Cheapest Car Insurance Quotes in McDonough

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McDonough Car Insurance

^$ 46

/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 McDonough

The car insurance rate in McDonough is $1272 for a six-month policy, which is $246 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in McDonough 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 McDonough

$1272

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in McDonough

1st place: Country Financial

At $464 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 $611 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 $817 for six months, making it the third cheapest auto insurance company in McDonough.

McDonough Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McDonough, GA is Country Financial, offering policies at just $464 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $611.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1782 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McDonough drivers find the best deals.

Cheap Car Insurance Companies in McDonough, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$464	$79
Auto-Owners Insurance Co	$611	$102
Farm Bureau	$817	$139
Georgia Farm Bureau	$899	$150
Auto-Owners	$1311	$221
USAA	$1355	$228
Progressive	$1598	$269
Mercury	$1650	$275
Allstate	$1738	$293
Esurance P&C Ins Co	$1776	$296
State Farm	$1782	$300

Key Takeaways

Way's key takeaways about car insurance in McDonough

The auto insurance costs in McDonough fall around $464 for six months.
The cheapest auto insurance company in McDonough is AutoOwners Insurance Co.
Teen drivers pay the highest rate in McDonough at $1525 per month.

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Cheapest Minimum Liability Car Insurance in McDonough

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 McDonough are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in McDonough. Their Average 6 Month Premium is $273. Allstate is the most expensive at $935 for the same period.

Cheapest Liability Coverage in McDonough, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$273	$46
Farm Bureau	$346	$58
Georgia Farm Bureau	$368	$62
Auto-Owners	$441	$74
Mercury	$441	$74
Country Financial	$471	$79
USAA	$494	$83
Progressive	$546	$92
Central Insurance	$574	$95
State Farm	$847	$143
Allstate	$935	$157

Cheapest Full Coverage Car Insurance in McDonough

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 McDonough is Country Financial at $79 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in McDonough, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$464	$79
Auto-Owners Insurance Co	$611	$102
Farm Bureau	$817	$139
Georgia Farm Bureau	$899	$150
Auto-Owners	$1311	$221
USAA	$1355	$228
Progressive	$1598	$269
Mercury	$1650	$275
Allstate	$1738	$293
Esurance P&C Ins Co	$1776	$296
State Farm	$1782	$300

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Average Car Insurance in McDonough 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 McDonough, GA increasing?

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

Car Insurance Premiums by Age in McDonough

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	$880
30s	Georgia Farm Bureau	$704
40s	Georgia Farm Bureau	$676
50s	Georgia Farm Bureau	$647
60s	Georgia Farm Bureau	$642
70s	Georgia Farm Bureau	$777

Cheapest Car Insurance Rates for Teen Drivers in McDonough,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 McDonough at $64 per month. At $9059 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	$391	$64
Mercury	$464	$79
Country Financial	$553	$93
Central Insurance	$574	$98
USAA	$2180	$367
Auto-Owners	$2394	$403
Georgia Farm Bureau	$2497	$417
Farm Bureau	$2608	$444
State Farm	$6459	$1087
Allstate	$6496	$1094
Progressive	$9059	$1525

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 McDonough.

As young drivers face the highest rates in McDonough, Georgia Farm Bureau offers the cheapest auto insurance rates at $880 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 McDonough, Country Financial is the cheapest car insurance provider. At $383 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 McDonough is State Farm, offering rates of around $5561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$383	$63
Mercury	$449	$77
Farm Bureau	$817	$136
USAA	$1776	$301
Progressive	$2740	$456
Auto-Owners	$2881	$490
Allstate	$3137	$523
State Farm	$5561	$946

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

Car Insurance Rates with An Accident in McDonough

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

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

The cheapest car insurance companies after an at-fault accident in McDonough include AutoOwners Insurance Co and Country Financial, offering $405 and $626, respectively. Allstate is an expensive provider with an average six-month premium of $2666.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$405	$67
Country Financial	$626	$105
Encompass	$692	$115
Central Insurance	$759	$129
Farm Bureau	$899	$150
Georgia Farm Bureau	$1105	$188
Auto-Owners	$1120	$188
USAA	$1200	$202
Progressive	$2217	$373
State Farm	$2247	$378
Allstate	$2666	$449

McDonough Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McDonough GA. For example, the car insurance in McDonough after a DUI increases to $1340 for a six month policy. While the rate increases by $420 for a six-month policy in the case of a speeding ticket.

McDonough auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1576	$263
One Med/PIP claim	$1576	$268
One comp claim	$1583	$264
Two Med/PIP claims	$1583	$269
Not-at-fault accident	$1591	$265
Two comp claims	$1613	$274
Driving without lights	$1901	$316
Failure to wear a seat belt	$1901	$324
Child safety restraint	$1922	$320
Failure to show documents	$1922	$327
Cell phone violation	$1967	$327
Texting while driving	$1967	$335
Driving too slowly	$1996	$332
Speeding 6 - 10 MPH over limit	$1996	$340
Speeding in school zone	$1996	$332
Speeding 11 - 15 MPH over limit	$2004	$341
Driving with expired registration	$2011	$335
Failure to yield	$2011	$342
Following too closely	$2011	$335
Illegal turn	$2011	$342
Failure to stop at a red light	$2019	$336
Improper passing	$2019	$343
Speeding 16 - 20 MPH over limit	$2019	$336
Wrong way/wrong lane	$2019	$343
Speeding 21 - 25 MPH over limit	$2040	$340
Passing school bus	$2077	$353
In 65 MPH zone	$2084	$347
Open container	$2114	$360
At-fault accident - less than $1000	$2122	$353
Operating a vehicle without permission	$2150	$366
At-fault accident - $1000-$2000	$2313	$386
At-fault accident - greater than $2000	$2327	$396
Refusal to submit to a chemical test	$2726	$454
Reckless driving	$2806	$477
Racing	$2873	$479
Driving with a suspended license	$2881	$490
DUI	$2916	$486
Leaving scene of an accident/hit and run	$2991	$508

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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 McDonough 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 McDonough.

The cheapest car insurance premiums in McDonough are offered by Mercury at $471 for a six-month policy. However, it can be as expensive as $2122 with companies like Progressive.

McDonough car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$471	$81
Auto-Owners Insurance Co	$611	$102
Country Financial	$663	$112
Esurance P&C Ins Co	$914	$153
Auto-Owners	$1458	$246
Farm Bureau	$1583	$264
USAA	$1716	$289
Georgia Farm Bureau	$1776	$296
State Farm	$1922	$324
Allstate	$2032	$342
Progressive	$2122	$357

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 McDonough are offered by AutoOwners Insurance Co at $316. However, it can be as expensive as $2408 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in McDonough after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$316	$53
Country Financial	$346	$58
Mercury	$494	$84
Farm Bureau	$899	$150
Auto-Owners	$1097	$186
USAA	$1193	$198
State Farm	$1561	$265
Allstate	$2122	$353
Progressive	$2408	$409

Car Insurance Price Trends in McDonough, Georgia

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

The average cost of full coverage in the McDonough rose by $279 in December compared to $274 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 McDonough rose to $89 in December, compared to $84 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 McDonough?

The car insurance in McDonough is $46 per month, which is lower than the national average.

What is the cheapest car insurance in McDonough?

The cheapest car insurance in McDonough is $79 per month for full coverage.

How much is car insurance in McDonough for teenagers?

Car insurance for teenagers costs $391 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 McDonough?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $213 per month to insure your car in McDonough.

Is car insurance expensive in McDonough?

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

Cheapest Car Insurance Quotes in McDonough

Why you can trust Way?

How Much Is Car Insurance in McDonough

Avg. Car Insurance in McDonough

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in McDonough

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

McDonough Car Insurance Rates by Company

Cheap Car Insurance Companies in McDonough, GA

Way's key takeaways about car insurance in McDonough

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McDonough

Cheapest Liability Coverage in McDonough, GA

Cheapest Full Coverage Car Insurance in McDonough

Cheapest Full Coverage Car Insurance Quotes in McDonough, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McDonough by Rating Factor

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

Car Insurance Premiums by Age in McDonough

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McDonough,GA

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

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 McDonough

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

McDonough Car Insurance Rates by Violation

McDonough auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McDonough after a DUI

McDonough car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McDonough after Speeding ticket

Car Insurance Price Trends in McDonough, Georgia

Average Car Insurance Cost in McDonough by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McDonough, GA

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

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