Cheapest Car Insurance Quotes in Johns Creek

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Johns Creek Car Insurance

^$ 43

/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 Johns Creek

The car insurance rate in Johns Creek is $1221 for a six-month policy, which is $168 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Johns Creek 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 Johns Creek

$1221

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Johns Creek

1st place: Country Financial

At $434 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 $572 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 $841 for six months, making it the third cheapest auto insurance company in Johns Creek.

Johns Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Johns Creek, GA is Country Financial, offering policies at just $434 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $572.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1964 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Johns Creek drivers find the best deals.

Cheap Car Insurance Companies in Johns Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$434	$72
Auto-Owners Insurance Co	$572	$97
Georgia Farm Bureau	$841	$140
Farm Bureau	$923	$157
Auto-Owners	$1296	$218
USAA	$1296	$218
Progressive	$1336	$225
Mercury	$1544	$262
Allstate	$1578	$266
Esurance P&C Ins Co	$1661	$282
State Farm	$1964	$331

Key Takeaways

Way's key takeaways about car insurance in Johns Creek

The auto insurance costs in Johns Creek fall around $434 for six months.
The cheapest auto insurance company in Johns Creek is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Johns Creek at $1177 per month.

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

Cheapest Minimum Liability Car Insurance in Johns Creek

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 Johns Creek are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Johns Creek. Their Average 6 Month Premium is $255. State Farm is the most expensive at $902 for the same period.

Cheapest Liability Coverage in Johns Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Georgia Farm Bureau	$345	$58
Farm Bureau	$379	$65
Mercury	$413	$70
Auto-Owners	$427	$72
Country Financial	$441	$74
USAA	$476	$80
Progressive	$483	$81
Central Insurance	$537	$92
Allstate	$778	$130
State Farm	$902	$152

Cheapest Full Coverage Car Insurance in Johns Creek

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 Johns Creek is Country Financial at $72 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Johns Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$434	$72
Auto-Owners Insurance Co	$572	$97
Georgia Farm Bureau	$841	$140
Farm Bureau	$923	$157
Auto-Owners	$1296	$218
USAA	$1296	$218
Progressive	$1336	$225
Mercury	$1544	$262
Allstate	$1578	$266
Esurance P&C Ins Co	$1661	$282
State Farm	$1964	$331

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Average Car Insurance in Johns Creek 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 Johns Creek, GA increasing?

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

Car Insurance Premiums by Age in Johns Creek

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 Johns Creek,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 Johns Creek at $60 per month. At $6994 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	$365	$60
Mercury	$434	$74
Country Financial	$517	$87
Central Insurance	$537	$92
USAA	$2143	$361
Georgia Farm Bureau	$2336	$397
Auto-Owners	$2480	$418
Farm Bureau	$2970	$505
Allstate	$5484	$914
Progressive	$6994	$1177
State Farm	$6994	$1177

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 Johns Creek, Country Financial is the cheapest car insurance provider. At $358 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 Johns Creek is Allstate, offering rates of around $2935 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$358	$59
Mercury	$420	$72
Farm Bureau	$923	$154
Progressive	$1750	$298
USAA	$1868	$311
Auto-Owners	$3403	$579
State Farm	$7511	$1252
Allstate	$2935	$490

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Car Insurance Rates with An Accident in Johns Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Johns Creek

The cheapest car insurance companies after an at-fault accident in Johns Creek include AutoOwners Insurance Co and Country Financial, offering $379 and $586, respectively. State Farm is an expensive provider with an average six-month premium of $2405.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
Country Financial	$586	$99
Encompass	$647	$108
Central Insurance	$710	$121
Farm Bureau	$1013	$169
Georgia Farm Bureau	$1034	$176
Auto-Owners	$1144	$193
USAA	$1165	$196
Progressive	$1661	$280
Allstate	$2198	$374
State Farm	$2405	$405

Johns Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Johns Creek GA. For example, the car insurance in Johns Creek after a DUI increases to $1254 for a six month policy. While the rate increases by $394 for a six-month policy in the case of a speeding ticket.

Johns Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1474	$246
One Med/PIP claim	$1474	$251
One comp claim	$1481	$247
Two Med/PIP claims	$1481	$252
Not-at-fault accident	$1488	$248
Two comp claims	$1509	$256
Driving without lights	$1778	$296
Failure to wear a seat belt	$1778	$303
Child safety restraint	$1798	$299
Failure to show documents	$1798	$306
Cell phone violation	$1840	$306
Texting while driving	$1840	$313
Driving too slowly	$1868	$311
Speeding 6 - 10 MPH over limit	$1868	$318
Speeding in school zone	$1868	$311
Speeding 11 - 15 MPH over limit	$1875	$319
Driving with expired registration	$1882	$313
Failure to yield	$1882	$320
Following too closely	$1882	$313
Illegal turn	$1882	$320
Failure to stop at a red light	$1888	$314
Improper passing	$1888	$321
Speeding 16 - 20 MPH over limit	$1888	$314
Wrong way/wrong lane	$1888	$321
Speeding 21 - 25 MPH over limit	$1908	$318
Passing school bus	$1943	$331
In 65 MPH zone	$1950	$325
Open container	$1978	$336
At-fault accident - less than $1000	$1985	$331
Operating a vehicle without permission	$2011	$342
At-fault accident - $1000-$2000	$2163	$361
At-fault accident - greater than $2000	$2177	$370
Refusal to submit to a chemical test	$2550	$425
Reckless driving	$2625	$447
Racing	$2688	$448
Driving with a suspended license	$2695	$458
DUI	$2728	$455
Leaving scene of an accident/hit and run	$2798	$476

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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 Johns Creek 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 Johns Creek.

The cheapest car insurance premiums in Johns Creek are offered by Mercury at $441 for a six-month policy. However, it can be as expensive as $2233 with companies like State Farm.

Johns Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$441	$75
Auto-Owners Insurance Co	$572	$95
Country Financial	$621	$104
Esurance P&C Ins Co	$855	$143
Allstate	$1406	$239
Auto-Owners	$1537	$259
Georgia Farm Bureau	$1661	$282
Progressive	$1667	$281
USAA	$1695	$285
Farm Bureau	$1798	$299
State Farm	$2233	$376

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 Johns Creek are offered by AutoOwners Insurance Co at $296. However, it can be as expensive as $1985 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Johns Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$296	$50
Country Financial	$324	$55
Mercury	$462	$77
Farm Bureau	$1013	$172
USAA	$1275	$212
Auto-Owners	$1310	$223
Progressive	$1378	$230
State Farm	$2109	$358
Allstate	$1985	$331

Car Insurance Price Trends in Johns Creek, Georgia

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

The average cost of full coverage in the Johns Creek dipped by $248 in January compared to $261 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 Johns Creek dipped to $82 in January, compared to $84 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 Johns Creek?

The car insurance in Johns Creek is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Johns Creek?

The cheapest car insurance in Johns Creek is $72 per month for full coverage.

How much is car insurance in Johns Creek for teenagers?

Car insurance for teenagers costs $365 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 Johns Creek?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $205 per month to insure your car in Johns Creek.

Is car insurance expensive in Johns Creek?

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

Cheapest Car Insurance Quotes in Johns Creek

Why you can trust Way?

How Much Is Car Insurance in Johns Creek

Avg. Car Insurance in Johns Creek

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Johns Creek

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Johns Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Johns Creek, GA

Way's key takeaways about car insurance in Johns Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Johns Creek

Cheapest Liability Coverage in Johns Creek, GA

Cheapest Full Coverage Car Insurance in Johns Creek

Cheapest Full Coverage Car Insurance Quotes in Johns Creek, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Johns Creek by Rating Factor

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

Car Insurance Premiums by Age in Johns Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Johns Creek,GA

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

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 Johns Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Johns Creek

Johns Creek Car Insurance Rates by Violation

Johns Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Johns Creek after a DUI

Johns Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Johns Creek after Speeding ticket

Car Insurance Price Trends in Johns Creek, Georgia

Average Car Insurance Cost in Johns Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Johns Creek, GA

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

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