Cheapest Car Insurance Quotes in Jonesboro

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Jonesboro Car Insurance

^$ 56

/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 Jonesboro

The car insurance rate in Jonesboro is $1601 for a six-month policy, which is $548 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $568, making it a popular choice for budget-conscious drivers. Rates in Jonesboro 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 Jonesboro

$1601

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Jonesboro

1st place: Country Financial

At $568 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 $749 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 $1102 for six months, making it the third cheapest auto insurance company in Jonesboro.

Jonesboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jonesboro, GA is Country Financial, offering policies at just $568 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $749.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2573 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jonesboro drivers find the best deals.

Cheap Car Insurance Companies in Jonesboro, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$568	$94
Auto-Owners Insurance Co	$749	$128
Georgia Farm Bureau	$1102	$184
Farm Bureau	$1210	$205
Auto-Owners	$1698	$286
USAA	$1698	$286
Progressive	$1751	$295
Mercury	$2023	$344
Allstate	$2067	$348
Esurance P&C Ins Co	$2177	$369
State Farm	$2573	$433

Key Takeaways

Way's key takeaways about car insurance in Jonesboro

The auto insurance costs in Jonesboro fall around $568 for six months.
The cheapest auto insurance company in Jonesboro is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Jonesboro at $1543 per month.

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Cheapest Minimum Liability Car Insurance in Jonesboro

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 Jonesboro are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Jonesboro. Their Average 6 Month Premium is $334. State Farm is the most expensive at $1183 for the same period.

Cheapest Liability Coverage in Jonesboro, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$56
Georgia Farm Bureau	$451	$76
Farm Bureau	$497	$85
Mercury	$541	$91
Auto-Owners	$559	$94
Country Financial	$578	$97
USAA	$623	$105
Progressive	$632	$106
Central Insurance	$704	$120
Allstate	$1020	$170
State Farm	$1183	$199

Cheapest Full Coverage Car Insurance in Jonesboro

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 Jonesboro is Country Financial at $94 per month and $568 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jonesboro, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$568	$94
Auto-Owners Insurance Co	$749	$128
Georgia Farm Bureau	$1102	$184
Farm Bureau	$1210	$205
Auto-Owners	$1698	$286
USAA	$1698	$286
Progressive	$1751	$295
Mercury	$2023	$344
Allstate	$2067	$348
Esurance P&C Ins Co	$2177	$369
State Farm	$2573	$433

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Average Car Insurance in Jonesboro 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 Jonesboro, GA increasing?

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

Car Insurance Premiums by Age in Jonesboro

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 Jonesboro,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 Jonesboro at $79 per month. At $9164 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	$479	$79
Mercury	$568	$97
Country Financial	$678	$114
Central Insurance	$704	$120
USAA	$2807	$473
Georgia Farm Bureau	$3061	$520
Auto-Owners	$3250	$547
Farm Bureau	$3891	$661
Allstate	$7187	$1198
Progressive	$9164	$1543
State Farm	$9164	$1543

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 Jonesboro, Country Financial is the cheapest car insurance provider. At $470 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 Jonesboro is Allstate, offering rates of around $3846 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$470	$78
Mercury	$550	$94
Farm Bureau	$1210	$202
Progressive	$2294	$391
USAA	$2447	$407
Auto-Owners	$4460	$758
State Farm	$9842	$1640
Allstate	$3846	$641

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Car Insurance Rates with An Accident in Jonesboro

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

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

The cheapest car insurance companies after an at-fault accident in Jonesboro include AutoOwners Insurance Co and Country Financial, offering $497 and $768, respectively. State Farm is an expensive provider with an average six-month premium of $3151.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$497	$82
Country Financial	$768	$129
Encompass	$848	$141
Central Insurance	$930	$158
Farm Bureau	$1327	$222
Georgia Farm Bureau	$1354	$231
Auto-Owners	$1499	$252
USAA	$1526	$257
Progressive	$2177	$366
Allstate	$2880	$489
State Farm	$3151	$530

Jonesboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jonesboro GA. For example, the car insurance in Jonesboro after a DUI increases to $1643 for a six month policy. While the rate increases by $515 for a six-month policy in the case of a speeding ticket.

Jonesboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1932	$322
One Med/PIP claim	$1932	$328
One comp claim	$1941	$324
Two Med/PIP claims	$1941	$330
Not-at-fault accident	$1950	$325
Two comp claims	$1978	$336
Driving without lights	$2330	$388
Failure to wear a seat belt	$2330	$397
Child safety restraint	$2356	$392
Failure to show documents	$2356	$401
Cell phone violation	$2411	$401
Texting while driving	$2411	$410
Driving too slowly	$2447	$407
Speeding 6 - 10 MPH over limit	$2447	$416
Speeding in school zone	$2447	$407
Speeding 11 - 15 MPH over limit	$2456	$418
Driving with expired registration	$2465	$410
Failure to yield	$2465	$420
Following too closely	$2465	$410
Illegal turn	$2465	$420
Failure to stop at a red light	$2475	$412
Improper passing	$2475	$421
Speeding 16 - 20 MPH over limit	$2475	$412
Wrong way/wrong lane	$2475	$421
Speeding 21 - 25 MPH over limit	$2500	$416
Passing school bus	$2546	$433
In 65 MPH zone	$2555	$426
Open container	$2592	$441
At-fault accident - less than $1000	$2601	$433
Operating a vehicle without permission	$2636	$448
At-fault accident - $1000-$2000	$2835	$473
At-fault accident - greater than $2000	$2853	$485
Refusal to submit to a chemical test	$3341	$556
Reckless driving	$3440	$585
Racing	$3522	$587
Driving with a suspended license	$3531	$600
DUI	$3575	$596
Leaving scene of an accident/hit and run	$3666	$623

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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 Jonesboro 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 Jonesboro.

The cheapest car insurance premiums in Jonesboro are offered by Mercury at $578 for a six-month policy. However, it can be as expensive as $2926 with companies like State Farm.

Jonesboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$578	$99
Auto-Owners Insurance Co	$749	$125
Country Financial	$813	$137
Esurance P&C Ins Co	$1120	$187
Allstate	$1842	$313
Auto-Owners	$2014	$339
Georgia Farm Bureau	$2177	$369
Progressive	$2184	$368
USAA	$2221	$374
Farm Bureau	$2356	$392
State Farm	$2926	$492

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 Jonesboro are offered by AutoOwners Insurance Co at $388. However, it can be as expensive as $2601 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jonesboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$388	$65
Country Financial	$424	$71
Mercury	$605	$100
Farm Bureau	$1327	$225
USAA	$1670	$278
Auto-Owners	$1716	$292
Progressive	$1806	$301
State Farm	$2763	$470
Allstate	$2601	$433

Car Insurance Price Trends in Jonesboro, Georgia

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

The average cost of full coverage in the Jonesboro dipped by $325 in January compared to $342 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Jonesboro dipped to $108 in January, compared to $109 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Jonesboro?

The car insurance in Jonesboro is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Jonesboro?

The cheapest car insurance in Jonesboro is $94 per month for full coverage.

How much is car insurance in Jonesboro for teenagers?

Car insurance for teenagers costs $479 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 Jonesboro?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $269 per month to insure your car in Jonesboro.

Is car insurance expensive in Jonesboro?

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

Cheapest Car Insurance Quotes in Jonesboro

Why you can trust Way?

How Much Is Car Insurance in Jonesboro

Avg. Car Insurance in Jonesboro

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Jonesboro

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Jonesboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Jonesboro, GA

Way's key takeaways about car insurance in Jonesboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jonesboro

Cheapest Liability Coverage in Jonesboro, GA

Cheapest Full Coverage Car Insurance in Jonesboro

Cheapest Full Coverage Car Insurance Quotes in Jonesboro, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jonesboro by Rating Factor

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

Car Insurance Premiums by Age in Jonesboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jonesboro,GA

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

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 Jonesboro

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

Jonesboro Car Insurance Rates by Violation

Jonesboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jonesboro after a DUI

Jonesboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jonesboro after Speeding ticket

Car Insurance Price Trends in Jonesboro, Georgia

Average Car Insurance Cost in Jonesboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jonesboro, GA

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

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