Cheapest Car Insurance Quotes in Porterdale

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Porterdale Car Insurance

^$ 44

/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 Porterdale

The car insurance rate in Porterdale is $1211 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Porterdale 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 Porterdale

$1211

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Porterdale

1st place: Country Financial

At $441 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 $582 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 $778 for six months, making it the third cheapest auto insurance company in Porterdale.

Porterdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Porterdale, GA is Country Financial, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $582.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1696 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Porterdale drivers find the best deals.

Cheap Car Insurance Companies in Porterdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$441	$76
Auto-Owners Insurance Co	$582	$97
Farm Bureau	$778	$132
Georgia Farm Bureau	$856	$143
Auto-Owners	$1247	$210
USAA	$1290	$217
Progressive	$1521	$256
Mercury	$1571	$262
Allstate	$1654	$278
Esurance P&C Ins Co	$1690	$282
State Farm	$1696	$286

Key Takeaways

Way's key takeaways about car insurance in Porterdale

The auto insurance costs in Porterdale fall around $441 for six months.
The cheapest auto insurance company in Porterdale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Porterdale at $1451 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 Porterdale

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 Porterdale are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Porterdale. Their Average 6 Month Premium is $260. Allstate is the most expensive at $890 for the same period.

Cheapest Liability Coverage in Porterdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$260	$44
Farm Bureau	$329	$55
Georgia Farm Bureau	$350	$59
Auto-Owners	$420	$71
Mercury	$420	$71
Country Financial	$448	$76
USAA	$470	$79
Progressive	$519	$87
Central Insurance	$546	$91
State Farm	$806	$136
Allstate	$890	$150

Cheapest Full Coverage Car Insurance in Porterdale

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 Porterdale is Country Financial at $76 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Porterdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$441	$76
Auto-Owners Insurance Co	$582	$97
Farm Bureau	$778	$132
Georgia Farm Bureau	$856	$143
Auto-Owners	$1247	$210
USAA	$1290	$217
Progressive	$1521	$256
Mercury	$1571	$262
Allstate	$1654	$278
Esurance P&C Ins Co	$1690	$282
State Farm	$1696	$286

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Average Car Insurance in Porterdale 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 Porterdale, GA increasing?

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

Car Insurance Premiums by Age in Porterdale

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	$838
30s	Georgia Farm Bureau	$670
40s	Georgia Farm Bureau	$643
50s	Georgia Farm Bureau	$616
60s	Georgia Farm Bureau	$611
70s	Georgia Farm Bureau	$740

Cheapest Car Insurance Rates for Teen Drivers in Porterdale,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 Porterdale at $61 per month. At $8621 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	$372	$61
Mercury	$441	$76
Country Financial	$526	$89
Central Insurance	$546	$93
USAA	$2074	$349
Auto-Owners	$2279	$384
Georgia Farm Bureau	$2377	$396
Farm Bureau	$2482	$422
State Farm	$6147	$1035
Allstate	$6182	$1041
Progressive	$8621	$1451

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 Porterdale.

As young drivers face the highest rates in Porterdale, Georgia Farm Bureau offers the cheapest auto insurance rates at $838 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 Porterdale, Country Financial is the cheapest car insurance provider. At $365 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 Porterdale is State Farm, offering rates of around $5292 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$365	$60
Mercury	$427	$73
Farm Bureau	$778	$130
USAA	$1690	$287
Progressive	$2608	$434
Auto-Owners	$2741	$466
Allstate	$2985	$498
State Farm	$5292	$900

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Car Insurance Rates with An Accident in Porterdale

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

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

The cheapest car insurance companies after an at-fault accident in Porterdale include AutoOwners Insurance Co and Country Financial, offering $386 and $596, respectively. Allstate is an expensive provider with an average six-month premium of $2537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$64
Country Financial	$596	$100
Encompass	$658	$110
Central Insurance	$722	$123
Farm Bureau	$856	$143
Georgia Farm Bureau	$1051	$179
Auto-Owners	$1066	$179
USAA	$1142	$192
Progressive	$2110	$355
State Farm	$2138	$360
Allstate	$2537	$427

Porterdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Porterdale GA. For example, the car insurance in Porterdale after a DUI increases to $1275 for a six month policy. While the rate increases by $400 for a six-month policy in the case of a speeding ticket.

Porterdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1500	$250
One Med/PIP claim	$1500	$255
One comp claim	$1507	$251
Two Med/PIP claims	$1507	$256
Not-at-fault accident	$1514	$253
Two comp claims	$1535	$261
Driving without lights	$1809	$301
Failure to wear a seat belt	$1809	$308
Child safety restraint	$1829	$304
Failure to show documents	$1829	$312
Cell phone violation	$1871	$312
Texting while driving	$1871	$319
Driving too slowly	$1900	$316
Speeding 6 - 10 MPH over limit	$1900	$323
Speeding in school zone	$1900	$316
Speeding 11 - 15 MPH over limit	$1907	$325
Driving with expired registration	$1914	$319
Failure to yield	$1914	$326
Following too closely	$1914	$319
Illegal turn	$1914	$326
Failure to stop at a red light	$1921	$320
Improper passing	$1921	$327
Speeding 16 - 20 MPH over limit	$1921	$320
Wrong way/wrong lane	$1921	$327
Speeding 21 - 25 MPH over limit	$1941	$323
Passing school bus	$1977	$336
In 65 MPH zone	$1984	$330
Open container	$2012	$342
At-fault accident - less than $1000	$2019	$336
Operating a vehicle without permission	$2046	$348
At-fault accident - $1000-$2000	$2201	$367
At-fault accident - greater than $2000	$2215	$376
Refusal to submit to a chemical test	$2594	$432
Reckless driving	$2670	$454
Racing	$2734	$455
Driving with a suspended license	$2741	$466
DUI	$2775	$463
Leaving scene of an accident/hit and run	$2846	$484

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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 Porterdale 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 Porterdale.

The cheapest car insurance premiums in Porterdale are offered by Mercury at $448 for a six-month policy. However, it can be as expensive as $2019 with companies like Progressive.

Porterdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$448	$77
Auto-Owners Insurance Co	$582	$97
Country Financial	$631	$106
Esurance P&C Ins Co	$870	$145
Auto-Owners	$1388	$234
Farm Bureau	$1507	$251
USAA	$1633	$275
Georgia Farm Bureau	$1690	$282
State Farm	$1829	$308
Allstate	$1934	$326
Progressive	$2019	$340

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 Porterdale are offered by AutoOwners Insurance Co at $301. However, it can be as expensive as $2292 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Porterdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$51
Country Financial	$329	$55
Mercury	$470	$80
Farm Bureau	$856	$143
Auto-Owners	$1044	$177
USAA	$1135	$189
State Farm	$1486	$253
Allstate	$2019	$336
Progressive	$2292	$389

Car Insurance Price Trends in Porterdale, Georgia

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

The average cost of full coverage in the Porterdale rose by $266 in December compared to $261 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 Porterdale rose to $85 in December, compared to $80 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Porterdale?

The car insurance in Porterdale is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Porterdale?

The cheapest car insurance in Porterdale is $76 per month for full coverage.

How much is car insurance in Porterdale for teenagers?

Car insurance for teenagers costs $372 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 Porterdale?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $203 per month to insure your car in Porterdale.

Is car insurance expensive in Porterdale?

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

Cheapest Car Insurance Quotes in Porterdale

Why you can trust Way?

How Much Is Car Insurance in Porterdale

Avg. Car Insurance in Porterdale

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Porterdale

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Porterdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Porterdale, GA

Way's key takeaways about car insurance in Porterdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Porterdale

Cheapest Liability Coverage in Porterdale, GA

Cheapest Full Coverage Car Insurance in Porterdale

Cheapest Full Coverage Car Insurance Quotes in Porterdale, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Porterdale by Rating Factor

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

Car Insurance Premiums by Age in Porterdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Porterdale,GA

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

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 Porterdale

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

Porterdale Car Insurance Rates by Violation

Porterdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Porterdale after a DUI

Porterdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Porterdale after Speeding ticket

Car Insurance Price Trends in Porterdale, Georgia

Average Car Insurance Cost in Porterdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Porterdale, GA

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

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