Cheapest Car Insurance Quotes in Holly Springs

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Holly Springs Car Insurance

^$ 38

/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 Holly Springs

The car insurance rate in Holly Springs is $1067 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Holly Springs 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 Holly Springs

$1067

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Holly Springs

1st place: Country Financial

At $389 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 $513 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 $685 for six months, making it the third cheapest auto insurance company in Holly Springs.

Holly Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Holly Springs, GA is Country Financial, offering policies at just $389 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1494 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Holly Springs drivers find the best deals.

Cheap Car Insurance Companies in Holly Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$389	$67
Auto-Owners Insurance Co	$513	$85
Farm Bureau	$685	$116
Georgia Farm Bureau	$754	$126
Auto-Owners	$1099	$185
USAA	$1137	$191
Progressive	$1341	$226
Mercury	$1384	$231
Allstate	$1458	$245
Esurance P&C Ins Co	$1489	$249
State Farm	$1494	$252

Key Takeaways

Way's key takeaways about car insurance in Holly Springs

The auto insurance costs in Holly Springs fall around $389 for six months.
The cheapest auto insurance company in Holly Springs is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Holly Springs at $1279 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 Holly Springs

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 Holly Springs are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Holly Springs. Their Average 6 Month Premium is $229. Allstate is the most expensive at $784 for the same period.

Cheapest Liability Coverage in Holly Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$229	$38
Farm Bureau	$290	$49
Georgia Farm Bureau	$309	$52
Auto-Owners	$370	$62
Mercury	$370	$62
Country Financial	$395	$67
USAA	$414	$70
Progressive	$458	$77
Central Insurance	$482	$80
State Farm	$710	$120
Allstate	$784	$132

Cheapest Full Coverage Car Insurance in Holly Springs

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 Holly Springs is Country Financial at $67 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Holly Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$389	$67
Auto-Owners Insurance Co	$513	$85
Farm Bureau	$685	$116
Georgia Farm Bureau	$754	$126
Auto-Owners	$1099	$185
USAA	$1137	$191
Progressive	$1341	$226
Mercury	$1384	$231
Allstate	$1458	$245
Esurance P&C Ins Co	$1489	$249
State Farm	$1494	$252

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Average Car Insurance in Holly Springs 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 Holly Springs, GA increasing?

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

Car Insurance Premiums by Age in Holly Springs

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	$738
30s	Georgia Farm Bureau	$591
40s	Georgia Farm Bureau	$567
50s	Georgia Farm Bureau	$543
60s	Georgia Farm Bureau	$539
70s	Georgia Farm Bureau	$652

Cheapest Car Insurance Rates for Teen Drivers in Holly Springs,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 Holly Springs at $54 per month. At $7598 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	$328	$54
Mercury	$389	$67
Country Financial	$464	$78
Central Insurance	$482	$82
USAA	$1828	$308
Auto-Owners	$2008	$338
Georgia Farm Bureau	$2095	$349
Farm Bureau	$2187	$372
State Farm	$5417	$912
Allstate	$5449	$917
Progressive	$7598	$1279

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 Holly Springs.

As young drivers face the highest rates in Holly Springs, Georgia Farm Bureau offers the cheapest auto insurance rates at $738 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 Holly Springs, Country Financial is the cheapest car insurance provider. At $321 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 Holly Springs is State Farm, offering rates of around $4664 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$321	$53
Mercury	$376	$64
Farm Bureau	$685	$114
USAA	$1489	$253
Progressive	$2298	$383
Auto-Owners	$2416	$411
Allstate	$2631	$439
State Farm	$4664	$794

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Save up to $971/yr on car insurance rates in Holly Springs.

Car Insurance Rates with An Accident in Holly Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Holly Springs

The cheapest car insurance companies after an at-fault accident in Holly Springs include AutoOwners Insurance Co and Country Financial, offering $340 and $525, respectively. Allstate is an expensive provider with an average six-month premium of $2236.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$340	$56
Country Financial	$525	$88
Encompass	$580	$97
Central Insurance	$636	$108
Farm Bureau	$754	$126
Georgia Farm Bureau	$927	$158
Auto-Owners	$939	$158
USAA	$1007	$170
Progressive	$1860	$313
State Farm	$1884	$317
Allstate	$2236	$376

Holly Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Holly Springs GA. For example, the car insurance in Holly Springs after a DUI increases to $1124 for a six month policy. While the rate increases by $352 for a six-month policy in the case of a speeding ticket.

Holly Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1322	$220
One Med/PIP claim	$1322	$225
One comp claim	$1328	$222
Two Med/PIP claims	$1328	$226
Not-at-fault accident	$1334	$223
Two comp claims	$1353	$230
Driving without lights	$1594	$265
Failure to wear a seat belt	$1594	$271
Child safety restraint	$1612	$268
Failure to show documents	$1612	$275
Cell phone violation	$1649	$275
Texting while driving	$1649	$281
Driving too slowly	$1674	$279
Speeding 6 - 10 MPH over limit	$1674	$285
Speeding in school zone	$1674	$279
Speeding 11 - 15 MPH over limit	$1681	$286
Driving with expired registration	$1687	$281
Failure to yield	$1687	$287
Following too closely	$1687	$281
Illegal turn	$1687	$287
Failure to stop at a red light	$1693	$282
Improper passing	$1693	$288
Speeding 16 - 20 MPH over limit	$1693	$282
Wrong way/wrong lane	$1693	$288
Speeding 21 - 25 MPH over limit	$1711	$285
Passing school bus	$1742	$296
In 65 MPH zone	$1748	$291
Open container	$1773	$302
At-fault accident - less than $1000	$1779	$296
Operating a vehicle without permission	$1803	$307
At-fault accident - $1000-$2000	$1940	$323
At-fault accident - greater than $2000	$1952	$332
Refusal to submit to a chemical test	$2286	$381
Reckless driving	$2354	$400
Racing	$2410	$401
Driving with a suspended license	$2416	$411
DUI	$2446	$408
Leaving scene of an accident/hit and run	$2508	$426

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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 Holly Springs 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 Holly Springs.

The cheapest car insurance premiums in Holly Springs are offered by Mercury at $395 for a six-month policy. However, it can be as expensive as $1779 with companies like Progressive.

Holly Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$395	$68
Auto-Owners Insurance Co	$513	$85
Country Financial	$556	$94
Esurance P&C Ins Co	$766	$128
Auto-Owners	$1223	$206
Farm Bureau	$1328	$222
USAA	$1439	$242
Georgia Farm Bureau	$1489	$249
State Farm	$1612	$271
Allstate	$1705	$287
Progressive	$1779	$300

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 Holly Springs are offered by AutoOwners Insurance Co at $265. However, it can be as expensive as $2020 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Holly Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$265	$45
Country Financial	$290	$49
Mercury	$414	$71
Farm Bureau	$754	$126
Auto-Owners	$920	$156
USAA	$1000	$166
State Farm	$1309	$223
Allstate	$1779	$296
Progressive	$2020	$343

Car Insurance Price Trends in Holly Springs, Georgia

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

The average cost of full coverage in the Holly Springs rose by $234 in December compared to $230 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 Holly Springs rose to $75 in December, compared to $71 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Holly Springs?

The car insurance in Holly Springs is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Holly Springs?

The cheapest car insurance in Holly Springs is $67 per month for full coverage.

How much is car insurance in Holly Springs for teenagers?

Car insurance for teenagers costs $328 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 Holly Springs?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $179 per month to insure your car in Holly Springs.

Is car insurance expensive in Holly Springs?

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

Cheapest Car Insurance Quotes in Holly Springs

Why you can trust Way?

How Much Is Car Insurance in Holly Springs

Avg. Car Insurance in Holly Springs

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Holly Springs

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Holly Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Holly Springs, GA

Way's key takeaways about car insurance in Holly Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Holly Springs

Cheapest Liability Coverage in Holly Springs, GA

Cheapest Full Coverage Car Insurance in Holly Springs

Cheapest Full Coverage Car Insurance Quotes in Holly Springs, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Holly Springs by Rating Factor

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

Car Insurance Premiums by Age in Holly Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Holly Springs,GA

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

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 Holly Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Holly Springs

Holly Springs Car Insurance Rates by Violation

Holly Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Holly Springs after a DUI

Holly Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Holly Springs after Speeding ticket

Car Insurance Price Trends in Holly Springs, Georgia

Average Car Insurance Cost in Holly Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Holly Springs, GA

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

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