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Finding the cheapest car insurance quotes in North Metro 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.
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 North Metro
The car insurance rate in North Metro is $1516 for a six-month policy, which is $463 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in North Metro 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.
At $539 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 $710 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 $1044
for six months, making it
the third cheapest auto insurance company in North Metro.
North Metro Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in North Metro, GA is Country Financial, offering policies at just $539 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $710.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2438 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Metro drivers find the best deals.
Way's key takeaways about car insurance in North Metro
The auto insurance costs in North Metro fall around $539 for six
months.
The cheapest auto insurance company in North Metro is AutoOwners Insurance Co.
Teen drivers pay the highest rate in North Metro at $1462 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in North Metro
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 North Metro are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in North Metro. Their Average 6 Month Premium is $317.
State Farm is the most
expensive at $1120 for the same
period.
Cheapest Full Coverage Car Insurance in North Metro
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 North Metro is Country Financial
at $89 per month and $539
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Metro,
GA
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Average Car Insurance in North Metro 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 North Metro, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in North Metro, 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, North Metro's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in North Metro
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
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Cheapest Car Insurance Rates for Teen Drivers in
North Metro,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 North Metro at $75
per
month. At $8682 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in North Metro.
As young drivers face the highest rates in North Metro, N/A
offers the cheapest auto insurance rates at $N/A 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 North Metro,
Country Financial is
the cheapest car insurance provider. At $445 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
North Metro is Allstate, offering
rates of around $3643 for six
months.
Save up to $971/yr on car insurance rates in North Metro.
Car Insurance Rates with An Accident in North Metro
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 North Metro, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in North Metro
The cheapest car insurance companies after an at-fault accident in
North Metro include AutoOwners Insurance Co
and Country Financial, offering $471
and $727,
respectively. State Farm is an expensive provider
with an average six-month premium of
$2985.
Here is a list of driving violations that can increase your car
insurance rates in North Metro GA. For example, the car
insurance in North Metro
after a DUI increases to $1557 for a six
month policy. While the rate increases by $488 for a six-month policy in the case of
a speeding ticket.
North Metro auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1830
$305
One Med/PIP claim
$1830
$311
One comp claim
$1839
$307
Two Med/PIP claims
$1839
$312
Not-at-fault accident
$1848
$308
Two comp claims
$1873
$318
Driving without lights
$2208
$367
Failure to wear a seat belt
$2208
$376
Child safety restraint
$2232
$372
Failure to show documents
$2232
$380
Cell phone violation
$2284
$380
Texting while driving
$2284
$389
Driving too slowly
$2318
$386
Speeding 6 - 10 MPH over limit
$2318
$395
Speeding in school zone
$2318
$386
Speeding 11 - 15 MPH over limit
$2327
$396
Driving with expired registration
$2336
$389
Failure to yield
$2336
$397
Following too closely
$2336
$389
Illegal turn
$2336
$397
Failure to stop at a red light
$2344
$390
Improper passing
$2344
$399
Speeding 16 - 20 MPH over limit
$2344
$390
Wrong way/wrong lane
$2344
$399
Speeding 21 - 25 MPH over limit
$2369
$395
Passing school bus
$2412
$410
In 65 MPH zone
$2421
$403
Open container
$2455
$418
At-fault accident - less than $1000
$2464
$410
Operating a vehicle without permission
$2497
$425
At-fault accident - $1000-$2000
$2686
$448
At-fault accident - greater than $2000
$2703
$459
Refusal to submit to a chemical test
$3165
$527
Reckless driving
$3259
$554
Racing
$3336
$556
Driving with a suspended license
$3345
$569
DUI
$3387
$564
Leaving scene of an accident/hit and run
$3473
$590
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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 North Metro 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 North Metro.
The cheapest car insurance premiums in
North Metro are
offered by Mercury at $547 for a six-month policy.
However, it can be as
expensive as $2772 with companies
like State Farm.
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 North Metro are offered by AutoOwners Insurance Co
at $367. However,
it can be as expensive as $2464
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in North Metro after Speeding ticket
Car Insurance Price Trends in North Metro,
Georgia
Car insurance rates in North Metro have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the North Metro dipped by
$308 in January
compared to $324 of December. In other words, there has been an decrease by $16 when you
compare January and December.
The average cost of liability insurance in the North Metro dipped to $102 in January,
compared to $104 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in North Metro by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
North Metro. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in North Metro?
The car insurance in North Metro is $53 per month, which is lower than the national average.
What is the cheapest car insurance in North Metro?
The cheapest car insurance in North Metro
is $89 per month
for full coverage.
How much is car insurance in North Metro for teenagers?
Car insurance for teenagers costs $454 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
North Metro?
The average cost of car insurance is $1053 for a six-month
policy. It will cost around $255 per month to insure your
car in North Metro.
Is car insurance expensive in North Metro?
Car insurance can be expensive in North Metro if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in North Metro can be
affordable.
What is the best car insurance in North Metro,
GA?
The best car insurance company in North Metro
GA is
Country Financial, offering $539 for a
six-month policy.
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Find Car Insurance Rates in Cities Near North Metro, GA
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North Metro Car Insurance
