Cheapest Car Insurance Quotes in Porterdale

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Porterdale Car Insurance

^$ 51

/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 $1443 for a six-month policy, which is $390 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $512, 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

$1443

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Porterdale

1st place: Country Financial

At $512 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 $675 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 $993 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 $512 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $675.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2319 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	$512	$85
Auto-Owners Insurance Co	$675	$115
Georgia Farm Bureau	$993	$166
Farm Bureau	$1091	$185
Auto-Owners	$1530	$258
USAA	$1530	$258
Progressive	$1578	$266
Mercury	$1823	$310
Allstate	$1863	$314
Esurance P&C Ins Co	$1962	$333
State Farm	$2319	$390

Key Takeaways

Way's key takeaways about car insurance in Porterdale

The auto insurance costs in Porterdale fall around $512 for six months.
The cheapest auto insurance company in Porterdale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Porterdale at $1391 per month.

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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 $301. State Farm is the most expensive at $1066 for the same period.

Cheapest Liability Coverage in Porterdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$51
Georgia Farm Bureau	$407	$69
Farm Bureau	$448	$77
Mercury	$488	$82
Auto-Owners	$504	$85
Country Financial	$521	$88
USAA	$562	$95
Progressive	$570	$96
Central Insurance	$634	$108
Allstate	$919	$153
State Farm	$1066	$179

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 $85 per month and $512 for six months.

Cheapest Full Coverage Car Insurance Quotes in Porterdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$512	$85
Auto-Owners Insurance Co	$675	$115
Georgia Farm Bureau	$993	$166
Farm Bureau	$1091	$185
Auto-Owners	$1530	$258
USAA	$1530	$258
Progressive	$1578	$266
Mercury	$1823	$310
Allstate	$1863	$314
Esurance P&C Ins Co	$1962	$333
State Farm	$2319	$390

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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

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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 $71 per month. At $8260 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	$432	$71
Mercury	$512	$88
Country Financial	$611	$103
Central Insurance	$634	$108
USAA	$2530	$426
Georgia Farm Bureau	$2759	$469
Auto-Owners	$2929	$493
Farm Bureau	$3507	$596
Allstate	$6477	$1080
Progressive	$8260	$1391
State Farm	$8260	$1391

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 Porterdale, Country Financial is the cheapest car insurance provider. At $423 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 Allstate, offering rates of around $3466 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$423	$70
Mercury	$496	$85
Farm Bureau	$1091	$182
Progressive	$2067	$352
USAA	$2206	$367
Auto-Owners	$4020	$684
State Farm	$8871	$1478
Allstate	$3466	$578

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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 $448 and $692, respectively. State Farm is an expensive provider with an average six-month premium of $2840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$448	$74
Country Financial	$692	$116
Encompass	$764	$127
Central Insurance	$838	$142
Farm Bureau	$1196	$200
Georgia Farm Bureau	$1221	$208
Auto-Owners	$1351	$227
USAA	$1375	$232
Progressive	$1962	$330
Allstate	$2596	$441
State Farm	$2840	$478

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 $1481 for a six month policy. While the rate increases by $465 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	$1741	$290
One Med/PIP claim	$1741	$296
One comp claim	$1749	$292
Two Med/PIP claims	$1749	$297
Not-at-fault accident	$1758	$293
Two comp claims	$1782	$303
Driving without lights	$2100	$349
Failure to wear a seat belt	$2100	$358
Child safety restraint	$2124	$353
Failure to show documents	$2124	$362
Cell phone violation	$2173	$362
Texting while driving	$2173	$370
Driving too slowly	$2206	$367
Speeding 6 - 10 MPH over limit	$2206	$375
Speeding in school zone	$2206	$367
Speeding 11 - 15 MPH over limit	$2214	$377
Driving with expired registration	$2222	$370
Failure to yield	$2222	$378
Following too closely	$2222	$370
Illegal turn	$2222	$378
Failure to stop at a red light	$2230	$371
Improper passing	$2230	$379
Speeding 16 - 20 MPH over limit	$2230	$371
Wrong way/wrong lane	$2230	$379
Speeding 21 - 25 MPH over limit	$2254	$375
Passing school bus	$2295	$390
In 65 MPH zone	$2303	$384
Open container	$2336	$397
At-fault accident - less than $1000	$2344	$390
Operating a vehicle without permission	$2376	$404
At-fault accident - $1000-$2000	$2555	$426
At-fault accident - greater than $2000	$2571	$437
Refusal to submit to a chemical test	$3011	$501
Reckless driving	$3100	$527
Racing	$3174	$529
Driving with a suspended license	$3183	$541
DUI	$3222	$537
Leaving scene of an accident/hit and run	$3304	$562

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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 $521 for a six-month policy. However, it can be as expensive as $2637 with companies like State Farm.

Porterdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$521	$89
Auto-Owners Insurance Co	$675	$112
Country Financial	$733	$123
Esurance P&C Ins Co	$1010	$169
Allstate	$1660	$282
Auto-Owners	$1815	$306
Georgia Farm Bureau	$1962	$333
Progressive	$1969	$332
USAA	$2002	$337
Farm Bureau	$2124	$353
State Farm	$2637	$444

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 $349. However, it can be as expensive as $2344 with companies like Allstate 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	$349	$59
Country Financial	$382	$64
Mercury	$545	$90
Farm Bureau	$1196	$203
USAA	$1506	$251
Auto-Owners	$1547	$263
Progressive	$1628	$271
State Farm	$2491	$423
Allstate	$2344	$390

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 dipped by $293 in January compared to $308 of December. In other words, there has been an decrease by $15 when you compare January and December.

The average cost of liability insurance in the Porterdale dipped to $97 in January, compared to $99 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 Porterdale?

The car insurance in Porterdale is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Porterdale?

The cheapest car insurance in Porterdale is $85 per month for full coverage.

How much is car insurance in Porterdale for teenagers?

Car insurance for teenagers costs $432 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 $1053 for a six-month policy. It will cost around $242 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: Georgia 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 N/A 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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