Cheapest Car Insurance Quotes in Rocky Ford

Finding the cheapest car insurance quotes in Rocky Ford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Rocky Ford Car Insurance

^$ 37

/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 Rocky Ford

The car insurance rate in Rocky Ford is $1036 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $378, making it a popular choice for budget-conscious drivers. Rates in Rocky Ford 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 Rocky Ford

$1036

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Rocky Ford

1st place: Country Financial

At $378 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 $498 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 $666 for six months, making it the third cheapest auto insurance company in Rocky Ford.

Rocky Ford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rocky Ford, GA is Country Financial, offering policies at just $378 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $498.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1451 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rocky Ford drivers find the best deals.

Cheap Car Insurance Companies in Rocky Ford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$378	$65
Auto-Owners Insurance Co	$498	$83
Farm Bureau	$666	$113
Georgia Farm Bureau	$732	$122
Auto-Owners	$1068	$180
USAA	$1104	$186
Progressive	$1302	$219
Mercury	$1344	$224
Allstate	$1416	$238
Esurance P&C Ins Co	$1446	$241
State Farm	$1451	$244

Key Takeaways

Way's key takeaways about car insurance in Rocky Ford

The auto insurance costs in Rocky Ford fall around $378 for six months.
The cheapest auto insurance company in Rocky Ford is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Rocky Ford at $1242 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 Rocky Ford

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 Rocky Ford are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Rocky Ford. Their Average 6 Month Premium is $222. Allstate is the most expensive at $762 for the same period.

Cheapest Liability Coverage in Rocky Ford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$222	$37
Farm Bureau	$282	$47
Georgia Farm Bureau	$300	$51
Auto-Owners	$360	$61
Mercury	$360	$61
Country Financial	$384	$65
USAA	$402	$68
Progressive	$444	$75
Central Insurance	$468	$78
State Farm	$690	$116
Allstate	$762	$128

Cheapest Full Coverage Car Insurance in Rocky Ford

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 Rocky Ford is Country Financial at $65 per month and $378 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rocky Ford, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$378	$65
Auto-Owners Insurance Co	$498	$83
Farm Bureau	$666	$113
Georgia Farm Bureau	$732	$122
Auto-Owners	$1068	$180
USAA	$1104	$186
Progressive	$1302	$219
Mercury	$1344	$224
Allstate	$1416	$238
Esurance P&C Ins Co	$1446	$241
State Farm	$1451	$244

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rocky Ford Instantly!

Average Car Insurance in Rocky Ford 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 Rocky Ford, GA increasing?

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

Car Insurance Premiums by Age in Rocky Ford

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	$717
30s	Georgia Farm Bureau	$574
40s	Georgia Farm Bureau	$550
50s	Georgia Farm Bureau	$527
60s	Georgia Farm Bureau	$523
70s	Georgia Farm Bureau	$633

Cheapest Car Insurance Rates for Teen Drivers in Rocky Ford,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 Rocky Ford at $53 per month. At $7379 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	$318	$53
Mercury	$378	$65
Country Financial	$450	$76
Central Insurance	$468	$80
USAA	$1776	$299
Auto-Owners	$1950	$328
Georgia Farm Bureau	$2034	$339
Farm Bureau	$2124	$362
State Farm	$5261	$886
Allstate	$5291	$891
Progressive	$7379	$1242

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 Rocky Ford.

As young drivers face the highest rates in Rocky Ford, Georgia Farm Bureau offers the cheapest auto insurance rates at $717 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 Rocky Ford, Country Financial is the cheapest car insurance provider. At $312 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 Rocky Ford is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$312	$52
Mercury	$366	$63
Farm Bureau	$666	$111
USAA	$1446	$245
Progressive	$2232	$372
Auto-Owners	$2346	$399
Allstate	$2555	$426
State Farm	$4530	$771

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Rocky Ford.

Car Insurance Rates with An Accident in Rocky Ford

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Ford

The cheapest car insurance companies after an at-fault accident in Rocky Ford include AutoOwners Insurance Co and Country Financial, offering $330 and $510, respectively. Allstate is an expensive provider with an average six-month premium of $2172.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$55
Country Financial	$510	$86
Encompass	$564	$94
Central Insurance	$618	$105
Farm Bureau	$732	$122
Georgia Farm Bureau	$900	$154
Auto-Owners	$912	$154
USAA	$978	$165
Progressive	$1806	$304
State Farm	$1830	$308
Allstate	$2172	$366

Rocky Ford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rocky Ford GA. For example, the car insurance in Rocky Ford after a DUI increases to $1092 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Rocky Ford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1284	$218
One comp claim	$1290	$215
Two Med/PIP claims	$1290	$219
Not-at-fault accident	$1296	$216
Two comp claims	$1314	$223
Driving without lights	$1548	$258
Failure to wear a seat belt	$1548	$264
Child safety restraint	$1566	$261
Failure to show documents	$1566	$267
Cell phone violation	$1602	$267
Texting while driving	$1602	$273
Driving too slowly	$1626	$271
Speeding 6 - 10 MPH over limit	$1626	$277
Speeding in school zone	$1626	$271
Speeding 11 - 15 MPH over limit	$1632	$278
Driving with expired registration	$1638	$273
Failure to yield	$1638	$279
Following too closely	$1638	$273
Illegal turn	$1638	$279
Failure to stop at a red light	$1644	$274
Improper passing	$1644	$280
Speeding 16 - 20 MPH over limit	$1644	$274
Wrong way/wrong lane	$1644	$280
Speeding 21 - 25 MPH over limit	$1661	$277
Passing school bus	$1692	$288
In 65 MPH zone	$1698	$283
Open container	$1722	$293
At-fault accident - less than $1000	$1728	$288
Operating a vehicle without permission	$1751	$298
At-fault accident - $1000-$2000	$1884	$314
At-fault accident - greater than $2000	$1896	$322
Refusal to submit to a chemical test	$2220	$370
Reckless driving	$2286	$389
Racing	$2340	$390
Driving with a suspended license	$2346	$399
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2436	$414

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Rocky Ford 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 Rocky Ford.

The cheapest car insurance premiums in Rocky Ford are offered by Mercury at $384 for a six-month policy. However, it can be as expensive as $1728 with companies like Progressive.

Rocky Ford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$384	$66
Auto-Owners Insurance Co	$498	$83
Country Financial	$540	$91
Esurance P&C Ins Co	$744	$124
Auto-Owners	$1188	$200
Farm Bureau	$1290	$215
USAA	$1398	$235
Georgia Farm Bureau	$1446	$241
State Farm	$1566	$264
Allstate	$1655	$279
Progressive	$1728	$291

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 Rocky Ford are offered by AutoOwners Insurance Co at $258. However, it can be as expensive as $1961 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Rocky Ford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$43
Country Financial	$282	$47
Mercury	$402	$69
Farm Bureau	$732	$122
Auto-Owners	$894	$152
USAA	$972	$162
State Farm	$1272	$216
Allstate	$1728	$288
Progressive	$1961	$333

Car Insurance Price Trends in Rocky Ford, Georgia

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

The average cost of full coverage in the Rocky Ford rose by $227 in December compared to $223 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Rocky Ford rose to $73 in December, compared to $69 in November. This represents an increase of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Rocky Ford?

The car insurance in Rocky Ford is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Rocky Ford?

The cheapest car insurance in Rocky Ford is $65 per month for full coverage.

How much is car insurance in Rocky Ford for teenagers?

Car insurance for teenagers costs $318 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 Rocky Ford?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $174 per month to insure your car in Rocky Ford.

Is car insurance expensive in Rocky Ford?

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

Cheapest Car Insurance Quotes in Rocky Ford

Why you can trust Way?

How Much Is Car Insurance in Rocky Ford

Avg. Car Insurance in Rocky Ford

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Rocky Ford

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Rocky Ford Car Insurance Rates by Company

Cheap Car Insurance Companies in Rocky Ford, GA

Way's key takeaways about car insurance in Rocky Ford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rocky Ford

Cheapest Liability Coverage in Rocky Ford, GA

Cheapest Full Coverage Car Insurance in Rocky Ford

Cheapest Full Coverage Car Insurance Quotes in Rocky Ford, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rocky Ford by Rating Factor

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

Car Insurance Premiums by Age in Rocky Ford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rocky Ford,GA

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

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 Rocky Ford

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Ford

Rocky Ford Car Insurance Rates by Violation

Rocky Ford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rocky Ford after a DUI

Rocky Ford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rocky Ford after Speeding ticket

Car Insurance Price Trends in Rocky Ford, Georgia

Average Car Insurance Cost in Rocky Ford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rocky Ford, GA

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

Featured Blogs

Data Sources