Cheapest Car Insurance Quotes in Morrow

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406,175 Policies Sold

Morrow Car Insurance

^$ 57

/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 Morrow

The car insurance rate in Morrow is $1622 for a six-month policy, which is $569 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $576, making it a popular choice for budget-conscious drivers. Rates in Morrow 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 Morrow

$1622

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Morrow

1st place: Country Financial

At $576 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 $759 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 $1117 for six months, making it the third cheapest auto insurance company in Morrow.

Morrow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morrow, GA is Country Financial, offering policies at just $576 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $759.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2607 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morrow drivers find the best deals.

Cheap Car Insurance Companies in Morrow, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$576	$95
Auto-Owners Insurance Co	$759	$129
Georgia Farm Bureau	$1117	$186
Farm Bureau	$1226	$208
Auto-Owners	$1720	$290
USAA	$1720	$290
Progressive	$1774	$299
Mercury	$2050	$348
Allstate	$2094	$353
Esurance P&C Ins Co	$2205	$374
State Farm	$2607	$439

Key Takeaways

Way's key takeaways about car insurance in Morrow

The auto insurance costs in Morrow fall around $576 for six months.
The cheapest auto insurance company in Morrow is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Morrow at $1563 per month.

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

Cheapest Minimum Liability Car Insurance in Morrow

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 Morrow are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Morrow. Their Average 6 Month Premium is $339. State Farm is the most expensive at $1198 for the same period.

Cheapest Liability Coverage in Morrow, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$57
Georgia Farm Bureau	$457	$77
Farm Bureau	$504	$86
Mercury	$548	$92
Auto-Owners	$567	$95
Country Financial	$585	$99
USAA	$631	$106
Progressive	$641	$108
Central Insurance	$713	$122
Allstate	$1033	$172
State Farm	$1198	$202

Cheapest Full Coverage Car Insurance in Morrow

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 Morrow is Country Financial at $95 per month and $576 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morrow, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$576	$95
Auto-Owners Insurance Co	$759	$129
Georgia Farm Bureau	$1117	$186
Farm Bureau	$1226	$208
Auto-Owners	$1720	$290
USAA	$1720	$290
Progressive	$1774	$299
Mercury	$2050	$348
Allstate	$2094	$353
Esurance P&C Ins Co	$2205	$374
State Farm	$2607	$439

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Average Car Insurance in Morrow 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 Morrow, GA increasing?

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

Car Insurance Premiums by Age in Morrow

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 Morrow,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 Morrow at $80 per month. At $9285 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	$485	$80
Mercury	$576	$99
Country Financial	$687	$116
Central Insurance	$713	$122
USAA	$2844	$479
Georgia Farm Bureau	$3102	$527
Auto-Owners	$3293	$554
Farm Bureau	$3942	$670
Allstate	$7281	$1214
Progressive	$9285	$1563
State Farm	$9285	$1563

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 Morrow, Country Financial is the cheapest car insurance provider. At $476 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 Morrow is Allstate, offering rates of around $3896 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$476	$79
Mercury	$557	$95
Farm Bureau	$1226	$205
Progressive	$2324	$396
USAA	$2479	$413
Auto-Owners	$4518	$768
State Farm	$9972	$1662
Allstate	$3896	$650

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

Car Insurance Rates with An Accident in Morrow

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

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

The cheapest car insurance companies after an at-fault accident in Morrow include AutoOwners Insurance Co and Country Financial, offering $504 and $778, respectively. State Farm is an expensive provider with an average six-month premium of $3192.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$504	$83
Country Financial	$778	$131
Encompass	$859	$143
Central Insurance	$942	$160
Farm Bureau	$1344	$225
Georgia Farm Bureau	$1372	$234
Auto-Owners	$1518	$256
USAA	$1546	$260
Progressive	$2205	$371
Allstate	$2918	$496
State Farm	$3192	$537

Morrow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morrow GA. For example, the car insurance in Morrow after a DUI increases to $1665 for a six month policy. While the rate increases by $522 for a six-month policy in the case of a speeding ticket.

Morrow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1957	$326
One Med/PIP claim	$1957	$333
One comp claim	$1967	$328
Two Med/PIP claims	$1967	$334
Not-at-fault accident	$1976	$330
Two comp claims	$2004	$340
Driving without lights	$2361	$393
Failure to wear a seat belt	$2361	$402
Child safety restraint	$2387	$397
Failure to show documents	$2387	$407
Cell phone violation	$2442	$407
Texting while driving	$2442	$416
Driving too slowly	$2479	$413
Speeding 6 - 10 MPH over limit	$2479	$422
Speeding in school zone	$2479	$413
Speeding 11 - 15 MPH over limit	$2489	$424
Driving with expired registration	$2498	$416
Failure to yield	$2498	$425
Following too closely	$2498	$416
Illegal turn	$2498	$425
Failure to stop at a red light	$2507	$417
Improper passing	$2507	$427
Speeding 16 - 20 MPH over limit	$2507	$417
Wrong way/wrong lane	$2507	$427
Speeding 21 - 25 MPH over limit	$2533	$422
Passing school bus	$2580	$439
In 65 MPH zone	$2589	$431
Open container	$2626	$447
At-fault accident - less than $1000	$2635	$439
Operating a vehicle without permission	$2670	$454
At-fault accident - $1000-$2000	$2872	$479
At-fault accident - greater than $2000	$2891	$491
Refusal to submit to a chemical test	$3385	$564
Reckless driving	$3485	$593
Racing	$3568	$594
Driving with a suspended license	$3577	$608
DUI	$3622	$604
Leaving scene of an accident/hit and run	$3714	$631

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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 Morrow 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 Morrow.

The cheapest car insurance premiums in Morrow are offered by Mercury at $585 for a six-month policy. However, it can be as expensive as $2965 with companies like State Farm.

Morrow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$585	$100
Auto-Owners Insurance Co	$759	$126
Country Financial	$824	$139
Esurance P&C Ins Co	$1135	$189
Allstate	$1866	$317
Auto-Owners	$2041	$343
Georgia Farm Bureau	$2205	$374
Progressive	$2213	$373
USAA	$2250	$379
Farm Bureau	$2387	$397
State Farm	$2965	$499

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 Morrow are offered by AutoOwners Insurance Co at $393. However, it can be as expensive as $2635 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morrow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$393	$66
Country Financial	$430	$72
Mercury	$613	$102
Farm Bureau	$1344	$228
USAA	$1692	$282
Auto-Owners	$1739	$296
Progressive	$1830	$305
State Farm	$2800	$476
Allstate	$2635	$439

Car Insurance Price Trends in Morrow, Georgia

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

The average cost of full coverage in the Morrow dipped by $330 in January compared to $347 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 Morrow dipped to $109 in January, compared to $111 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 Morrow?

The car insurance in Morrow is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Morrow?

The cheapest car insurance in Morrow is $95 per month for full coverage.

How much is car insurance in Morrow for teenagers?

Car insurance for teenagers costs $485 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 Morrow?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $273 per month to insure your car in Morrow.

Is car insurance expensive in Morrow?

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

Cheapest Car Insurance Quotes in Morrow

Why you can trust Way?

How Much Is Car Insurance in Morrow

Avg. Car Insurance in Morrow

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Morrow

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Morrow Car Insurance Rates by Company

Cheap Car Insurance Companies in Morrow, GA

Way's key takeaways about car insurance in Morrow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morrow

Cheapest Liability Coverage in Morrow, GA

Cheapest Full Coverage Car Insurance in Morrow

Cheapest Full Coverage Car Insurance Quotes in Morrow, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morrow by Rating Factor

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

Car Insurance Premiums by Age in Morrow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morrow,GA

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

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 Morrow

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

Morrow Car Insurance Rates by Violation

Morrow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morrow after a DUI

Morrow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morrow after Speeding ticket

Car Insurance Price Trends in Morrow, Georgia

Average Car Insurance Cost in Morrow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morrow, GA

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

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