Cheapest Car Insurance Quotes in Powder Springs

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Powder Springs Car Insurance

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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 $1411 for a six-month policy, which is $358 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, 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

$1411

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Powder Springs

1st place: Country Financial

At $501 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 $661 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 $972 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 $501 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $661.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2269 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	$501	$83
Auto-Owners Insurance Co	$661	$113
Georgia Farm Bureau	$972	$162
Farm Bureau	$1067	$181
Auto-Owners	$1497	$252
USAA	$1497	$252
Progressive	$1544	$260
Mercury	$1784	$303
Allstate	$1822	$307
Esurance P&C Ins Co	$1919	$326
State Farm	$2269	$382

Key Takeaways

Way's key takeaways about car insurance in Powder Springs

The auto insurance costs in Powder Springs fall around $501 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 $1360 per month.

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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 $295. State Farm is the most expensive at $1043 for the same period.

Cheapest Liability Coverage in Powder Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$295	$50
Georgia Farm Bureau	$398	$67
Farm Bureau	$438	$75
Mercury	$477	$80
Auto-Owners	$493	$83
Country Financial	$509	$86
USAA	$549	$92
Progressive	$557	$94
Central Insurance	$620	$106
Allstate	$899	$150
State Farm	$1043	$176

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 $83 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Powder Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$501	$83
Auto-Owners Insurance Co	$661	$113
Georgia Farm Bureau	$972	$162
Farm Bureau	$1067	$181
Auto-Owners	$1497	$252
USAA	$1497	$252
Progressive	$1544	$260
Mercury	$1784	$303
Allstate	$1822	$307
Esurance P&C Ins Co	$1919	$326
State Farm	$2269	$382

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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

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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 $70 per month. At $8079 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	$422	$70
Mercury	$501	$86
Country Financial	$598	$101
Central Insurance	$620	$106
USAA	$2475	$417
Georgia Farm Bureau	$2699	$458
Auto-Owners	$2865	$482
Farm Bureau	$3430	$583
Allstate	$6336	$1056
Progressive	$8079	$1360
State Farm	$8079	$1360

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 Powder Springs, Country Financial is the cheapest car insurance provider. At $414 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 Allstate, offering rates of around $3390 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$414	$68
Mercury	$485	$83
Farm Bureau	$1067	$178
Progressive	$2022	$344
USAA	$2157	$359
Auto-Owners	$3932	$669
State Farm	$8677	$1446
Allstate	$3390	$565

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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 $438 and $677, respectively. State Farm is an expensive provider with an average six-month premium of $2778.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$438	$72
Country Financial	$677	$114
Encompass	$748	$125
Central Insurance	$820	$139
Farm Bureau	$1170	$196
Georgia Farm Bureau	$1194	$204
Auto-Owners	$1321	$222
USAA	$1345	$226
Progressive	$1919	$323
Allstate	$2539	$431
State Farm	$2778	$468

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 $1449 for a six month policy. While the rate increases by $454 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	$1703	$284
One Med/PIP claim	$1703	$289
One comp claim	$1711	$285
Two Med/PIP claims	$1711	$291
Not-at-fault accident	$1719	$287
Two comp claims	$1743	$296
Driving without lights	$2054	$342
Failure to wear a seat belt	$2054	$350
Child safety restraint	$2077	$346
Failure to show documents	$2077	$354
Cell phone violation	$2125	$354
Texting while driving	$2125	$362
Driving too slowly	$2157	$359
Speeding 6 - 10 MPH over limit	$2157	$367
Speeding in school zone	$2157	$359
Speeding 11 - 15 MPH over limit	$2165	$369
Driving with expired registration	$2173	$362
Failure to yield	$2173	$370
Following too closely	$2173	$362
Illegal turn	$2173	$370
Failure to stop at a red light	$2182	$363
Improper passing	$2182	$371
Speeding 16 - 20 MPH over limit	$2182	$363
Wrong way/wrong lane	$2182	$371
Speeding 21 - 25 MPH over limit	$2204	$367
Passing school bus	$2245	$382
In 65 MPH zone	$2253	$375
Open container	$2285	$389
At-fault accident - less than $1000	$2293	$382
Operating a vehicle without permission	$2324	$395
At-fault accident - $1000-$2000	$2499	$417
At-fault accident - greater than $2000	$2515	$427
Refusal to submit to a chemical test	$2945	$490
Reckless driving	$3032	$516
Racing	$3105	$517
Driving with a suspended license	$3113	$529
DUI	$3152	$525
Leaving scene of an accident/hit and run	$3232	$549

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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 $509 for a six-month policy. However, it can be as expensive as $2580 with companies like State Farm.

Powder Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$509	$87
Auto-Owners Insurance Co	$661	$110
Country Financial	$717	$121
Esurance P&C Ins Co	$988	$165
Allstate	$1624	$276
Auto-Owners	$1776	$299
Georgia Farm Bureau	$1919	$326
Progressive	$1926	$324
USAA	$1958	$330
Farm Bureau	$2077	$346
State Farm	$2580	$434

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 $342. However, it can be as expensive as $2293 with companies like Allstate 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	$342	$58
Country Financial	$374	$63
Mercury	$533	$88
Farm Bureau	$1170	$198
USAA	$1473	$245
Auto-Owners	$1513	$257
Progressive	$1592	$265
State Farm	$2436	$414
Allstate	$2293	$382

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 dipped by $287 in January compared to $302 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 Powder Springs dipped to $95 in January, compared to $96 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Powder Springs?

The car insurance in Powder Springs is $50 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 $83 per month for full coverage.

How much is car insurance in Powder Springs for teenagers?

Car insurance for teenagers costs $422 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 $1053 for a six-month policy. It will cost around $237 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: Georgia 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 N/A 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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