Cheapest Car Insurance Quotes in Riverdale

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Riverdale Car Insurance

^$ 54

/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 Riverdale

The car insurance rate in Riverdale is $1488 for a six-month policy, which is $462 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $542, making it a popular choice for budget-conscious drivers. Rates in Riverdale 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 Riverdale

$1488

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Riverdale

1st place: Country Financial

At $542 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 $715 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 $956 for six months, making it the third cheapest auto insurance company in Riverdale.

Riverdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Riverdale, GA is Country Financial, offering policies at just $542 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $715.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2084 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverdale drivers find the best deals.

Cheap Car Insurance Companies in Riverdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$542	$93
Auto-Owners Insurance Co	$715	$119
Farm Bureau	$956	$162
Georgia Farm Bureau	$1051	$175
Auto-Owners	$1533	$258
USAA	$1585	$267
Progressive	$1869	$315
Mercury	$1930	$322
Allstate	$2033	$342
Esurance P&C Ins Co	$2076	$347
State Farm	$2084	$351

Key Takeaways

Way's key takeaways about car insurance in Riverdale

The auto insurance costs in Riverdale fall around $542 for six months.
The cheapest auto insurance company in Riverdale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Riverdale at $1784 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Riverdale

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 Riverdale are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Riverdale. Their Average 6 Month Premium is $319. Allstate is the most expensive at $1093 for the same period.

Cheapest Liability Coverage in Riverdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$319	$54
Farm Bureau	$405	$68
Georgia Farm Bureau	$431	$73
Auto-Owners	$516	$87
Mercury	$516	$87
Country Financial	$551	$93
USAA	$577	$97
Progressive	$638	$107
Central Insurance	$671	$112
State Farm	$990	$167
Allstate	$1093	$184

Cheapest Full Coverage Car Insurance in Riverdale

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 Riverdale is Country Financial at $93 per month and $542 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$542	$93
Auto-Owners Insurance Co	$715	$119
Farm Bureau	$956	$162
Georgia Farm Bureau	$1051	$175
Auto-Owners	$1533	$258
USAA	$1585	$267
Progressive	$1869	$315
Mercury	$1930	$322
Allstate	$2033	$342
Esurance P&C Ins Co	$2076	$347
State Farm	$2084	$351

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Average Car Insurance in Riverdale 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 Riverdale, GA increasing?

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

Car Insurance Premiums by Age in Riverdale

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	$1030
30s	Georgia Farm Bureau	$824
40s	Georgia Farm Bureau	$790
50s	Georgia Farm Bureau	$757
60s	Georgia Farm Bureau	$751
70s	Georgia Farm Bureau	$909

Cheapest Car Insurance Rates for Teen Drivers in Riverdale,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 Riverdale at $75 per month. At $10594 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	$457	$75
Mercury	$542	$93
Country Financial	$647	$109
Central Insurance	$671	$115
USAA	$2549	$429
Auto-Owners	$2800	$471
Georgia Farm Bureau	$2920	$487
Farm Bureau	$3049	$519
State Farm	$7553	$1272
Allstate	$7597	$1279
Progressive	$10594	$1784

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 Riverdale.

As young drivers face the highest rates in Riverdale, Georgia Farm Bureau offers the cheapest auto insurance rates at $1030 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 Riverdale, Country Financial is the cheapest car insurance provider. At $448 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 Riverdale is State Farm, offering rates of around $6503 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$448	$74
Mercury	$525	$90
Farm Bureau	$956	$160
USAA	$2076	$352
Progressive	$3205	$534
Auto-Owners	$3368	$573
Allstate	$3669	$612
State Farm	$6503	$1106

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Car Insurance Rates with An Accident in Riverdale

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

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

The cheapest car insurance companies after an at-fault accident in Riverdale include AutoOwners Insurance Co and Country Financial, offering $474 and $732, respectively. Allstate is an expensive provider with an average six-month premium of $3118.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$474	$78
Country Financial	$732	$123
Encompass	$809	$135
Central Insurance	$887	$151
Farm Bureau	$1051	$175
Georgia Farm Bureau	$1292	$220
Auto-Owners	$1309	$220
USAA	$1404	$236
Progressive	$2593	$436
State Farm	$2627	$442
Allstate	$3118	$525

Riverdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Riverdale GA. For example, the car insurance in Riverdale after a DUI increases to $1567 for a six month policy. While the rate increases by $492 for a six-month policy in the case of a speeding ticket.

Riverdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1843	$307
One Med/PIP claim	$1843	$313
One comp claim	$1852	$309
Two Med/PIP claims	$1852	$315
Not-at-fault accident	$1860	$310
Two comp claims	$1886	$320
Driving without lights	$2223	$370
Failure to wear a seat belt	$2223	$378
Child safety restraint	$2248	$374
Failure to show documents	$2248	$383
Cell phone violation	$2300	$383
Texting while driving	$2300	$392
Driving too slowly	$2335	$389
Speeding 6 - 10 MPH over limit	$2335	$397
Speeding in school zone	$2335	$389
Speeding 11 - 15 MPH over limit	$2343	$399
Driving with expired registration	$2352	$392
Failure to yield	$2352	$400
Following too closely	$2352	$392
Illegal turn	$2352	$400
Failure to stop at a red light	$2361	$393
Improper passing	$2361	$402
Speeding 16 - 20 MPH over limit	$2361	$393
Wrong way/wrong lane	$2361	$402
Speeding 21 - 25 MPH over limit	$2385	$397
Passing school bus	$2429	$413
In 65 MPH zone	$2437	$406
Open container	$2472	$421
At-fault accident - less than $1000	$2481	$413
Operating a vehicle without permission	$2514	$428
At-fault accident - $1000-$2000	$2704	$451
At-fault accident - greater than $2000	$2722	$463
Refusal to submit to a chemical test	$3187	$531
Reckless driving	$3281	$558
Racing	$3360	$560
Driving with a suspended license	$3368	$573
DUI	$3410	$568
Leaving scene of an accident/hit and run	$3497	$595

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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 Riverdale 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 Riverdale.

The cheapest car insurance premiums in Riverdale are offered by Mercury at $551 for a six-month policy. However, it can be as expensive as $2481 with companies like Progressive.

Riverdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$551	$94
Auto-Owners Insurance Co	$715	$119
Country Financial	$776	$131
Esurance P&C Ins Co	$1069	$178
Auto-Owners	$1705	$287
Farm Bureau	$1852	$309
USAA	$2007	$338
Georgia Farm Bureau	$2076	$347
State Farm	$2248	$378
Allstate	$2377	$400
Progressive	$2481	$418

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 Riverdale are offered by AutoOwners Insurance Co at $370. However, it can be as expensive as $2816 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Riverdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$370	$62
Country Financial	$405	$68
Mercury	$577	$99
Farm Bureau	$1051	$175
Auto-Owners	$1283	$218
USAA	$1395	$232
State Farm	$1826	$310
Allstate	$2481	$413
Progressive	$2816	$479

Car Insurance Price Trends in Riverdale, Georgia

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

The average cost of full coverage in the Riverdale rose by $326 in December compared to $320 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Riverdale rose to $104 in December, compared to $99 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 Riverdale?

The car insurance in Riverdale is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Riverdale?

The cheapest car insurance in Riverdale is $93 per month for full coverage.

How much is car insurance in Riverdale for teenagers?

Car insurance for teenagers costs $457 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 Riverdale?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $249 per month to insure your car in Riverdale.

Is car insurance expensive in Riverdale?

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

Cheapest Car Insurance Quotes in Riverdale

Why you can trust Way?

How Much Is Car Insurance in Riverdale

Avg. Car Insurance in Riverdale

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Riverdale

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Riverdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Riverdale, GA

Way's key takeaways about car insurance in Riverdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Riverdale

Cheapest Liability Coverage in Riverdale, GA

Cheapest Full Coverage Car Insurance in Riverdale

Cheapest Full Coverage Car Insurance Quotes in Riverdale, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Riverdale by Rating Factor

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

Car Insurance Premiums by Age in Riverdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Riverdale,GA

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

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 Riverdale

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

Riverdale Car Insurance Rates by Violation

Riverdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Riverdale after a DUI

Riverdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Riverdale after Speeding ticket

Car Insurance Price Trends in Riverdale, Georgia

Average Car Insurance Cost in Riverdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Riverdale, GA

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

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