Cheapest Car Insurance Quotes in Newnan

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Newnan Car Insurance

^$ 38

/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 Newnan

The car insurance rate in Newnan is $1085 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Newnan 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 Newnan

$1085

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Newnan

1st place: Country Financial

At $385 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 $508 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 $747 for six months, making it the third cheapest auto insurance company in Newnan.

Newnan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newnan, GA is Country Financial, offering policies at just $385 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $508.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1744 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newnan drivers find the best deals.

Cheap Car Insurance Companies in Newnan, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$385	$64
Auto-Owners Insurance Co	$508	$87
Georgia Farm Bureau	$747	$125
Farm Bureau	$820	$139
Auto-Owners	$1151	$194
USAA	$1151	$194
Progressive	$1187	$200
Mercury	$1371	$233
Allstate	$1401	$236
Esurance P&C Ins Co	$1475	$250
State Farm	$1744	$294

Key Takeaways

Way's key takeaways about car insurance in Newnan

The auto insurance costs in Newnan fall around $385 for six months.
The cheapest auto insurance company in Newnan is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Newnan at $1045 per month.

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Cheapest Minimum Liability Car Insurance in Newnan

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 Newnan are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Newnan. Their Average 6 Month Premium is $227. State Farm is the most expensive at $801 for the same period.

Cheapest Liability Coverage in Newnan, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Georgia Farm Bureau	$306	$52
Farm Bureau	$337	$58
Mercury	$367	$62
Auto-Owners	$379	$64
Country Financial	$391	$66
USAA	$422	$71
Progressive	$428	$72
Central Insurance	$477	$81
Allstate	$691	$115
State Farm	$801	$135

Cheapest Full Coverage Car Insurance in Newnan

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 Newnan is Country Financial at $64 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newnan, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$385	$64
Auto-Owners Insurance Co	$508	$87
Georgia Farm Bureau	$747	$125
Farm Bureau	$820	$139
Auto-Owners	$1151	$194
USAA	$1151	$194
Progressive	$1187	$200
Mercury	$1371	$233
Allstate	$1401	$236
Esurance P&C Ins Co	$1475	$250
State Farm	$1744	$294

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Average Car Insurance in Newnan 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 Newnan, GA increasing?

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

Car Insurance Premiums by Age in Newnan

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 Newnan,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 Newnan at $54 per month. At $6210 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	$324	$54
Mercury	$385	$66
Country Financial	$459	$77
Central Insurance	$477	$81
USAA	$1902	$320
Georgia Farm Bureau	$2074	$352
Auto-Owners	$2202	$371
Farm Bureau	$2637	$448
Allstate	$4870	$812
Progressive	$6210	$1045
State Farm	$6210	$1045

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 Newnan, Country Financial is the cheapest car insurance provider. At $318 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 Newnan is Allstate, offering rates of around $2606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$318	$53
Mercury	$373	$64
Farm Bureau	$820	$137
Progressive	$1554	$265
USAA	$1658	$276
Auto-Owners	$3022	$514
State Farm	$6669	$1111
Allstate	$2606	$435

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Car Insurance Rates with An Accident in Newnan

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

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

The cheapest car insurance companies after an at-fault accident in Newnan include AutoOwners Insurance Co and Country Financial, offering $337 and $520, respectively. State Farm is an expensive provider with an average six-month premium of $2135.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$337	$56
Country Financial	$520	$88
Encompass	$575	$96
Central Insurance	$630	$107
Farm Bureau	$899	$150
Georgia Farm Bureau	$918	$157
Auto-Owners	$1016	$171
USAA	$1034	$174
Progressive	$1475	$248
Allstate	$1952	$332
State Farm	$2135	$359

Newnan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newnan GA. For example, the car insurance in Newnan after a DUI increases to $1114 for a six month policy. While the rate increases by $349 for a six-month policy in the case of a speeding ticket.

Newnan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1309	$222
One comp claim	$1315	$219
Two Med/PIP claims	$1315	$224
Not-at-fault accident	$1321	$220
Two comp claims	$1340	$228
Driving without lights	$1579	$263
Failure to wear a seat belt	$1579	$269
Child safety restraint	$1597	$266
Failure to show documents	$1597	$272
Cell phone violation	$1634	$272
Texting while driving	$1634	$278
Driving too slowly	$1658	$276
Speeding 6 - 10 MPH over limit	$1658	$282
Speeding in school zone	$1658	$276
Speeding 11 - 15 MPH over limit	$1664	$283
Driving with expired registration	$1671	$278
Failure to yield	$1671	$284
Following too closely	$1671	$278
Illegal turn	$1671	$284
Failure to stop at a red light	$1677	$279
Improper passing	$1677	$285
Speeding 16 - 20 MPH over limit	$1677	$279
Wrong way/wrong lane	$1677	$285
Speeding 21 - 25 MPH over limit	$1694	$282
Passing school bus	$1725	$294
In 65 MPH zone	$1731	$288
Open container	$1756	$299
At-fault accident - less than $1000	$1762	$294
Operating a vehicle without permission	$1786	$304
At-fault accident - $1000-$2000	$1921	$320
At-fault accident - greater than $2000	$1933	$329
Refusal to submit to a chemical test	$2264	$377
Reckless driving	$2331	$397
Racing	$2387	$398
Driving with a suspended license	$2393	$407
DUI	$2423	$404
Leaving scene of an accident/hit and run	$2484	$422

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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 Newnan 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 Newnan.

The cheapest car insurance premiums in Newnan are offered by Mercury at $391 for a six-month policy. However, it can be as expensive as $1983 with companies like State Farm.

Newnan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$391	$67
Auto-Owners Insurance Co	$508	$84
Country Financial	$551	$93
Esurance P&C Ins Co	$759	$127
Allstate	$1248	$212
Auto-Owners	$1365	$230
Georgia Farm Bureau	$1475	$250
Progressive	$1480	$249
USAA	$1505	$253
Farm Bureau	$1597	$266
State Farm	$1983	$334

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 Newnan are offered by AutoOwners Insurance Co at $263. However, it can be as expensive as $1762 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Newnan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$263	$44
Country Financial	$287	$48
Mercury	$410	$68
Farm Bureau	$899	$152
USAA	$1132	$188
Auto-Owners	$1163	$198
Progressive	$1224	$204
State Farm	$1873	$318
Allstate	$1762	$294

Car Insurance Price Trends in Newnan, Georgia

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

The average cost of full coverage in the Newnan dipped by $220 in January compared to $232 of December. In other words, there has been an decrease by $12 when you compare January and December.

The average cost of liability insurance in the Newnan dipped to $73 in January, compared to $74 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 Newnan?

The car insurance in Newnan is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Newnan?

The cheapest car insurance in Newnan is $64 per month for full coverage.

How much is car insurance in Newnan for teenagers?

Car insurance for teenagers costs $324 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 Newnan?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $182 per month to insure your car in Newnan.

Is car insurance expensive in Newnan?

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

Cheapest Car Insurance Quotes in Newnan

Why you can trust Way?

How Much Is Car Insurance in Newnan

Avg. Car Insurance in Newnan

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Newnan

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Newnan Car Insurance Rates by Company

Cheap Car Insurance Companies in Newnan, GA

Way's key takeaways about car insurance in Newnan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newnan

Cheapest Liability Coverage in Newnan, GA

Cheapest Full Coverage Car Insurance in Newnan

Cheapest Full Coverage Car Insurance Quotes in Newnan, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newnan by Rating Factor

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

Car Insurance Premiums by Age in Newnan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newnan,GA

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

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 Newnan

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

Newnan Car Insurance Rates by Violation

Newnan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newnan after a DUI

Newnan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newnan after Speeding ticket

Car Insurance Price Trends in Newnan, Georgia

Average Car Insurance Cost in Newnan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newnan, GA

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

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Data Sources