Cheapest Car Insurance Quotes in Fair Oaks

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Fair Oaks Car Insurance

^$ 47

/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 Fair Oaks

The car insurance rate in Fair Oaks is $1293 for a six-month policy, which is $267 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Fair Oaks 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 Fair Oaks

$1293

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Fair Oaks

1st place: Country Financial

At $471 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 $621 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 $830 for six months, making it the third cheapest auto insurance company in Fair Oaks.

Fair Oaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fair Oaks, GA is Country Financial, offering policies at just $471 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $621.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1811 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fair Oaks drivers find the best deals.

Cheap Car Insurance Companies in Fair Oaks, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$471	$81
Auto-Owners Insurance Co	$621	$103
Farm Bureau	$830	$141
Georgia Farm Bureau	$914	$152
Auto-Owners	$1332	$224
USAA	$1377	$232
Progressive	$1624	$273
Mercury	$1677	$280
Allstate	$1767	$297
Esurance P&C Ins Co	$1804	$301
State Farm	$1811	$305

Key Takeaways

Way's key takeaways about car insurance in Fair Oaks

The auto insurance costs in Fair Oaks fall around $471 for six months.
The cheapest auto insurance company in Fair Oaks is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Fair Oaks at $1550 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fair Oaks

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 Fair Oaks are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Fair Oaks. Their Average 6 Month Premium is $277. Allstate is the most expensive at $950 for the same period.

Cheapest Liability Coverage in Fair Oaks, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$277	$47
Farm Bureau	$352	$59
Georgia Farm Bureau	$374	$63
Auto-Owners	$449	$76
Mercury	$449	$76
Country Financial	$479	$81
USAA	$501	$84
Progressive	$554	$93
Central Insurance	$583	$97
State Farm	$861	$145
Allstate	$950	$160

Cheapest Full Coverage Car Insurance in Fair Oaks

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 Fair Oaks is Country Financial at $81 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fair Oaks, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$471	$81
Auto-Owners Insurance Co	$621	$103
Farm Bureau	$830	$141
Georgia Farm Bureau	$914	$152
Auto-Owners	$1332	$224
USAA	$1377	$232
Progressive	$1624	$273
Mercury	$1677	$280
Allstate	$1767	$297
Esurance P&C Ins Co	$1804	$301
State Farm	$1811	$305

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Average Car Insurance in Fair Oaks 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 Fair Oaks, GA increasing?

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

Car Insurance Premiums by Age in Fair Oaks

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	$895
30s	Georgia Farm Bureau	$716
40s	Georgia Farm Bureau	$687
50s	Georgia Farm Bureau	$658
60s	Georgia Farm Bureau	$653
70s	Georgia Farm Bureau	$790

Cheapest Car Insurance Rates for Teen Drivers in Fair Oaks,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 Fair Oaks at $66 per month. At $9206 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	$397	$66
Mercury	$471	$81
Country Financial	$562	$95
Central Insurance	$583	$100
USAA	$2215	$373
Auto-Owners	$2433	$410
Georgia Farm Bureau	$2538	$423
Farm Bureau	$2650	$451
State Farm	$6563	$1105
Allstate	$6601	$1111
Progressive	$9206	$1550

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 Fair Oaks.

As young drivers face the highest rates in Fair Oaks, Georgia Farm Bureau offers the cheapest auto insurance rates at $895 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 Fair Oaks, Country Financial is the cheapest car insurance provider. At $389 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 Fair Oaks is State Farm, offering rates of around $5651 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$389	$64
Mercury	$456	$78
Farm Bureau	$830	$139
USAA	$1804	$306
Progressive	$2785	$464
Auto-Owners	$2927	$498
Allstate	$3188	$532
State Farm	$5651	$961

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Save up to $971/yr on car insurance rates in Fair Oaks.

Car Insurance Rates with An Accident in Fair Oaks

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Oaks

The cheapest car insurance companies after an at-fault accident in Fair Oaks include AutoOwners Insurance Co and Country Financial, offering $412 and $636, respectively. Allstate is an expensive provider with an average six-month premium of $2709.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
Country Financial	$636	$107
Encompass	$703	$117
Central Insurance	$771	$131
Farm Bureau	$914	$152
Georgia Farm Bureau	$1123	$192
Auto-Owners	$1138	$192
USAA	$1220	$205
Progressive	$2253	$379
State Farm	$2283	$384
Allstate	$2709	$456

Fair Oaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fair Oaks GA. For example, the car insurance in Fair Oaks after a DUI increases to $1363 for a six month policy. While the rate increases by $428 for a six-month policy in the case of a speeding ticket.

Fair Oaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1601	$267
One Med/PIP claim	$1601	$272
One comp claim	$1609	$268
Two Med/PIP claims	$1609	$273
Not-at-fault accident	$1617	$270
Two comp claims	$1639	$278
Driving without lights	$1932	$321
Failure to wear a seat belt	$1932	$329
Child safety restraint	$1953	$325
Failure to show documents	$1953	$333
Cell phone violation	$1998	$333
Texting while driving	$1998	$340
Driving too slowly	$2029	$338
Speeding 6 - 10 MPH over limit	$2029	$345
Speeding in school zone	$2029	$338
Speeding 11 - 15 MPH over limit	$2036	$347
Driving with expired registration	$2044	$340
Failure to yield	$2044	$348
Following too closely	$2044	$340
Illegal turn	$2044	$348
Failure to stop at a red light	$2051	$341
Improper passing	$2051	$349
Speeding 16 - 20 MPH over limit	$2051	$341
Wrong way/wrong lane	$2051	$349
Speeding 21 - 25 MPH over limit	$2073	$345
Passing school bus	$2111	$359
In 65 MPH zone	$2118	$353
Open container	$2148	$365
At-fault accident - less than $1000	$2156	$359
Operating a vehicle without permission	$2185	$372
At-fault accident - $1000-$2000	$2350	$392
At-fault accident - greater than $2000	$2365	$402
Refusal to submit to a chemical test	$2769	$461
Reckless driving	$2851	$485
Racing	$2919	$486
Driving with a suspended license	$2927	$498
DUI	$2964	$494
Leaving scene of an accident/hit and run	$3039	$517

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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 Fair Oaks 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 Fair Oaks.

The cheapest car insurance premiums in Fair Oaks are offered by Mercury at $479 for a six-month policy. However, it can be as expensive as $2156 with companies like Progressive.

Fair Oaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$479	$82
Auto-Owners Insurance Co	$621	$103
Country Financial	$674	$113
Esurance P&C Ins Co	$929	$155
Auto-Owners	$1482	$249
Farm Bureau	$1609	$268
USAA	$1744	$294
Georgia Farm Bureau	$1804	$301
State Farm	$1953	$329
Allstate	$2065	$348
Progressive	$2156	$363

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 Fair Oaks are offered by AutoOwners Insurance Co at $321. However, it can be as expensive as $2447 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Fair Oaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$54
Country Financial	$352	$59
Mercury	$501	$86
Farm Bureau	$914	$152
Auto-Owners	$1115	$189
USAA	$1212	$202
State Farm	$1586	$270
Allstate	$2156	$359
Progressive	$2447	$416

Car Insurance Price Trends in Fair Oaks, Georgia

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

The average cost of full coverage in the Fair Oaks rose by $284 in December compared to $278 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 Fair Oaks rose to $91 in December, compared to $86 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fair Oaks?

The car insurance in Fair Oaks is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Fair Oaks?

The cheapest car insurance in Fair Oaks is $81 per month for full coverage.

How much is car insurance in Fair Oaks for teenagers?

Car insurance for teenagers costs $397 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 Fair Oaks?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $217 per month to insure your car in Fair Oaks.

Is car insurance expensive in Fair Oaks?

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

Cheapest Car Insurance Quotes in Fair Oaks

Why you can trust Way?

How Much Is Car Insurance in Fair Oaks

Avg. Car Insurance in Fair Oaks

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Fair Oaks

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Fair Oaks Car Insurance Rates by Company

Cheap Car Insurance Companies in Fair Oaks, GA

Way's key takeaways about car insurance in Fair Oaks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fair Oaks

Cheapest Liability Coverage in Fair Oaks, GA

Cheapest Full Coverage Car Insurance in Fair Oaks

Cheapest Full Coverage Car Insurance Quotes in Fair Oaks, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fair Oaks by Rating Factor

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

Car Insurance Premiums by Age in Fair Oaks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fair Oaks,GA

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

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 Fair Oaks

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Oaks

Fair Oaks Car Insurance Rates by Violation

Fair Oaks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fair Oaks after a DUI

Fair Oaks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fair Oaks after Speeding ticket

Car Insurance Price Trends in Fair Oaks, Georgia

Average Car Insurance Cost in Fair Oaks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fair Oaks, GA

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

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