Cheapest Car Insurance Quotes in Fairburn

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Fairburn 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 Fairburn

The car insurance rate in Fairburn is $1558 for a six-month policy, which is $505 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 Fairburn 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 Fairburn

$1558

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Fairburn

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: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1073 for six months, making it the third cheapest auto insurance company in Fairburn.

Fairburn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairburn, 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 $2506 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairburn drivers find the best deals.

Cheap Car Insurance Companies in Fairburn, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$554	$92
Auto-Owners Insurance Co	$730	$124
Georgia Farm Bureau	$1073	$179
Farm Bureau	$1178	$200
Auto-Owners	$1653	$278
USAA	$1653	$278
Progressive	$1705	$287
Mercury	$1970	$334
Allstate	$2013	$339
Esurance P&C Ins Co	$2119	$360
State Farm	$2506	$422

Key Takeaways

Way's key takeaways about car insurance in Fairburn

The auto insurance costs in Fairburn fall around $554 for six months.
The cheapest auto insurance company in Fairburn is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Fairburn at $1502 per month.

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Cheapest Minimum Liability Car Insurance in Fairburn

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 Fairburn are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Fairburn. Their Average 6 Month Premium is $326. State Farm is the most expensive at $1151 for the same period.

Cheapest Liability Coverage in Fairburn, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$326	$55
Georgia Farm Bureau	$440	$74
Farm Bureau	$484	$83
Mercury	$527	$89
Auto-Owners	$545	$92
Country Financial	$562	$95
USAA	$607	$102
Progressive	$616	$104
Central Insurance	$685	$117
Allstate	$993	$166
State Farm	$1151	$194

Cheapest Full Coverage Car Insurance in Fairburn

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 Fairburn is Country Financial at $92 per month and $554 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairburn, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$554	$92
Auto-Owners Insurance Co	$730	$124
Georgia Farm Bureau	$1073	$179
Farm Bureau	$1178	$200
Auto-Owners	$1653	$278
USAA	$1653	$278
Progressive	$1705	$287
Mercury	$1970	$334
Allstate	$2013	$339
Esurance P&C Ins Co	$2119	$360
State Farm	$2506	$422

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Average Car Insurance in Fairburn 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 Fairburn, GA increasing?

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

Car Insurance Premiums by Age in Fairburn

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 Fairburn,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 Fairburn at $77 per month. At $8923 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	$466	$77
Mercury	$554	$95
Country Financial	$660	$111
Central Insurance	$685	$117
USAA	$2734	$460
Georgia Farm Bureau	$2981	$506
Auto-Owners	$3164	$533
Farm Bureau	$3789	$644
Allstate	$6997	$1166
Progressive	$8923	$1502
State Farm	$8923	$1502

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 Fairburn, 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 Fairburn is Allstate, offering rates of around $3744 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$457	$75
Mercury	$536	$92
Farm Bureau	$1178	$197
Progressive	$2233	$380
USAA	$2383	$397
Auto-Owners	$4342	$739
State Farm	$9583	$1597
Allstate	$3744	$625

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Car Insurance Rates with An Accident in Fairburn

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

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

The cheapest car insurance companies after an at-fault accident in Fairburn include AutoOwners Insurance Co and Country Financial, offering $484 and $747, respectively. State Farm is an expensive provider with an average six-month premium of $3068.

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	$1292	$216
Georgia Farm Bureau	$1319	$225
Auto-Owners	$1459	$246
USAA	$1486	$250
Progressive	$2119	$357
Allstate	$2805	$477
State Farm	$3068	$517

Fairburn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairburn GA. For example, the car insurance in Fairburn 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.

Fairburn 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 Fairburn 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 Fairburn.

The cheapest car insurance premiums in Fairburn are offered by Mercury at $562 for a six-month policy. However, it can be as expensive as $2849 with companies like State Farm.

Fairburn 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
Allstate	$1794	$305
Auto-Owners	$1961	$330
Georgia Farm Bureau	$2119	$360
Progressive	$2127	$358
USAA	$2162	$364
Farm Bureau	$2294	$382
State Farm	$2849	$480

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 Fairburn are offered by AutoOwners Insurance Co at $377. However, it can be as expensive as $2532 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fairburn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$64
Country Financial	$413	$70
Mercury	$589	$98
Farm Bureau	$1292	$219
USAA	$1627	$271
Auto-Owners	$1671	$284
Progressive	$1758	$293
State Farm	$2691	$457
Allstate	$2532	$422

Car Insurance Price Trends in Fairburn, Georgia

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

The average cost of full coverage in the Fairburn dipped by $317 in January compared to $333 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Fairburn dipped to $105 in January, compared to $107 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fairburn?

The car insurance in Fairburn is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Fairburn?

The cheapest car insurance in Fairburn is $92 per month for full coverage.

How much is car insurance in Fairburn 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 Fairburn?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $262 per month to insure your car in Fairburn.

Is car insurance expensive in Fairburn?

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

Cheapest Car Insurance Quotes in Fairburn

Why you can trust Way?

How Much Is Car Insurance in Fairburn

Avg. Car Insurance in Fairburn

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Fairburn

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Fairburn Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairburn, GA

Way's key takeaways about car insurance in Fairburn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairburn

Cheapest Liability Coverage in Fairburn, GA

Cheapest Full Coverage Car Insurance in Fairburn

Cheapest Full Coverage Car Insurance Quotes in Fairburn, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairburn by Rating Factor

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

Car Insurance Premiums by Age in Fairburn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairburn,GA

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

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 Fairburn

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

Fairburn Car Insurance Rates by Violation

Fairburn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairburn after a DUI

Fairburn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairburn after Speeding ticket

Car Insurance Price Trends in Fairburn, Georgia

Average Car Insurance Cost in Fairburn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairburn, GA

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

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