$2384
$397
Illegal turn
$2384
$406
Failure to stop at a red light
$2393
$398
Improper passing
$2393
$407
Speeding 16 - 20 MPH over limit
$2393
$398
Wrong way/wrong lane
$2393
$407
Speeding 21 - 25 MPH over limit
$2418
$403
Passing school bus
$2462
$419
In 65 MPH zone
$2471
$412
Open container
$2506
$426
At-fault accident - less than $1000
$2515
$419
Operating a vehicle without permission
$2549
$434
At-fault accident - $1000-$2000
$2742
$457
At-fault accident - greater than $2000
$2759
$469
Refusal to submit to a chemical test
$3231
$538
Reckless driving
$3327
$566
Racing
$3406
$567
Driving with a suspended license
$3415
$581
DUI
$3457
$576
Leaving scene of an accident/hit and run
$3546
$603
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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 Ellenwood 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 Ellenwood.
The cheapest car insurance premiums in
Ellenwood are
offered by Mercury at $559 for a six-month policy.
However, it can be as
expensive as $2515 with companies
like Progressive.
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 Ellenwood are offered by AutoOwners Insurance Co
at $375. However,
it can be as expensive as $2855
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Ellenwood after Speeding ticket
Car insurance rates in Ellenwood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ellenwood rose by
$331 in December
compared to $325 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 Ellenwood rose to $106 in December,
compared to $100 in November.
This represents an increase of $6
when comparing December and November.
Average Car Insurance Cost in Ellenwood by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Ellenwood. At $3016 for a
six-month policy, insuring
your car at 30294 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Ellenwood?
The car insurance in Ellenwood is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Ellenwood?
The cheapest car insurance in Ellenwood
is $94 per month
for full coverage.
How much is car insurance in Ellenwood for teenagers?
Car insurance for teenagers costs $463 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
Ellenwood?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $253 per month to insure your
car in Ellenwood.
Is car insurance expensive in Ellenwood?
Car insurance can be expensive in Ellenwood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ellenwood can be
affordable.
What is the best car insurance in Ellenwood,
GA?
The best car insurance company in Ellenwood
GA is
Country Financial, offering $550 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Ellenwood, GA
Car Insurance Rates by State in the USA (2025 Update)
Ellenwood Car Insurance
