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Cheapest Car Insurance Quotes in Moody Air Force Base

  • Finding the cheapest car insurance quotes in Moody Air Force Base shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
  • We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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399,755 Policies Sold
Moody Air Force Base Car Insurance
$ 29

/mo

Sara Sam
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.

How Much Is Car Insurance in Moody Air Force Base

The car insurance rate in Moody Air Force Base is $811 for a six-month policy, which is $215 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $295, making it a popular choice for budget-conscious drivers. Rates in Moody Air Force Base 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 Moody Air Force Base

$811

National Average

$1140

Cheapest Car Insurance Companies in Moody Air Force Base

1st place: Country Financial

At $295 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 $389 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 $521 for six months, making it the third cheapest auto insurance company in Moody Air Force Base.

Moody Air Force Base Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moody Air Force Base, GA is Country Financial, offering policies at just $295 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $389.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1135 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moody Air Force Base drivers find the best deals.

Cheap Car Insurance Companies in Moody Air Force Base, GA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Country Financial $295 $51
Auto-Owners Insurance Co $389 $65
Farm Bureau $521 $88
Georgia Farm Bureau $573 $96
Auto-Owners $835 $141
USAA $863 $145
Progressive $1018 $171
Mercury $1051 $175
Allstate $1108 $186
Esurance P&C Ins Co $1131 $189
State Farm $1135 $191
Key Takeaways

Way's key takeaways about car insurance in Moody Air Force Base

  • The auto insurance costs in Moody Air Force Base fall around $295 for six months. 
  • The cheapest auto insurance company in Moody Air Force Base is AutoOwners Insurance Co.
  • Teen drivers pay the highest rate in Moody Air Force Base at $972 per month.

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Cheapest Minimum Liability Car Insurance in Moody Air Force Base

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 Moody Air Force Base are given below. 

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Moody Air Force Base. Their Average 6 Month Premium is $174. Allstate is the most expensive at $596 for the same period. 

Cheapest Liability Coverage in Moody Air Force Base, GA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $174 $29
Farm Bureau $220 $37
Georgia Farm Bureau $235 $40
Auto-Owners $281 $47
Mercury $281 $47
Country Financial $300 $51
USAA $314 $53
Progressive $348 $58
Central Insurance $366 $61
State Farm $540 $91
Allstate $596 $100

Cheapest Full Coverage Car Insurance in Moody Air Force Base

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 Moody Air Force Base is Country Financial at $51 per month and $295 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Moody Air Force Base, GA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Country Financial $295 $51
Auto-Owners Insurance Co $389 $65
Farm Bureau $521 $88
Georgia Farm Bureau $573 $96
Auto-Owners $835 $141
USAA $863 $145
Progressive $1018 $171
Mercury $1051 $175
Allstate $1108 $186
Esurance P&C Ins Co $1131 $189
State Farm $1135 $191

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Average Car Insurance in Moody Air Force Base 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 Moody Air Force Base, GA increasing?

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

Car Insurance Premiums by Age in Moody Air Force Base

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 $561
30s Georgia Farm Bureau $449
40s Georgia Farm Bureau $431
50s Georgia Farm Bureau $412
60s Georgia Farm Bureau $409
70s Georgia Farm Bureau $495

Cheapest Car Insurance Rates for Teen Drivers in Moody Air Force Base,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 Moody Air Force Base at $41 per month. At $5772 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 $249 $41
Mercury $295 $51
Country Financial $352 $59
Central Insurance $366 $62
USAA $1389 $234
Auto-Owners $1525 $257
Georgia Farm Bureau $1591 $265
Farm Bureau $1661 $283
State Farm $4115 $693
Allstate $4139 $697
Progressive $5772 $972

Teen Car Insurance Rates in GA by Age

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Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Moody Air Force Base.

As young drivers face the highest rates in Moody Air Force Base, Georgia Farm Bureau offers the cheapest auto insurance rates at $561 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 Moody Air Force Base, Country Financial is the cheapest car insurance provider. At $244 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 Moody Air Force Base is State Farm, offering rates of around $3543 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Country Financial $244 $40
Mercury $286 $49
Farm Bureau $521 $87
USAA $1131 $192
Progressive $1746 $291
Auto-Owners $1835 $312
Allstate $1999 $333
State Farm $3543 $603

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Car Insurance Rates with An Accident in Moody Air Force Base

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 Moody Air Force Base, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Moody Air Force Base

The cheapest car insurance companies after an at-fault accident in Moody Air Force Base include AutoOwners Insurance Co and Country Financial, offering $258 and $399, respectively. Allstate is an expensive provider with an average six-month premium of $1699.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $258 $43
Country Financial $399 $67
Encompass $441 $73
Central Insurance $483 $82
Farm Bureau $573 $96
Georgia Farm Bureau $704 $120
Auto-Owners $713 $120
USAA $765 $129
Progressive $1413 $238
State Farm $1431 $241
Allstate $1699 $286

Moody Air Force Base Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moody Air Force Base GA. For example, the car insurance in Moody Air Force Base after a DUI increases to $854 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.  

Moody Air Force Base auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $1004 $167
One Med/PIP claim $1004 $171
One comp claim $1009 $168
Two Med/PIP claims $1009 $171
Not-at-fault accident $1014 $169
Two comp claims $1028 $175
Driving without lights $1211 $201
Failure to wear a seat belt $1211 $206
Child safety restraint $1225 $204
Failure to show documents $1225 $209
Cell phone violation $1253 $209
Texting while driving $1253 $213
Driving too slowly $1272 $212
Speeding 6 - 10 MPH over limit $1272 $216
Speeding in school zone $1272 $212
Speeding 11 - 15 MPH over limit $1277 $217
Driving with expired registration $1281 $213
Failure to yield $1281 $218
Following too closely $1281 $213
Illegal turn $1281 $218
Failure to stop at a red light $1286 $214
Improper passing $1286 $219
Speeding 16 - 20 MPH over limit $1286 $214
Wrong way/wrong lane $1286 $219
Speeding 21 - 25 MPH over limit $1300 $216
Passing school bus $1323 $225
In 65 MPH zone $1328 $221
Open container $1347 $229
At-fault accident - less than $1000 $1352 $225
Operating a vehicle without permission $1370 $233
At-fault accident - $1000-$2000 $1473 $246
At-fault accident - greater than $2000 $1483 $252
Refusal to submit to a chemical test $1736 $289
Reckless driving $1788 $304
Racing $1830 $305
Driving with a suspended license $1835 $312
DUI $1858 $310
Leaving scene of an accident/hit and run $1905 $324

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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 Moody Air Force Base 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 Moody Air Force Base.

The cheapest car insurance premiums in Moody Air Force Base are offered by Mercury at $300 for a six-month policy. However, it can be as expensive as $1352 with companies like Progressive.

Moody Air Force Base car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $300 $51
Auto-Owners Insurance Co $389 $65
Country Financial $423 $71
Esurance P&C Ins Co $582 $97
Auto-Owners $929 $156
Farm Bureau $1009 $168
USAA $1093 $184
Georgia Farm Bureau $1131 $189
State Farm $1225 $206
Allstate $1295 $218
Progressive $1352 $228

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 Moody Air Force Base are offered by AutoOwners Insurance Co at $201. However, it can be as expensive as $1534 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Moody Air Force Base after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $201 $34
Country Financial $220 $37
Mercury $314 $54
Farm Bureau $573 $96
Auto-Owners $699 $119
USAA $760 $126
State Farm $995 $169
Allstate $1352 $225
Progressive $1534 $261

Car Insurance Price Trends in Moody Air Force Base, Georgia

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

The average cost of full coverage in the Moody Air Force Base rose by $178 in December compared to $175 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Moody Air Force Base rose to $57 in December, compared to $54 in November. This represents an increase of $3 when comparing December and November.


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Frequently Asked Questions

How much is car insurance in Moody Air Force Base?

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The car insurance in Moody Air Force Base is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Moody Air Force Base?

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The cheapest car insurance in Moody Air Force Base is $51 per month for full coverage.

How much is car insurance in Moody Air Force Base for teenagers?

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Car insurance for teenagers costs $249 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 Moody Air Force Base?

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The average cost of car insurance is $1026 for a six-month policy. It will cost around $136 per month to insure your car in Moody Air Force Base.

Is car insurance expensive in Moody Air Force Base?

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

What is the best car insurance in Moody Air Force Base, GA?

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The best car insurance company in Moody Air Force Base GA is Country Financial, offering $295 for a six-month policy.

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Data Sources