Cheapest Car Insurance Quotes in Locust Grove

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Locust Grove Car Insurance

^$ 45

/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 Locust Grove

The car insurance rate in Locust Grove is $1241 for a six-month policy, which is $215 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $453, making it a popular choice for budget-conscious drivers. Rates in Locust Grove 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 Locust Grove

$1241

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Locust Grove

1st place: Country Financial

At $453 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 $597 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 $797 for six months, making it the third cheapest auto insurance company in Locust Grove.

Locust Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Locust Grove, GA is Country Financial, offering policies at just $453 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $597.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1739 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Locust Grove drivers find the best deals.

Cheap Car Insurance Companies in Locust Grove, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$453	$77
Auto-Owners Insurance Co	$597	$99
Farm Bureau	$797	$136
Georgia Farm Bureau	$877	$146
Auto-Owners	$1279	$215
USAA	$1323	$223
Progressive	$1560	$263
Mercury	$1611	$269
Allstate	$1696	$286
Esurance P&C Ins Co	$1733	$289
State Farm	$1739	$293

Key Takeaways

Way's key takeaways about car insurance in Locust Grove

The auto insurance costs in Locust Grove fall around $453 for six months.
The cheapest auto insurance company in Locust Grove is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Locust Grove at $1488 per month.

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

Cheapest Minimum Liability Car Insurance in Locust Grove

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 Locust Grove are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Locust Grove. Their Average 6 Month Premium is $266. Allstate is the most expensive at $912 for the same period.

Cheapest Liability Coverage in Locust Grove, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$266	$45
Farm Bureau	$338	$57
Georgia Farm Bureau	$359	$61
Auto-Owners	$431	$73
Mercury	$431	$73
Country Financial	$460	$77
USAA	$482	$81
Progressive	$532	$90
Central Insurance	$560	$93
State Farm	$826	$139
Allstate	$912	$154

Cheapest Full Coverage Car Insurance in Locust Grove

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 Locust Grove is Country Financial at $77 per month and $453 for six months.

Cheapest Full Coverage Car Insurance Quotes in Locust Grove, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$453	$77
Auto-Owners Insurance Co	$597	$99
Farm Bureau	$797	$136
Georgia Farm Bureau	$877	$146
Auto-Owners	$1279	$215
USAA	$1323	$223
Progressive	$1560	$263
Mercury	$1611	$269
Allstate	$1696	$286
Esurance P&C Ins Co	$1733	$289
State Farm	$1739	$293

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Average Car Insurance in Locust Grove 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 Locust Grove, GA increasing?

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

Car Insurance Premiums by Age in Locust Grove

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	$859
30s	Georgia Farm Bureau	$687
40s	Georgia Farm Bureau	$659
50s	Georgia Farm Bureau	$632
60s	Georgia Farm Bureau	$627
70s	Georgia Farm Bureau	$759

Cheapest Car Insurance Rates for Teen Drivers in Locust Grove,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 Locust Grove at $63 per month. At $8840 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	$381	$63
Mercury	$453	$77
Country Financial	$540	$91
Central Insurance	$560	$96
USAA	$2127	$358
Auto-Owners	$2337	$393
Georgia Farm Bureau	$2437	$407
Farm Bureau	$2545	$433
State Farm	$6303	$1061
Allstate	$6339	$1067
Progressive	$8840	$1488

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 Locust Grove.

As young drivers face the highest rates in Locust Grove, Georgia Farm Bureau offers the cheapest auto insurance rates at $859 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 Locust Grove, Country Financial is the cheapest car insurance provider. At $374 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 Locust Grove is State Farm, offering rates of around $5427 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$374	$62
Mercury	$438	$75
Farm Bureau	$797	$133
USAA	$1733	$294
Progressive	$2674	$445
Auto-Owners	$2811	$478
Allstate	$3061	$511
State Farm	$5427	$923

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Save up to $971/yr on car insurance rates in Locust Grove.

Car Insurance Rates with An Accident in Locust Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Locust Grove

The cheapest car insurance companies after an at-fault accident in Locust Grove include AutoOwners Insurance Co and Country Financial, offering $396 and $611, respectively. Allstate is an expensive provider with an average six-month premium of $2602.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$396	$65
Country Financial	$611	$103
Encompass	$675	$113
Central Insurance	$741	$126
Farm Bureau	$877	$146
Georgia Farm Bureau	$1078	$184
Auto-Owners	$1093	$184
USAA	$1171	$197
Progressive	$2163	$364
State Farm	$2193	$369
Allstate	$2602	$438

Locust Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Locust Grove GA. For example, the car insurance in Locust Grove after a DUI increases to $1308 for a six month policy. While the rate increases by $410 for a six-month policy in the case of a speeding ticket.

Locust Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1538	$257
One Med/PIP claim	$1538	$261
One comp claim	$1545	$258
Two Med/PIP claims	$1545	$263
Not-at-fault accident	$1552	$259
Two comp claims	$1574	$267
Driving without lights	$1855	$309
Failure to wear a seat belt	$1855	$316
Child safety restraint	$1876	$312
Failure to show documents	$1876	$319
Cell phone violation	$1919	$319
Texting while driving	$1919	$327
Driving too slowly	$1948	$324
Speeding 6 - 10 MPH over limit	$1948	$332
Speeding in school zone	$1948	$324
Speeding 11 - 15 MPH over limit	$1955	$333
Driving with expired registration	$1963	$327
Failure to yield	$1963	$334
Following too closely	$1963	$327
Illegal turn	$1963	$334
Failure to stop at a red light	$1970	$328
Improper passing	$1970	$335
Speeding 16 - 20 MPH over limit	$1970	$328
Wrong way/wrong lane	$1970	$335
Speeding 21 - 25 MPH over limit	$1990	$332
Passing school bus	$2027	$345
In 65 MPH zone	$2034	$339
Open container	$2063	$351
At-fault accident - less than $1000	$2070	$345
Operating a vehicle without permission	$2098	$357
At-fault accident - $1000-$2000	$2257	$376
At-fault accident - greater than $2000	$2271	$386
Refusal to submit to a chemical test	$2660	$443
Reckless driving	$2738	$466
Racing	$2804	$467
Driving with a suspended license	$2811	$478
DUI	$2846	$474
Leaving scene of an accident/hit and run	$2919	$496

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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 Locust Grove 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 Locust Grove.

The cheapest car insurance premiums in Locust Grove are offered by Mercury at $460 for a six-month policy. However, it can be as expensive as $2070 with companies like Progressive.

Locust Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$460	$79
Auto-Owners Insurance Co	$597	$99
Country Financial	$647	$109
Esurance P&C Ins Co	$892	$149
Auto-Owners	$1423	$240
Farm Bureau	$1545	$258
USAA	$1675	$282
Georgia Farm Bureau	$1733	$289
State Farm	$1876	$316
Allstate	$1983	$334
Progressive	$2070	$348

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 Locust Grove are offered by AutoOwners Insurance Co at $309. However, it can be as expensive as $2350 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Locust Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$52
Country Financial	$338	$57
Mercury	$482	$82
Farm Bureau	$877	$146
Auto-Owners	$1071	$182
USAA	$1164	$194
State Farm	$1523	$259
Allstate	$2070	$345
Progressive	$2350	$399

Car Insurance Price Trends in Locust Grove, Georgia

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

The average cost of full coverage in the Locust Grove rose by $272 in December compared to $267 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Locust Grove rose to $87 in December, compared to $82 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Locust Grove?

The car insurance in Locust Grove is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Locust Grove?

The cheapest car insurance in Locust Grove is $77 per month for full coverage.

How much is car insurance in Locust Grove for teenagers?

Car insurance for teenagers costs $381 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 Locust Grove?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $208 per month to insure your car in Locust Grove.

Is car insurance expensive in Locust Grove?

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

Cheapest Car Insurance Quotes in Locust Grove

Why you can trust Way?

How Much Is Car Insurance in Locust Grove

Avg. Car Insurance in Locust Grove

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Locust Grove

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Locust Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Locust Grove, GA

Way's key takeaways about car insurance in Locust Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Locust Grove

Cheapest Liability Coverage in Locust Grove, GA

Cheapest Full Coverage Car Insurance in Locust Grove

Cheapest Full Coverage Car Insurance Quotes in Locust Grove, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Locust Grove by Rating Factor

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

Car Insurance Premiums by Age in Locust Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Locust Grove,GA

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

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 Locust Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Locust Grove

Locust Grove Car Insurance Rates by Violation

Locust Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Locust Grove after a DUI

Locust Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Locust Grove after Speeding ticket

Car Insurance Price Trends in Locust Grove, Georgia

Average Car Insurance Cost in Locust Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Locust Grove, GA

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

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