Cheapest Car Insurance Quotes in Panthersville

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Panthersville Car Insurance

^$ 58

/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 $1621 for a six-month policy, which is $595 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, 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

$1621

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Panthersville

1st place: Country Financial

At $591 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 $779 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 $1041 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 $591 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $779.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2270 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	$591	$101
Auto-Owners Insurance Co	$779	$130
Farm Bureau	$1041	$177
Georgia Farm Bureau	$1146	$191
Auto-Owners	$1670	$281
USAA	$1727	$291
Progressive	$2037	$343
Mercury	$2103	$351
Allstate	$2215	$373
Esurance P&C Ins Co	$2263	$378
State Farm	$2270	$382

Key Takeaways

Way's key takeaways about car insurance in Panthersville

The auto insurance costs in Panthersville fall around $591 for six months.
The cheapest auto insurance company in Panthersville is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Panthersville at $1943 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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 $348. Allstate is the most expensive at $1191 for the same period.

Cheapest Liability Coverage in Panthersville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$348	$58
Farm Bureau	$441	$74
Georgia Farm Bureau	$469	$79
Auto-Owners	$562	$95
Mercury	$562	$95
Country Financial	$600	$101
USAA	$629	$106
Progressive	$695	$117
Central Insurance	$732	$122
State Farm	$1079	$182
Allstate	$1191	$201

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 $101 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Panthersville, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$591	$101
Auto-Owners Insurance Co	$779	$130
Farm Bureau	$1041	$177
Georgia Farm Bureau	$1146	$191
Auto-Owners	$1670	$281
USAA	$1727	$291
Progressive	$2037	$343
Mercury	$2103	$351
Allstate	$2215	$373
Esurance P&C Ins Co	$2263	$378
State Farm	$2270	$382

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1122
30s	Georgia Farm Bureau	$897
40s	Georgia Farm Bureau	$861
50s	Georgia Farm Bureau	$825
60s	Georgia Farm Bureau	$818
70s	Georgia Farm Bureau	$991

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 $82 per month. At $11543 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	$498	$82
Mercury	$591	$101
Country Financial	$705	$119
Central Insurance	$732	$125
USAA	$2778	$468
Auto-Owners	$3051	$514
Georgia Farm Bureau	$3182	$531
Farm Bureau	$3323	$566
State Farm	$8230	$1386
Allstate	$8278	$1394
Progressive	$11543	$1943

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Panthersville.

As young drivers face the highest rates in Panthersville, Georgia Farm Bureau offers the cheapest auto insurance rates at $1122 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 Panthersville, Country Financial is the cheapest car insurance provider. At $488 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 State Farm, offering rates of around $7086 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$488	$81
Mercury	$572	$98
Farm Bureau	$1041	$174
USAA	$2263	$384
Progressive	$3492	$581
Auto-Owners	$3670	$624
Allstate	$3997	$667
State Farm	$7086	$1206

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

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 $517 and $798, respectively. Allstate is an expensive provider with an average six-month premium of $3397.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$517	$85
Country Financial	$798	$134
Encompass	$882	$147
Central Insurance	$967	$164
Farm Bureau	$1146	$191
Georgia Farm Bureau	$1408	$240
Auto-Owners	$1427	$240
USAA	$1529	$258
Progressive	$2825	$476
State Farm	$2863	$482
Allstate	$3397	$572

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 $1708 for a six month policy. While the rate increases by $536 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	$2008	$335
One Med/PIP claim	$2008	$341
One comp claim	$2018	$337
Two Med/PIP claims	$2018	$343
Not-at-fault accident	$2027	$338
Two comp claims	$2056	$349
Driving without lights	$2422	$403
Failure to wear a seat belt	$2422	$412
Child safety restraint	$2449	$408
Failure to show documents	$2449	$417
Cell phone violation	$2506	$417
Texting while driving	$2506	$427
Driving too slowly	$2544	$423
Speeding 6 - 10 MPH over limit	$2544	$433
Speeding in school zone	$2544	$423
Speeding 11 - 15 MPH over limit	$2553	$435
Driving with expired registration	$2563	$427
Failure to yield	$2563	$436
Following too closely	$2563	$427
Illegal turn	$2563	$436
Failure to stop at a red light	$2572	$428
Improper passing	$2572	$438
Speeding 16 - 20 MPH over limit	$2572	$428
Wrong way/wrong lane	$2572	$438
Speeding 21 - 25 MPH over limit	$2599	$433
Passing school bus	$2647	$450
In 65 MPH zone	$2656	$442
Open container	$2694	$458
At-fault accident - less than $1000	$2703	$450
Operating a vehicle without permission	$2740	$466
At-fault accident - $1000-$2000	$2947	$491
At-fault accident - greater than $2000	$2966	$504
Refusal to submit to a chemical test	$3473	$578
Reckless driving	$3576	$608
Racing	$3661	$610
Driving with a suspended license	$3670	$624
DUI	$3716	$619
Leaving scene of an accident/hit and run	$3811	$648

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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 $600 for a six-month policy. However, it can be as expensive as $2703 with companies like Progressive.

Panthersville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$600	$103
Auto-Owners Insurance Co	$779	$130
Country Financial	$845	$142
Esurance P&C Ins Co	$1164	$194
Auto-Owners	$1858	$313
Farm Bureau	$2018	$337
USAA	$2187	$368
Georgia Farm Bureau	$2263	$378
State Farm	$2449	$412
Allstate	$2590	$436
Progressive	$2703	$455

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 $403. However, it can be as expensive as $3068 with companies like Progressive 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	$403	$68
Country Financial	$441	$74
Mercury	$629	$107
Farm Bureau	$1146	$191
Auto-Owners	$1398	$237
USAA	$1520	$253
State Farm	$1989	$338
Allstate	$2703	$450
Progressive	$3068	$521

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 rose by $356 in December compared to $349 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Panthersville rose to $114 in December, compared to $107 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Panthersville?

The car insurance in Panthersville is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Panthersville?

The cheapest car insurance in Panthersville is $101 per month for full coverage.

How much is car insurance in Panthersville for teenagers?

Car insurance for teenagers costs $498 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 $1026 for a six-month policy. It will cost around $272 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: 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 Georgia Farm Bureau 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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