Cheapest Car Insurance Quotes in Powder Springs

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Powder Springs Car Insurance

^$ 47

/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 Powder Springs

The car insurance rate in Powder Springs is $1303 for a six-month policy, which is $277 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Powder Springs 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 Powder Springs

$1303

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Powder Springs

1st place: Country Financial

At $475 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 $626 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 $837 for six months, making it the third cheapest auto insurance company in Powder Springs.

Powder Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Powder Springs, GA is Country Financial, offering policies at just $475 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $626.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1825 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Powder Springs drivers find the best deals.

Cheap Car Insurance Companies in Powder Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$475	$81
Auto-Owners Insurance Co	$626	$104
Farm Bureau	$837	$142
Georgia Farm Bureau	$921	$154
Auto-Owners	$1342	$226
USAA	$1388	$234
Progressive	$1637	$276
Mercury	$1690	$282
Allstate	$1781	$300
Esurance P&C Ins Co	$1819	$304
State Farm	$1825	$307

Key Takeaways

Way's key takeaways about car insurance in Powder Springs

The auto insurance costs in Powder Springs fall around $475 for six months.
The cheapest auto insurance company in Powder Springs is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Powder Springs at $1562 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 Powder Springs

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 Powder Springs are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Powder Springs. Their Average 6 Month Premium is $279. Allstate is the most expensive at $958 for the same period.

Cheapest Liability Coverage in Powder Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$47
Farm Bureau	$354	$60
Georgia Farm Bureau	$377	$64
Auto-Owners	$452	$76
Mercury	$452	$76
Country Financial	$483	$81
USAA	$505	$85
Progressive	$559	$94
Central Insurance	$588	$98
State Farm	$867	$146
Allstate	$958	$161

Cheapest Full Coverage Car Insurance in Powder Springs

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 Powder Springs is Country Financial at $81 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Powder Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$475	$81
Auto-Owners Insurance Co	$626	$104
Farm Bureau	$837	$142
Georgia Farm Bureau	$921	$154
Auto-Owners	$1342	$226
USAA	$1388	$234
Progressive	$1637	$276
Mercury	$1690	$282
Allstate	$1781	$300
Esurance P&C Ins Co	$1819	$304
State Farm	$1825	$307

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Average Car Insurance in Powder Springs 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 Powder Springs, GA increasing?

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

Car Insurance Premiums by Age in Powder Springs

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	$902
30s	Georgia Farm Bureau	$721
40s	Georgia Farm Bureau	$692
50s	Georgia Farm Bureau	$663
60s	Georgia Farm Bureau	$658
70s	Georgia Farm Bureau	$796

Cheapest Car Insurance Rates for Teen Drivers in Powder Springs,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 Powder Springs at $66 per month. At $9279 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	$400	$66
Mercury	$475	$81
Country Financial	$566	$95
Central Insurance	$588	$100
USAA	$2233	$376
Auto-Owners	$2452	$413
Georgia Farm Bureau	$2558	$427
Farm Bureau	$2671	$455
State Farm	$6615	$1114
Allstate	$6654	$1120
Progressive	$9279	$1562

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 Powder Springs.

As young drivers face the highest rates in Powder Springs, Georgia Farm Bureau offers the cheapest auto insurance rates at $902 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 Powder Springs, Country Financial is the cheapest car insurance provider. At $392 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 Powder Springs is State Farm, offering rates of around $5696 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$392	$65
Mercury	$460	$79
Farm Bureau	$837	$140
USAA	$1819	$309
Progressive	$2807	$467
Auto-Owners	$2950	$502
Allstate	$3213	$536
State Farm	$5696	$969

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

Car Insurance Rates with An Accident in Powder Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Powder Springs

The cheapest car insurance companies after an at-fault accident in Powder Springs include AutoOwners Insurance Co and Country Financial, offering $415 and $641, respectively. Allstate is an expensive provider with an average six-month premium of $2731.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$69
Country Financial	$641	$108
Encompass	$709	$118
Central Insurance	$777	$132
Farm Bureau	$921	$154
Georgia Farm Bureau	$1132	$193
Auto-Owners	$1147	$193
USAA	$1229	$207
Progressive	$2271	$382
State Farm	$2301	$387
Allstate	$2731	$460

Powder Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Powder Springs GA. For example, the car insurance in Powder Springs after a DUI increases to $1373 for a six month policy. While the rate increases by $431 for a six-month policy in the case of a speeding ticket.

Powder Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1614	$269
One Med/PIP claim	$1614	$274
One comp claim	$1622	$271
Two Med/PIP claims	$1622	$276
Not-at-fault accident	$1629	$272
Two comp claims	$1652	$281
Driving without lights	$1947	$324
Failure to wear a seat belt	$1947	$331
Child safety restraint	$1969	$328
Failure to show documents	$1969	$335
Cell phone violation	$2014	$335
Texting while driving	$2014	$343
Driving too slowly	$2045	$340
Speeding 6 - 10 MPH over limit	$2045	$348
Speeding in school zone	$2045	$340
Speeding 11 - 15 MPH over limit	$2052	$349
Driving with expired registration	$2060	$343
Failure to yield	$2060	$351
Following too closely	$2060	$343
Illegal turn	$2060	$351
Failure to stop at a red light	$2068	$344
Improper passing	$2068	$352
Speeding 16 - 20 MPH over limit	$2068	$344
Wrong way/wrong lane	$2068	$352
Speeding 21 - 25 MPH over limit	$2089	$348
Passing school bus	$2127	$362
In 65 MPH zone	$2135	$356
Open container	$2165	$368
At-fault accident - less than $1000	$2173	$362
Operating a vehicle without permission	$2202	$375
At-fault accident - $1000-$2000	$2369	$395
At-fault accident - greater than $2000	$2384	$405
Refusal to submit to a chemical test	$2791	$465
Reckless driving	$2874	$489
Racing	$2943	$490
Driving with a suspended license	$2950	$502
DUI	$2987	$498
Leaving scene of an accident/hit and run	$3063	$521

Your Wallet Deserves Better. Seriously.

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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 Powder Springs 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 Powder Springs.

The cheapest car insurance premiums in Powder Springs are offered by Mercury at $483 for a six-month policy. However, it can be as expensive as $2173 with companies like Progressive.

Powder Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$483	$83
Auto-Owners Insurance Co	$626	$104
Country Financial	$679	$114
Esurance P&C Ins Co	$936	$156
Auto-Owners	$1494	$251
Farm Bureau	$1622	$271
USAA	$1758	$296
Georgia Farm Bureau	$1819	$304
State Farm	$1969	$331
Allstate	$2082	$351
Progressive	$2173	$366

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 Powder Springs are offered by AutoOwners Insurance Co at $324. However, it can be as expensive as $2466 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Powder Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$55
Country Financial	$354	$60
Mercury	$505	$86
Farm Bureau	$921	$154
Auto-Owners	$1124	$191
USAA	$1222	$203
State Farm	$1599	$272
Allstate	$2173	$362
Progressive	$2466	$419

Car Insurance Price Trends in Powder Springs, Georgia

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

The average cost of full coverage in the Powder Springs rose by $286 in December compared to $281 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 Powder Springs rose to $91 in December, compared to $86 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 Powder Springs?

The car insurance in Powder Springs is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Powder Springs?

The cheapest car insurance in Powder Springs is $81 per month for full coverage.

How much is car insurance in Powder Springs for teenagers?

Car insurance for teenagers costs $400 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 Powder Springs?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $218 per month to insure your car in Powder Springs.

Is car insurance expensive in Powder Springs?

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

Cheapest Car Insurance Quotes in Powder Springs

Why you can trust Way?

How Much Is Car Insurance in Powder Springs

Avg. Car Insurance in Powder Springs

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Powder Springs

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Powder Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Powder Springs, GA

Way's key takeaways about car insurance in Powder Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Powder Springs

Cheapest Liability Coverage in Powder Springs, GA

Cheapest Full Coverage Car Insurance in Powder Springs

Cheapest Full Coverage Car Insurance Quotes in Powder Springs, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Powder Springs by Rating Factor

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

Car Insurance Premiums by Age in Powder Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Powder Springs,GA

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

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 Powder Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Powder Springs

Powder Springs Car Insurance Rates by Violation

Powder Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Powder Springs after a DUI

Powder Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Powder Springs after Speeding ticket

Car Insurance Price Trends in Powder Springs, Georgia

Average Car Insurance Cost in Powder Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Powder Springs, GA

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

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