Cheapest Car Insurance Quotes in Fort Valley

Finding the cheapest car insurance quotes in Fort Valley 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Fort Valley Car Insurance

^$ 41

/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 Fort Valley

The car insurance rate in Fort Valley is $1158 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Fort Valley 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 Fort Valley

$1158

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Fort Valley

1st place: Country Financial

At $411 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 $542 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 $798 for six months, making it the third cheapest auto insurance company in Fort Valley.

Fort Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Valley, GA is Country Financial, offering policies at just $411 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $542.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1862 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Valley drivers find the best deals.

Cheap Car Insurance Companies in Fort Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$411	$68
Auto-Owners Insurance Co	$542	$92
Georgia Farm Bureau	$798	$133
Farm Bureau	$876	$149
Auto-Owners	$1229	$207
USAA	$1229	$207
Progressive	$1267	$213
Mercury	$1464	$249
Allstate	$1496	$252
Esurance P&C Ins Co	$1575	$267
State Farm	$1862	$314

Key Takeaways

Way's key takeaways about car insurance in Fort Valley

The auto insurance costs in Fort Valley fall around $411 for six months.
The cheapest auto insurance company in Fort Valley is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Fort Valley at $1117 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 Fort Valley

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 Fort Valley are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Fort Valley. Their Average 6 Month Premium is $242. State Farm is the most expensive at $856 for the same period.

Cheapest Liability Coverage in Fort Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Georgia Farm Bureau	$327	$55
Farm Bureau	$360	$62
Mercury	$392	$66
Auto-Owners	$405	$68
Country Financial	$418	$70
USAA	$451	$76
Progressive	$458	$77
Central Insurance	$509	$87
Allstate	$738	$123
State Farm	$856	$144

Cheapest Full Coverage Car Insurance in Fort Valley

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 Fort Valley is Country Financial at $68 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$411	$68
Auto-Owners Insurance Co	$542	$92
Georgia Farm Bureau	$798	$133
Farm Bureau	$876	$149
Auto-Owners	$1229	$207
USAA	$1229	$207
Progressive	$1267	$213
Mercury	$1464	$249
Allstate	$1496	$252
Esurance P&C Ins Co	$1575	$267
State Farm	$1862	$314

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fort Valley Instantly!

Average Car Insurance in Fort Valley 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 Fort Valley, GA increasing?

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

Car Insurance Premiums by Age in Fort Valley

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Fort Valley,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 Fort Valley at $57 per month. At $6632 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	$347	$57
Mercury	$411	$70
Country Financial	$491	$83
Central Insurance	$509	$87
USAA	$2032	$342
Georgia Farm Bureau	$2215	$376
Auto-Owners	$2352	$396
Farm Bureau	$2816	$479
Allstate	$5201	$867
Progressive	$6632	$1117
State Farm	$6632	$1117

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 Fort Valley, Country Financial is the cheapest car insurance provider. At $340 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 Fort Valley is Allstate, offering rates of around $2783 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$340	$56
Mercury	$398	$68
Farm Bureau	$876	$146
Progressive	$1660	$283
USAA	$1771	$295
Auto-Owners	$3227	$549
State Farm	$7123	$1187
Allstate	$2783	$464

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fort Valley.

Car Insurance Rates with An Accident in Fort Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Valley

The cheapest car insurance companies after an at-fault accident in Fort Valley include AutoOwners Insurance Co and Country Financial, offering $360 and $556, respectively. State Farm is an expensive provider with an average six-month premium of $2280.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$360	$59
Country Financial	$556	$94
Encompass	$614	$102
Central Insurance	$673	$114
Farm Bureau	$960	$161
Georgia Farm Bureau	$980	$167
Auto-Owners	$1085	$183
USAA	$1104	$186
Progressive	$1575	$265
Allstate	$2085	$354
State Farm	$2280	$384

Fort Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Valley GA. For example, the car insurance in Fort Valley after a DUI increases to $1189 for a six month policy. While the rate increases by $373 for a six-month policy in the case of a speeding ticket.

Fort Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1398	$233
One Med/PIP claim	$1398	$238
One comp claim	$1405	$234
Two Med/PIP claims	$1405	$239
Not-at-fault accident	$1411	$235
Two comp claims	$1431	$243
Driving without lights	$1686	$281
Failure to wear a seat belt	$1686	$287
Child safety restraint	$1705	$284
Failure to show documents	$1705	$290
Cell phone violation	$1745	$290
Texting while driving	$1745	$297
Driving too slowly	$1771	$295
Speeding 6 - 10 MPH over limit	$1771	$301
Speeding in school zone	$1771	$295
Speeding 11 - 15 MPH over limit	$1778	$303
Driving with expired registration	$1784	$297
Failure to yield	$1784	$304
Following too closely	$1784	$297
Illegal turn	$1784	$304
Failure to stop at a red light	$1791	$298
Improper passing	$1791	$305
Speeding 16 - 20 MPH over limit	$1791	$298
Wrong way/wrong lane	$1791	$305
Speeding 21 - 25 MPH over limit	$1810	$301
Passing school bus	$1843	$314
In 65 MPH zone	$1849	$308
Open container	$1876	$319
At-fault accident - less than $1000	$1882	$314
Operating a vehicle without permission	$1907	$325
At-fault accident - $1000-$2000	$2052	$342
At-fault accident - greater than $2000	$2065	$351
Refusal to submit to a chemical test	$2418	$403
Reckless driving	$2489	$424
Racing	$2549	$425
Driving with a suspended license	$2555	$435
DUI	$2587	$431
Leaving scene of an accident/hit and run	$2653	$451

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fort Valley 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 Fort Valley.

The cheapest car insurance premiums in Fort Valley are offered by Mercury at $418 for a six-month policy. However, it can be as expensive as $2118 with companies like State Farm.

Fort Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$418	$72
Auto-Owners Insurance Co	$542	$90
Country Financial	$589	$99
Esurance P&C Ins Co	$811	$135
Allstate	$1333	$227
Auto-Owners	$1458	$245
Georgia Farm Bureau	$1575	$267
Progressive	$1581	$266
USAA	$1607	$271
Farm Bureau	$1705	$284
State Farm	$2118	$356

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 Fort Valley are offered by AutoOwners Insurance Co at $281. However, it can be as expensive as $1882 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$47
Country Financial	$307	$52
Mercury	$438	$73
Farm Bureau	$960	$163
USAA	$1209	$201
Auto-Owners	$1242	$211
Progressive	$1307	$218
State Farm	$2000	$340
Allstate	$1882	$314

Car Insurance Price Trends in Fort Valley, Georgia

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

The average cost of full coverage in the Fort Valley dipped by $235 in January compared to $248 of December. In other words, there has been an decrease by $13 when you compare January and December.

The average cost of liability insurance in the Fort Valley dipped to $78 in January, compared to $79 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fort Valley?

The car insurance in Fort Valley is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Valley?

The cheapest car insurance in Fort Valley is $68 per month for full coverage.

How much is car insurance in Fort Valley for teenagers?

Car insurance for teenagers costs $347 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 Fort Valley?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $195 per month to insure your car in Fort Valley.

Is car insurance expensive in Fort Valley?

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

Cheapest Car Insurance Quotes in Fort Valley

Why you can trust Way?

How Much Is Car Insurance in Fort Valley

Avg. Car Insurance in Fort Valley

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Fort Valley

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Fort Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Valley, GA

Way's key takeaways about car insurance in Fort Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Valley

Cheapest Liability Coverage in Fort Valley, GA

Cheapest Full Coverage Car Insurance in Fort Valley

Cheapest Full Coverage Car Insurance Quotes in Fort Valley, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Valley by Rating Factor

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

Car Insurance Premiums by Age in Fort Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Valley,GA

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

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 Fort Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Valley

Fort Valley Car Insurance Rates by Violation

Fort Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Valley after a DUI

Fort Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Valley after Speeding ticket

Car Insurance Price Trends in Fort Valley, Georgia

Average Car Insurance Cost in Fort Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Valley, GA

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

Featured Blogs

Data Sources