Cheapest Car Insurance Quotes in Pine Lake

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Pine Lake Car Insurance

^$ 52

/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 $1447 for a six-month policy, which is $421 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $527, 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

$1447

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Pine Lake

1st place: Country Financial

At $527 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 $695 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 $929 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 $527 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $695.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2026 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	$527	$90
Auto-Owners Insurance Co	$695	$116
Farm Bureau	$929	$158
Georgia Farm Bureau	$1022	$171
Auto-Owners	$1490	$251
USAA	$1541	$259
Progressive	$1817	$306
Mercury	$1877	$313
Allstate	$1977	$333
Esurance P&C Ins Co	$2019	$337
State Farm	$2026	$341

Key Takeaways

Way's key takeaways about car insurance in Pine Lake

The auto insurance costs in Pine Lake fall around $527 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 $1734 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 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 $310. Allstate is the most expensive at $1063 for the same period.

Cheapest Liability Coverage in Pine Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$310	$52
Farm Bureau	$393	$66
Georgia Farm Bureau	$419	$71
Auto-Owners	$502	$85
Mercury	$502	$85
Country Financial	$536	$90
USAA	$561	$94
Progressive	$620	$104
Central Insurance	$653	$109
State Farm	$963	$162
Allstate	$1063	$179

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 $90 per month and $527 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Lake, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$527	$90
Auto-Owners Insurance Co	$695	$116
Farm Bureau	$929	$158
Georgia Farm Bureau	$1022	$171
Auto-Owners	$1490	$251
USAA	$1541	$259
Progressive	$1817	$306
Mercury	$1877	$313
Allstate	$1977	$333
Esurance P&C Ins Co	$2019	$337
State Farm	$2026	$341

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1001
30s	Georgia Farm Bureau	$801
40s	Georgia Farm Bureau	$768
50s	Georgia Farm Bureau	$736
60s	Georgia Farm Bureau	$730
70s	Georgia Farm Bureau	$884

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 $73 per month. At $10301 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	$444	$73
Mercury	$527	$90
Country Financial	$629	$106
Central Insurance	$653	$111
USAA	$2479	$417
Auto-Owners	$2723	$458
Georgia Farm Bureau	$2840	$474
Farm Bureau	$2965	$505
State Farm	$7345	$1237
Allstate	$7387	$1244
Progressive	$10301	$1734

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 Pine Lake.

As young drivers face the highest rates in Pine Lake, Georgia Farm Bureau offers the cheapest auto insurance rates at $1001 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 Pine Lake, Country Financial is the cheapest car insurance provider. At $436 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 State Farm, offering rates of around $6324 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$436	$72
Mercury	$510	$87
Farm Bureau	$929	$155
USAA	$2019	$343
Progressive	$3116	$519
Auto-Owners	$3275	$557
Allstate	$3567	$595
State Farm	$6324	$1076

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

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 $461 and $712, respectively. Allstate is an expensive provider with an average six-month premium of $3032.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$461	$76
Country Financial	$712	$120
Encompass	$787	$131
Central Insurance	$863	$147
Farm Bureau	$1022	$171
Georgia Farm Bureau	$1256	$214
Auto-Owners	$1273	$214
USAA	$1365	$230
Progressive	$2521	$424
State Farm	$2555	$430
Allstate	$3032	$510

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 $1524 for a six month policy. While the rate increases by $478 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	$1792	$299
One Med/PIP claim	$1792	$305
One comp claim	$1801	$300
Two Med/PIP claims	$1801	$306
Not-at-fault accident	$1809	$302
Two comp claims	$1834	$312
Driving without lights	$2162	$360
Failure to wear a seat belt	$2162	$368
Child safety restraint	$2186	$364
Failure to show documents	$2186	$372
Cell phone violation	$2236	$372
Texting while driving	$2236	$381
Driving too slowly	$2270	$378
Speeding 6 - 10 MPH over limit	$2270	$386
Speeding in school zone	$2270	$378
Speeding 11 - 15 MPH over limit	$2279	$388
Driving with expired registration	$2287	$381
Failure to yield	$2287	$389
Following too closely	$2287	$381
Illegal turn	$2287	$389
Failure to stop at a red light	$2295	$382
Improper passing	$2295	$391
Speeding 16 - 20 MPH over limit	$2295	$382
Wrong way/wrong lane	$2295	$391
Speeding 21 - 25 MPH over limit	$2319	$386
Passing school bus	$2362	$402
In 65 MPH zone	$2370	$395
Open container	$2404	$409
At-fault accident - less than $1000	$2413	$402
Operating a vehicle without permission	$2445	$416
At-fault accident - $1000-$2000	$2630	$439
At-fault accident - greater than $2000	$2647	$450
Refusal to submit to a chemical test	$3099	$516
Reckless driving	$3191	$543
Racing	$3267	$544
Driving with a suspended license	$3275	$557
DUI	$3316	$553
Leaving scene of an accident/hit and run	$3401	$578

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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 $536 for a six-month policy. However, it can be as expensive as $2413 with companies like Progressive.

Pine Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$536	$92
Auto-Owners Insurance Co	$695	$116
Country Financial	$754	$127
Esurance P&C Ins Co	$1039	$173
Auto-Owners	$1658	$279
Farm Bureau	$1801	$300
USAA	$1951	$329
Georgia Farm Bureau	$2019	$337
State Farm	$2186	$368
Allstate	$2311	$389
Progressive	$2413	$406

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 $360. However, it can be as expensive as $2738 with companies like Progressive 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	$360	$61
Country Financial	$393	$66
Mercury	$561	$96
Farm Bureau	$1022	$171
Auto-Owners	$1248	$212
USAA	$1356	$226
State Farm	$1775	$302
Allstate	$2413	$402
Progressive	$2738	$465

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 rose by $317 in December compared to $312 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Pine Lake rose to $102 in December, compared to $96 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pine Lake?

The car insurance in Pine Lake is $52 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 $90 per month for full coverage.

How much is car insurance in Pine Lake for teenagers?

Car insurance for teenagers costs $444 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 $1026 for a six-month policy. It will cost around $243 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: 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 Georgia Farm Bureau 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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