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Finding the cheapest car insurance quotes in Hartsfield 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 Hartsfield
The car insurance rate in Hartsfield is $923 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $337, making it a popular choice for budget-conscious drivers. Rates in Hartsfield 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 $337 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 $444 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 $593
for six months, making it
the third cheapest auto insurance company in Hartsfield.
Hartsfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hartsfield, GA is Country Financial, offering policies at just $337 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1293 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hartsfield drivers find the best deals.
Way's key takeaways about car insurance in Hartsfield
The auto insurance costs in Hartsfield fall around $337 for six
months.
The cheapest auto insurance company in Hartsfield is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Hartsfield at $1107 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 Hartsfield
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 Hartsfield are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Hartsfield. Their Average 6 Month Premium is $198.
Allstate is the most
expensive at $679 for the same
period.
Cheapest Full Coverage Car Insurance in Hartsfield
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 Hartsfield is Country Financial
at $58 per month and $337
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hartsfield,
GA
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Instantly!
Average Car Insurance in Hartsfield 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 Hartsfield, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hartsfield, 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, Hartsfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hartsfield
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
$639
30s
Georgia Farm Bureau
$511
40s
Georgia Farm Bureau
$491
50s
Georgia Farm Bureau
$470
60s
Georgia Farm Bureau
$466
70s
Georgia Farm Bureau
$564
Cheapest Car Insurance Rates for Teen Drivers in
Hartsfield,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 Hartsfield at $47
per
month. At $6575 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 Hartsfield.
As young drivers face the highest rates in Hartsfield, Georgia Farm Bureau
offers the cheapest auto insurance rates at $639 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 Hartsfield,
Country Financial is
the cheapest car insurance provider. At $278 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
Hartsfield is State Farm, offering
rates of around $4037 for six
months.
Save up to $971/yr on car insurance rates in Hartsfield.
Car Insurance Rates with An Accident in Hartsfield
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 Hartsfield, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hartsfield
The cheapest car insurance companies after an at-fault accident in
Hartsfield include AutoOwners Insurance Co
and Country Financial, offering $294
and $455,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1935.
Here is a list of driving violations that can increase your car
insurance rates in Hartsfield GA. For example, the car
insurance in Hartsfield
after a DUI increases to $973 for a six
month policy. While the rate increases by $305 for a six-month policy in the case of
a speeding ticket.
Hartsfield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1144
$191
One Med/PIP claim
$1144
$194
One comp claim
$1149
$192
Two Med/PIP claims
$1149
$195
Not-at-fault accident
$1155
$193
Two comp claims
$1171
$199
Driving without lights
$1380
$230
Failure to wear a seat belt
$1380
$235
Child safety restraint
$1395
$232
Failure to show documents
$1395
$238
Cell phone violation
$1427
$238
Texting while driving
$1427
$243
Driving too slowly
$1449
$241
Speeding 6 - 10 MPH over limit
$1449
$247
Speeding in school zone
$1449
$241
Speeding 11 - 15 MPH over limit
$1454
$248
Driving with expired registration
$1460
$243
Failure to yield
$1460
$248
Following too closely
$1460
$243
Illegal turn
$1460
$248
Failure to stop at a red light
$1465
$244
Improper passing
$1465
$249
Speeding 16 - 20 MPH over limit
$1465
$244
Wrong way/wrong lane
$1465
$249
Speeding 21 - 25 MPH over limit
$1481
$247
Passing school bus
$1508
$257
In 65 MPH zone
$1513
$252
Open container
$1535
$261
At-fault accident - less than $1000
$1540
$257
Operating a vehicle without permission
$1561
$266
At-fault accident - $1000-$2000
$1679
$280
At-fault accident - greater than $2000
$1689
$287
Refusal to submit to a chemical test
$1978
$329
Reckless driving
$2037
$347
Racing
$2085
$347
Driving with a suspended license
$2091
$356
DUI
$2117
$353
Leaving scene of an accident/hit and run
$2171
$369
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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 Hartsfield 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 Hartsfield.
The cheapest car insurance premiums in
Hartsfield are
offered by Mercury at $342 for a six-month policy.
However, it can be as
expensive as $1540 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 Hartsfield are offered by AutoOwners Insurance Co
at $230. However,
it can be as expensive as $1748
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Hartsfield after Speeding ticket
Car insurance rates in Hartsfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hartsfield rose by
$203 in December
compared to $199 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 Hartsfield rose to $65 in December,
compared to $61 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Hartsfield 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
Hartsfield. At $1846 for a
six-month policy, insuring
your car at 31756 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 Hartsfield?
The car insurance in Hartsfield is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Hartsfield?
The cheapest car insurance in Hartsfield
is $58 per month
for full coverage.
How much is car insurance in Hartsfield for teenagers?
Car insurance for teenagers costs $284 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
Hartsfield?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $155 per month to insure your
car in Hartsfield.
Is car insurance expensive in Hartsfield?
Car insurance can be expensive in Hartsfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hartsfield can be
affordable.
What is the best car insurance in Hartsfield,
GA?
The best car insurance company in Hartsfield
GA is
Country Financial, offering $337 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hartsfield, GA
Car Insurance Rates by State in the USA (2025 Update)
Hartsfield Car Insurance
