Cheapest Car Insurance Quotes in Homerville

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Homerville Car Insurance

^$ 32

/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 Homerville

The car insurance rate in Homerville is $882 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $322, making it a popular choice for budget-conscious drivers. Rates in Homerville 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 Homerville

$882

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Homerville

1st place: Country Financial

At $322 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 $424 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 $567 for six months, making it the third cheapest auto insurance company in Homerville.

Homerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Homerville, GA is Country Financial, offering policies at just $322 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $424.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1236 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Homerville drivers find the best deals.

Cheap Car Insurance Companies in Homerville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$322	$55
Auto-Owners Insurance Co	$424	$71
Farm Bureau	$567	$96
Georgia Farm Bureau	$624	$104
Auto-Owners	$909	$153
USAA	$940	$158
Progressive	$1109	$187
Mercury	$1145	$191
Allstate	$1206	$203
Esurance P&C Ins Co	$1232	$206
State Farm	$1236	$208

Key Takeaways

Way's key takeaways about car insurance in Homerville

The auto insurance costs in Homerville fall around $322 for six months.
The cheapest auto insurance company in Homerville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Homerville at $1058 per month.

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

Cheapest Minimum Liability Car Insurance in Homerville

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 Homerville are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Homerville. Their Average 6 Month Premium is $189. Allstate is the most expensive at $648 for the same period.

Cheapest Liability Coverage in Homerville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$189	$32
Farm Bureau	$240	$40
Georgia Farm Bureau	$255	$43
Auto-Owners	$306	$52
Mercury	$306	$52
Country Financial	$327	$55
USAA	$342	$58
Progressive	$378	$64
Central Insurance	$398	$66
State Farm	$587	$99
Allstate	$648	$109

Cheapest Full Coverage Car Insurance in Homerville

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 Homerville is Country Financial at $55 per month and $322 for six months.

Cheapest Full Coverage Car Insurance Quotes in Homerville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$322	$55
Auto-Owners Insurance Co	$424	$71
Farm Bureau	$567	$96
Georgia Farm Bureau	$624	$104
Auto-Owners	$909	$153
USAA	$940	$158
Progressive	$1109	$187
Mercury	$1145	$191
Allstate	$1206	$203
Esurance P&C Ins Co	$1232	$206
State Farm	$1236	$208

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Average Car Insurance in Homerville 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 Homerville, GA increasing?

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

Car Insurance Premiums by Age in Homerville

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	$611
30s	Georgia Farm Bureau	$488
40s	Georgia Farm Bureau	$469
50s	Georgia Farm Bureau	$449
60s	Georgia Farm Bureau	$445
70s	Georgia Farm Bureau	$539

Cheapest Car Insurance Rates for Teen Drivers in Homerville,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 Homerville at $45 per month. At $6283 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	$271	$45
Mercury	$322	$55
Country Financial	$384	$65
Central Insurance	$398	$68
USAA	$1512	$255
Auto-Owners	$1661	$280
Georgia Farm Bureau	$1732	$289
Farm Bureau	$1809	$308
State Farm	$4480	$754
Allstate	$4506	$759
Progressive	$6283	$1058

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 Homerville.

As young drivers face the highest rates in Homerville, Georgia Farm Bureau offers the cheapest auto insurance rates at $611 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 Homerville, Country Financial is the cheapest car insurance provider. At $266 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 Homerville is State Farm, offering rates of around $3857 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$266	$44
Mercury	$311	$53
Farm Bureau	$567	$95
USAA	$1232	$209
Progressive	$1901	$316
Auto-Owners	$1998	$340
Allstate	$2176	$363
State Farm	$3857	$656

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Car Insurance Rates with An Accident in Homerville

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

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

The cheapest car insurance companies after an at-fault accident in Homerville include AutoOwners Insurance Co and Country Financial, offering $281 and $434, respectively. Allstate is an expensive provider with an average six-month premium of $1849.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$46
Country Financial	$434	$73
Encompass	$480	$80
Central Insurance	$526	$89
Farm Bureau	$624	$104
Georgia Farm Bureau	$766	$131
Auto-Owners	$777	$131
USAA	$832	$140
Progressive	$1538	$259
State Farm	$1558	$262
Allstate	$1849	$311

Homerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Homerville GA. For example, the car insurance in Homerville after a DUI increases to $930 for a six month policy. While the rate increases by $292 for a six-month policy in the case of a speeding ticket.

Homerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1093	$182
One Med/PIP claim	$1093	$186
One comp claim	$1098	$183
Two Med/PIP claims	$1098	$187
Not-at-fault accident	$1103	$184
Two comp claims	$1119	$190
Driving without lights	$1318	$219
Failure to wear a seat belt	$1318	$224
Child safety restraint	$1333	$222
Failure to show documents	$1333	$227
Cell phone violation	$1364	$227
Texting while driving	$1364	$232
Driving too slowly	$1385	$230
Speeding 6 - 10 MPH over limit	$1385	$236
Speeding in school zone	$1385	$230
Speeding 11 - 15 MPH over limit	$1390	$237
Driving with expired registration	$1395	$232
Failure to yield	$1395	$237
Following too closely	$1395	$232
Illegal turn	$1395	$237
Failure to stop at a red light	$1400	$233
Improper passing	$1400	$238
Speeding 16 - 20 MPH over limit	$1400	$233
Wrong way/wrong lane	$1400	$238
Speeding 21 - 25 MPH over limit	$1415	$236
Passing school bus	$1441	$245
In 65 MPH zone	$1446	$241
Open container	$1466	$249
At-fault accident - less than $1000	$1471	$245
Operating a vehicle without permission	$1491	$254
At-fault accident - $1000-$2000	$1604	$267
At-fault accident - greater than $2000	$1614	$274
Refusal to submit to a chemical test	$1890	$315
Reckless driving	$1946	$331
Racing	$1993	$332
Driving with a suspended license	$1998	$340
DUI	$2023	$337
Leaving scene of an accident/hit and run	$2074	$353

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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 Homerville 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 Homerville.

The cheapest car insurance premiums in Homerville are offered by Mercury at $327 for a six-month policy. However, it can be as expensive as $1471 with companies like Progressive.

Homerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$327	$56
Auto-Owners Insurance Co	$424	$71
Country Financial	$460	$77
Esurance P&C Ins Co	$634	$106
Auto-Owners	$1011	$170
Farm Bureau	$1098	$183
USAA	$1190	$200
Georgia Farm Bureau	$1232	$206
State Farm	$1333	$224
Allstate	$1410	$237
Progressive	$1471	$248

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 Homerville are offered by AutoOwners Insurance Co at $219. However, it can be as expensive as $1670 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Homerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$219	$37
Country Financial	$240	$40
Mercury	$342	$58
Farm Bureau	$624	$104
Auto-Owners	$761	$129
USAA	$827	$138
State Farm	$1083	$184
Allstate	$1471	$245
Progressive	$1670	$284

Car Insurance Price Trends in Homerville, Georgia

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

The average cost of full coverage in the Homerville rose by $194 in December compared to $190 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 Homerville rose to $62 in December, compared to $58 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 Homerville?

The car insurance in Homerville is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Homerville?

The cheapest car insurance in Homerville is $55 per month for full coverage.

How much is car insurance in Homerville for teenagers?

Car insurance for teenagers costs $271 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 Homerville?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $148 per month to insure your car in Homerville.

Is car insurance expensive in Homerville?

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

Cheapest Car Insurance Quotes in Homerville

Why you can trust Way?

How Much Is Car Insurance in Homerville

Avg. Car Insurance in Homerville

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Homerville

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Homerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Homerville, GA

Way's key takeaways about car insurance in Homerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Homerville

Cheapest Liability Coverage in Homerville, GA

Cheapest Full Coverage Car Insurance in Homerville

Cheapest Full Coverage Car Insurance Quotes in Homerville, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Homerville by Rating Factor

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

Car Insurance Premiums by Age in Homerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Homerville,GA

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

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 Homerville

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

Homerville Car Insurance Rates by Violation

Homerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Homerville after a DUI

Homerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Homerville after Speeding ticket

Car Insurance Price Trends in Homerville, Georgia

Average Car Insurance Cost in Homerville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Homerville, GA

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

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