Cheapest Car Insurance Quotes in Reed Creek

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Reed Creek Car Insurance

^$ 33

/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 Reed Creek

The car insurance rate in Reed Creek is $913 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $333, making it a popular choice for budget-conscious drivers. Rates in Reed Creek 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 Reed Creek

$913

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Reed Creek

1st place: Country Financial

At $333 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 $439 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 $587 for six months, making it the third cheapest auto insurance company in Reed Creek.

Reed Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Reed Creek, GA is Country Financial, offering policies at just $333 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $439.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Reed Creek drivers find the best deals.

Cheap Car Insurance Companies in Reed Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$333	$57
Auto-Owners Insurance Co	$439	$73
Farm Bureau	$587	$100
Georgia Farm Bureau	$645	$108
Auto-Owners	$941	$158
USAA	$973	$164
Progressive	$1147	$193
Mercury	$1185	$198
Allstate	$1248	$210
Esurance P&C Ins Co	$1274	$213
State Farm	$1279	$215

Key Takeaways

Way's key takeaways about car insurance in Reed Creek

The auto insurance costs in Reed Creek fall around $333 for six months.
The cheapest auto insurance company in Reed Creek is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Reed Creek at $1095 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 Reed Creek

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 Reed Creek are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Reed Creek. Their Average 6 Month Premium is $196. Allstate is the most expensive at $671 for the same period.

Cheapest Liability Coverage in Reed Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$196	$33
Farm Bureau	$248	$42
Georgia Farm Bureau	$264	$45
Auto-Owners	$317	$53
Mercury	$317	$53
Country Financial	$338	$57
USAA	$354	$60
Progressive	$392	$66
Central Insurance	$412	$69
State Farm	$608	$102
Allstate	$671	$113

Cheapest Full Coverage Car Insurance in Reed Creek

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 Reed Creek is Country Financial at $57 per month and $333 for six months.

Cheapest Full Coverage Car Insurance Quotes in Reed Creek, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$333	$57
Auto-Owners Insurance Co	$439	$73
Farm Bureau	$587	$100
Georgia Farm Bureau	$645	$108
Auto-Owners	$941	$158
USAA	$973	$164
Progressive	$1147	$193
Mercury	$1185	$198
Allstate	$1248	$210
Esurance P&C Ins Co	$1274	$213
State Farm	$1279	$215

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Average Car Insurance in Reed Creek 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 Reed Creek, GA increasing?

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

Car Insurance Premiums by Age in Reed Creek

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	$632
30s	Georgia Farm Bureau	$506
40s	Georgia Farm Bureau	$485
50s	Georgia Farm Bureau	$465
60s	Georgia Farm Bureau	$461
70s	Georgia Farm Bureau	$558

Cheapest Car Insurance Rates for Teen Drivers in Reed Creek,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 Reed Creek at $46 per month. At $6502 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	$280	$46
Mercury	$333	$57
Country Financial	$397	$67
Central Insurance	$412	$70
USAA	$1565	$263
Auto-Owners	$1719	$289
Georgia Farm Bureau	$1792	$299
Farm Bureau	$1872	$319
State Farm	$4636	$781
Allstate	$4663	$785
Progressive	$6502	$1095

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 Reed Creek.

As young drivers face the highest rates in Reed Creek, Georgia Farm Bureau offers the cheapest auto insurance rates at $632 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 Reed Creek, Country Financial is the cheapest car insurance provider. At $275 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 Reed Creek is State Farm, offering rates of around $3992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$275	$45
Mercury	$322	$55
Farm Bureau	$587	$98
USAA	$1274	$216
Progressive	$1967	$328
Auto-Owners	$2067	$352
Allstate	$2252	$376
State Farm	$3992	$679

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Save up to $971/yr on car insurance rates in Reed Creek.

Car Insurance Rates with An Accident in Reed Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Reed Creek

The cheapest car insurance companies after an at-fault accident in Reed Creek include AutoOwners Insurance Co and Country Financial, offering $291 and $449, respectively. Allstate is an expensive provider with an average six-month premium of $1914.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$48
Country Financial	$449	$76
Encompass	$497	$83
Central Insurance	$545	$93
Farm Bureau	$645	$108
Georgia Farm Bureau	$793	$135
Auto-Owners	$804	$135
USAA	$862	$145
Progressive	$1591	$268
State Farm	$1613	$271
Allstate	$1914	$322

Reed Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Reed Creek GA. For example, the car insurance in Reed Creek after a DUI increases to $962 for a six month policy. While the rate increases by $302 for a six-month policy in the case of a speeding ticket.

Reed Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1131	$189
One Med/PIP claim	$1131	$192
One comp claim	$1137	$190
Two Med/PIP claims	$1137	$193
Not-at-fault accident	$1142	$190
Two comp claims	$1158	$197
Driving without lights	$1364	$227
Failure to wear a seat belt	$1364	$232
Child safety restraint	$1380	$230
Failure to show documents	$1380	$235
Cell phone violation	$1412	$235
Texting while driving	$1412	$240
Driving too slowly	$1433	$239
Speeding 6 - 10 MPH over limit	$1433	$244
Speeding in school zone	$1433	$239
Speeding 11 - 15 MPH over limit	$1438	$245
Driving with expired registration	$1444	$240
Failure to yield	$1444	$246
Following too closely	$1444	$240
Illegal turn	$1444	$246
Failure to stop at a red light	$1449	$241
Improper passing	$1449	$247
Speeding 16 - 20 MPH over limit	$1449	$241
Wrong way/wrong lane	$1449	$247
Speeding 21 - 25 MPH over limit	$1464	$244
Passing school bus	$1491	$254
In 65 MPH zone	$1496	$249
Open container	$1517	$258
At-fault accident - less than $1000	$1523	$254
Operating a vehicle without permission	$1543	$263
At-fault accident - $1000-$2000	$1660	$277
At-fault accident - greater than $2000	$1671	$284
Refusal to submit to a chemical test	$1956	$326
Reckless driving	$2014	$343
Racing	$2062	$344
Driving with a suspended license	$2067	$352
DUI	$2093	$349
Leaving scene of an accident/hit and run	$2147	$365

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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 Reed Creek 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 Reed Creek.

The cheapest car insurance premiums in Reed Creek are offered by Mercury at $338 for a six-month policy. However, it can be as expensive as $1523 with companies like Progressive.

Reed Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$338	$58
Auto-Owners Insurance Co	$439	$73
Country Financial	$476	$80
Esurance P&C Ins Co	$656	$109
Auto-Owners	$1047	$176
Farm Bureau	$1137	$190
USAA	$1232	$207
Georgia Farm Bureau	$1274	$213
State Farm	$1380	$232
Allstate	$1459	$246
Progressive	$1523	$256

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 Reed Creek are offered by AutoOwners Insurance Co at $227. However, it can be as expensive as $1728 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Reed Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Country Financial	$248	$42
Mercury	$354	$61
Farm Bureau	$645	$108
Auto-Owners	$788	$134
USAA	$856	$142
State Farm	$1121	$190
Allstate	$1523	$254
Progressive	$1728	$294

Car Insurance Price Trends in Reed Creek, Georgia

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

The average cost of full coverage in the Reed Creek rose by $200 in December compared to $197 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Reed Creek rose to $64 in December, compared to $61 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Reed Creek?

The car insurance in Reed Creek is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Reed Creek?

The cheapest car insurance in Reed Creek is $57 per month for full coverage.

How much is car insurance in Reed Creek for teenagers?

Car insurance for teenagers costs $280 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 Reed Creek?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $153 per month to insure your car in Reed Creek.

Is car insurance expensive in Reed Creek?

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

Cheapest Car Insurance Quotes in Reed Creek

Why you can trust Way?

How Much Is Car Insurance in Reed Creek

Avg. Car Insurance in Reed Creek

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Reed Creek

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Reed Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Reed Creek, GA

Way's key takeaways about car insurance in Reed Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Reed Creek

Cheapest Liability Coverage in Reed Creek, GA

Cheapest Full Coverage Car Insurance in Reed Creek

Cheapest Full Coverage Car Insurance Quotes in Reed Creek, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Reed Creek by Rating Factor

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

Car Insurance Premiums by Age in Reed Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Reed Creek,GA

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

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 Reed Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Reed Creek

Reed Creek Car Insurance Rates by Violation

Reed Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Reed Creek after a DUI

Reed Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Reed Creek after Speeding ticket

Car Insurance Price Trends in Reed Creek, Georgia

Average Car Insurance Cost in Reed Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Reed Creek, GA

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

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