Cheapest Car Insurance Quotes in Panthersville

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Panthersville Car Insurance

^$ 61

/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 Panthersville

The car insurance rate in Panthersville is $1748 for a six-month policy, which is $695 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $621, making it a popular choice for budget-conscious drivers. Rates in Panthersville 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 Panthersville

$1748

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Panthersville

1st place: Country Financial

At $621 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 $818 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 $1204 for six months, making it the third cheapest auto insurance company in Panthersville.

Panthersville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Panthersville, GA is Country Financial, offering policies at just $621 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $818.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2810 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Panthersville drivers find the best deals.

Cheap Car Insurance Companies in Panthersville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$621	$103
Auto-Owners Insurance Co	$818	$139
Georgia Farm Bureau	$1204	$201
Farm Bureau	$1321	$224
Auto-Owners	$1854	$312
USAA	$1854	$312
Progressive	$1912	$322
Mercury	$2209	$375
Allstate	$2258	$380
Esurance P&C Ins Co	$2377	$403
State Farm	$2810	$473

Key Takeaways

Way's key takeaways about car insurance in Panthersville

The auto insurance costs in Panthersville fall around $621 for six months.
The cheapest auto insurance company in Panthersville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Panthersville at $1685 per month.

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

Cheapest Minimum Liability Car Insurance in Panthersville

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 Panthersville are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Panthersville. Their Average 6 Month Premium is $365. State Farm is the most expensive at $1291 for the same period.

Cheapest Liability Coverage in Panthersville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$61
Georgia Farm Bureau	$493	$83
Farm Bureau	$543	$93
Mercury	$591	$100
Auto-Owners	$611	$103
Country Financial	$631	$106
USAA	$681	$115
Progressive	$691	$116
Central Insurance	$769	$131
Allstate	$1114	$186
State Farm	$1291	$217

Cheapest Full Coverage Car Insurance in Panthersville

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 Panthersville is Country Financial at $103 per month and $621 for six months.

Cheapest Full Coverage Car Insurance Quotes in Panthersville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$621	$103
Auto-Owners Insurance Co	$818	$139
Georgia Farm Bureau	$1204	$201
Farm Bureau	$1321	$224
Auto-Owners	$1854	$312
USAA	$1854	$312
Progressive	$1912	$322
Mercury	$2209	$375
Allstate	$2258	$380
Esurance P&C Ins Co	$2377	$403
State Farm	$2810	$473

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Average Car Insurance in Panthersville 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 Panthersville, GA increasing?

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

Car Insurance Premiums by Age in Panthersville

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 Panthersville,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 Panthersville at $86 per month. At $10008 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	$523	$86
Mercury	$621	$106
Country Financial	$740	$125
Central Insurance	$769	$131
USAA	$3066	$516
Georgia Farm Bureau	$3343	$568
Auto-Owners	$3549	$598
Farm Bureau	$4250	$722
Allstate	$7848	$1308
Progressive	$10008	$1685
State Farm	$10008	$1685

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 Panthersville, Country Financial is the cheapest car insurance provider. At $513 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 Panthersville is Allstate, offering rates of around $4200 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$513	$85
Mercury	$601	$103
Farm Bureau	$1321	$221
Progressive	$2505	$427
USAA	$2673	$445
Auto-Owners	$4870	$828
State Farm	$10749	$1791
Allstate	$4200	$701

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Car Insurance Rates with An Accident in Panthersville

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

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

The cheapest car insurance companies after an at-fault accident in Panthersville include AutoOwners Insurance Co and Country Financial, offering $543 and $838, respectively. State Farm is an expensive provider with an average six-month premium of $3441.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$543	$90
Country Financial	$838	$141
Encompass	$926	$154
Central Insurance	$1016	$173
Farm Bureau	$1449	$242
Georgia Farm Bureau	$1479	$252
Auto-Owners	$1637	$276
USAA	$1667	$281
Progressive	$2377	$400
Allstate	$3146	$535
State Farm	$3441	$579

Panthersville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Panthersville GA. For example, the car insurance in Panthersville after a DUI increases to $1794 for a six month policy. While the rate increases by $563 for a six-month policy in the case of a speeding ticket.

Panthersville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2110	$352
One Med/PIP claim	$2110	$359
One comp claim	$2120	$354
Two Med/PIP claims	$2120	$360
Not-at-fault accident	$2130	$355
Two comp claims	$2160	$367
Driving without lights	$2545	$423
Failure to wear a seat belt	$2545	$433
Child safety restraint	$2573	$428
Failure to show documents	$2573	$438
Cell phone violation	$2633	$438
Texting while driving	$2633	$448
Driving too slowly	$2673	$445
Speeding 6 - 10 MPH over limit	$2673	$455
Speeding in school zone	$2673	$445
Speeding 11 - 15 MPH over limit	$2683	$457
Driving with expired registration	$2693	$448
Failure to yield	$2693	$458
Following too closely	$2693	$448
Illegal turn	$2693	$458
Failure to stop at a red light	$2702	$450
Improper passing	$2702	$460
Speeding 16 - 20 MPH over limit	$2702	$450
Wrong way/wrong lane	$2702	$460
Speeding 21 - 25 MPH over limit	$2731	$455
Passing school bus	$2781	$473
In 65 MPH zone	$2790	$465
Open container	$2830	$481
At-fault accident - less than $1000	$2840	$473
Operating a vehicle without permission	$2878	$490
At-fault accident - $1000-$2000	$3096	$516
At-fault accident - greater than $2000	$3116	$530
Refusal to submit to a chemical test	$3649	$608
Reckless driving	$3757	$639
Racing	$3846	$641
Driving with a suspended license	$3856	$656
DUI	$3904	$651
Leaving scene of an accident/hit and run	$4004	$681

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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 Panthersville 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 Panthersville.

The cheapest car insurance premiums in Panthersville are offered by Mercury at $631 for a six-month policy. However, it can be as expensive as $3196 with companies like State Farm.

Panthersville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$631	$108
Auto-Owners Insurance Co	$818	$136
Country Financial	$888	$149
Esurance P&C Ins Co	$1223	$204
Allstate	$2012	$342
Auto-Owners	$2200	$370
Georgia Farm Bureau	$2377	$403
Progressive	$2385	$402
USAA	$2425	$408
Farm Bureau	$2573	$428
State Farm	$3196	$538

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 Panthersville are offered by AutoOwners Insurance Co at $423. However, it can be as expensive as $2840 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Panthersville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$71
Country Financial	$463	$78
Mercury	$661	$110
Farm Bureau	$1449	$246
USAA	$1824	$304
Auto-Owners	$1874	$319
Progressive	$1972	$329
State Farm	$3018	$513
Allstate	$2840	$473

Car Insurance Price Trends in Panthersville, Georgia

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

The average cost of full coverage in the Panthersville dipped by $355 in January compared to $374 of December. In other words, there has been an decrease by $19 when you compare January and December.

The average cost of liability insurance in the Panthersville dipped to $118 in January, compared to $120 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 Panthersville?

The car insurance in Panthersville is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Panthersville?

The cheapest car insurance in Panthersville is $103 per month for full coverage.

How much is car insurance in Panthersville for teenagers?

Car insurance for teenagers costs $523 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 Panthersville?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $294 per month to insure your car in Panthersville.

Is car insurance expensive in Panthersville?

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

Cheapest Car Insurance Quotes in Panthersville

Why you can trust Way?

How Much Is Car Insurance in Panthersville

Avg. Car Insurance in Panthersville

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Panthersville

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Panthersville Car Insurance Rates by Company

Cheap Car Insurance Companies in Panthersville, GA

Way's key takeaways about car insurance in Panthersville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Panthersville

Cheapest Liability Coverage in Panthersville, GA

Cheapest Full Coverage Car Insurance in Panthersville

Cheapest Full Coverage Car Insurance Quotes in Panthersville, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Panthersville by Rating Factor

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

Car Insurance Premiums by Age in Panthersville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Panthersville,GA

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

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 Panthersville

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

Panthersville Car Insurance Rates by Violation

Panthersville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Panthersville after a DUI

Panthersville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Panthersville after Speeding ticket

Car Insurance Price Trends in Panthersville, Georgia

Average Car Insurance Cost in Panthersville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Panthersville, GA

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

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