Cheapest Car Insurance Quotes in Pine Lake

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Pine Lake Car Insurance

^$ 64

/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 Pine Lake

The car insurance rate in Pine Lake is $1822 for a six-month policy, which is $769 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $647, making it a popular choice for budget-conscious drivers. Rates in Pine Lake 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 Pine Lake

$1822

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Pine Lake

1st place: Country Financial

At $647 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 $853 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 $1254 for six months, making it the third cheapest auto insurance company in Pine Lake.

Pine Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Lake, GA is Country Financial, offering policies at just $647 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $853.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2929 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Lake drivers find the best deals.

Cheap Car Insurance Companies in Pine Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$647	$107
Auto-Owners Insurance Co	$853	$145
Georgia Farm Bureau	$1254	$209
Farm Bureau	$1377	$234
Auto-Owners	$1932	$325
USAA	$1932	$325
Progressive	$1993	$336
Mercury	$2303	$391
Allstate	$2353	$396
Esurance P&C Ins Co	$2477	$420
State Farm	$2929	$493

Key Takeaways

Way's key takeaways about car insurance in Pine Lake

The auto insurance costs in Pine Lake fall around $647 for six months.
The cheapest auto insurance company in Pine Lake is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Pine Lake at $1756 per month.

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Cheapest Minimum Liability Car Insurance in Pine Lake

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 Pine Lake are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Pine Lake. Their Average 6 Month Premium is $381. State Farm is the most expensive at $1346 for the same period.

Cheapest Liability Coverage in Pine Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$381	$64
Georgia Farm Bureau	$514	$87
Farm Bureau	$566	$97
Mercury	$616	$104
Auto-Owners	$637	$107
Country Financial	$657	$111
USAA	$709	$119
Progressive	$720	$121
Central Insurance	$801	$137
Allstate	$1161	$194
State Farm	$1346	$227

Cheapest Full Coverage Car Insurance in Pine Lake

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 Pine Lake is Country Financial at $107 per month and $647 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$647	$107
Auto-Owners Insurance Co	$853	$145
Georgia Farm Bureau	$1254	$209
Farm Bureau	$1377	$234
Auto-Owners	$1932	$325
USAA	$1932	$325
Progressive	$1993	$336
Mercury	$2303	$391
Allstate	$2353	$396
Esurance P&C Ins Co	$2477	$420
State Farm	$2929	$493

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Average Car Insurance in Pine Lake 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 Pine Lake, GA increasing?

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

Car Insurance Premiums by Age in Pine Lake

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 Pine Lake,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 Pine Lake at $90 per month. At $10430 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	$545	$90
Mercury	$647	$111
Country Financial	$772	$130
Central Insurance	$801	$137
USAA	$3195	$538
Georgia Farm Bureau	$3484	$592
Auto-Owners	$3699	$623
Farm Bureau	$4429	$753
Allstate	$8179	$1363
Progressive	$10430	$1756
State Farm	$10430	$1756

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 Pine Lake, Country Financial is the cheapest car insurance provider. At $535 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 Pine Lake is Allstate, offering rates of around $4377 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$535	$88
Mercury	$626	$107
Farm Bureau	$1377	$230
Progressive	$2611	$445
USAA	$2785	$464
Auto-Owners	$5076	$863
State Farm	$11202	$1867
Allstate	$4377	$730

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Car Insurance Rates with An Accident in Pine Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Lake

The cheapest car insurance companies after an at-fault accident in Pine Lake include AutoOwners Insurance Co and Country Financial, offering $566 and $874, respectively. State Farm is an expensive provider with an average six-month premium of $3586.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$566	$93
Country Financial	$874	$147
Encompass	$965	$161
Central Insurance	$1059	$180
Farm Bureau	$1510	$253
Georgia Farm Bureau	$1541	$263
Auto-Owners	$1706	$287
USAA	$1737	$292
Progressive	$2477	$417
Allstate	$3278	$557
State Farm	$3586	$604

Pine Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Lake GA. For example, the car insurance in Pine Lake after a DUI increases to $1870 for a six month policy. While the rate increases by $586 for a six-month policy in the case of a speeding ticket.

Pine Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2199	$367
One Med/PIP claim	$2199	$374
One comp claim	$2209	$368
Two Med/PIP claims	$2209	$375
Not-at-fault accident	$2220	$370
Two comp claims	$2251	$382
Driving without lights	$2652	$441
Failure to wear a seat belt	$2652	$452
Child safety restraint	$2682	$446
Failure to show documents	$2682	$457
Cell phone violation	$2744	$457
Texting while driving	$2744	$467
Driving too slowly	$2785	$464
Speeding 6 - 10 MPH over limit	$2785	$474
Speeding in school zone	$2785	$464
Speeding 11 - 15 MPH over limit	$2796	$476
Driving with expired registration	$2806	$467
Failure to yield	$2806	$477
Following too closely	$2806	$467
Illegal turn	$2806	$477
Failure to stop at a red light	$2816	$469
Improper passing	$2816	$479
Speeding 16 - 20 MPH over limit	$2816	$469
Wrong way/wrong lane	$2816	$479
Speeding 21 - 25 MPH over limit	$2846	$474
Passing school bus	$2898	$493
In 65 MPH zone	$2908	$484
Open container	$2950	$502
At-fault accident - less than $1000	$2960	$493
Operating a vehicle without permission	$3000	$510
At-fault accident - $1000-$2000	$3226	$538
At-fault accident - greater than $2000	$3247	$552
Refusal to submit to a chemical test	$3803	$633
Reckless driving	$3915	$666
Racing	$4008	$668
Driving with a suspended license	$4019	$683
DUI	$4069	$678
Leaving scene of an accident/hit and run	$4173	$709

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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 Pine Lake 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 Pine Lake.

The cheapest car insurance premiums in Pine Lake are offered by Mercury at $657 for a six-month policy. However, it can be as expensive as $3330 with companies like State Farm.

Pine Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$657	$112
Auto-Owners Insurance Co	$853	$142
Country Financial	$926	$156
Esurance P&C Ins Co	$1275	$213
Allstate	$2097	$356
Auto-Owners	$2292	$386
Georgia Farm Bureau	$2477	$420
Progressive	$2486	$419
USAA	$2528	$426
Farm Bureau	$2682	$446
State Farm	$3330	$561

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 Pine Lake are offered by AutoOwners Insurance Co at $441. However, it can be as expensive as $2960 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pine Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$441	$74
Country Financial	$483	$81
Mercury	$689	$114
Farm Bureau	$1510	$256
USAA	$1901	$317
Auto-Owners	$1953	$332
Progressive	$2055	$343
State Farm	$3145	$535
Allstate	$2960	$493

Car Insurance Price Trends in Pine Lake, Georgia

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

The average cost of full coverage in the Pine Lake dipped by $370 in January compared to $389 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 Pine Lake dipped to $123 in January, compared to $125 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 Pine Lake?

The car insurance in Pine Lake is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Pine Lake?

The cheapest car insurance in Pine Lake is $107 per month for full coverage.

How much is car insurance in Pine Lake for teenagers?

Car insurance for teenagers costs $545 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 Pine Lake?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $306 per month to insure your car in Pine Lake.

Is car insurance expensive in Pine Lake?

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

Cheapest Car Insurance Quotes in Pine Lake

Why you can trust Way?

How Much Is Car Insurance in Pine Lake

Avg. Car Insurance in Pine Lake

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Pine Lake

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Pine Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Pine Lake, GA

Way's key takeaways about car insurance in Pine Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pine Lake

Cheapest Liability Coverage in Pine Lake, GA

Cheapest Full Coverage Car Insurance in Pine Lake

Cheapest Full Coverage Car Insurance Quotes in Pine Lake, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pine Lake by Rating Factor

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

Car Insurance Premiums by Age in Pine Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pine Lake,GA

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

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 Pine Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Lake

Pine Lake Car Insurance Rates by Violation

Pine Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pine Lake after a DUI

Pine Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pine Lake after Speeding ticket

Car Insurance Price Trends in Pine Lake, Georgia

Average Car Insurance Cost in Pine Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pine Lake, GA

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

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