Cheapest Car Insurance Quotes in Russell

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Russell Car Insurance

^$ 41

/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 Russell

The car insurance rate in Russell is $1149 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Russell 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 Russell

$1149

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Russell

1st place: Country Financial

At $419 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 $552 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 $738 for six months, making it the third cheapest auto insurance company in Russell.

Russell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Russell, GA is Country Financial, offering policies at just $419 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $552.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1609 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Russell drivers find the best deals.

Cheap Car Insurance Companies in Russell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$419	$72
Auto-Owners Insurance Co	$552	$92
Farm Bureau	$738	$125
Georgia Farm Bureau	$812	$136
Auto-Owners	$1184	$199
USAA	$1224	$206
Progressive	$1444	$243
Mercury	$1491	$249
Allstate	$1570	$264
Esurance P&C Ins Co	$1604	$268
State Farm	$1609	$271

Key Takeaways

Way's key takeaways about car insurance in Russell

The auto insurance costs in Russell fall around $419 for six months.
The cheapest auto insurance company in Russell is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Russell at $1378 per month.

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Cheapest Minimum Liability Car Insurance in Russell

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 Russell are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Russell. Their Average 6 Month Premium is $246. Allstate is the most expensive at $844 for the same period.

Cheapest Liability Coverage in Russell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$246	$41
Farm Bureau	$312	$53
Georgia Farm Bureau	$333	$56
Auto-Owners	$399	$67
Mercury	$399	$67
Country Financial	$426	$72
USAA	$446	$75
Progressive	$493	$83
Central Insurance	$519	$86
State Farm	$765	$129
Allstate	$844	$142

Cheapest Full Coverage Car Insurance in Russell

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 Russell is Country Financial at $72 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Russell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$419	$72
Auto-Owners Insurance Co	$552	$92
Farm Bureau	$738	$125
Georgia Farm Bureau	$812	$136
Auto-Owners	$1184	$199
USAA	$1224	$206
Progressive	$1444	$243
Mercury	$1491	$249
Allstate	$1570	$264
Esurance P&C Ins Co	$1604	$268
State Farm	$1609	$271

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Average Car Insurance in Russell 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 Russell, GA increasing?

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

Car Insurance Premiums by Age in Russell

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	$795
30s	Georgia Farm Bureau	$636
40s	Georgia Farm Bureau	$610
50s	Georgia Farm Bureau	$585
60s	Georgia Farm Bureau	$580
70s	Georgia Farm Bureau	$702

Cheapest Car Insurance Rates for Teen Drivers in Russell,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 Russell at $58 per month. At $8183 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	$353	$58
Mercury	$419	$72
Country Financial	$500	$84
Central Insurance	$519	$88
USAA	$1969	$332
Auto-Owners	$2163	$364
Georgia Farm Bureau	$2256	$376
Farm Bureau	$2355	$401
State Farm	$5834	$982
Allstate	$5868	$988
Progressive	$8183	$1378

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 Russell.

As young drivers face the highest rates in Russell, Georgia Farm Bureau offers the cheapest auto insurance rates at $795 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 Russell, Country Financial is the cheapest car insurance provider. At $346 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 Russell is State Farm, offering rates of around $5023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$346	$57
Mercury	$405	$69
Farm Bureau	$738	$123
USAA	$1604	$272
Progressive	$2475	$412
Auto-Owners	$2602	$442
Allstate	$2834	$473
State Farm	$5023	$855

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

Car Insurance Rates with An Accident in Russell

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

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

The cheapest car insurance companies after an at-fault accident in Russell include AutoOwners Insurance Co and Country Financial, offering $366 and $566, respectively. Allstate is an expensive provider with an average six-month premium of $2408.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$366	$60
Country Financial	$566	$95
Encompass	$625	$104
Central Insurance	$685	$116
Farm Bureau	$812	$136
Georgia Farm Bureau	$998	$170
Auto-Owners	$1011	$170
USAA	$1084	$183
Progressive	$2003	$337
State Farm	$2029	$342
Allstate	$2408	$405

Russell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Russell GA. For example, the car insurance in Russell after a DUI increases to $1210 for a six month policy. While the rate increases by $379 for a six-month policy in the case of a speeding ticket.

Russell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1424	$237
One Med/PIP claim	$1424	$242
One comp claim	$1430	$239
Two Med/PIP claims	$1430	$243
Not-at-fault accident	$1437	$240
Two comp claims	$1457	$248
Driving without lights	$1717	$286
Failure to wear a seat belt	$1717	$292
Child safety restraint	$1736	$289
Failure to show documents	$1736	$296
Cell phone violation	$1776	$296
Texting while driving	$1776	$302
Driving too slowly	$1803	$300
Speeding 6 - 10 MPH over limit	$1803	$307
Speeding in school zone	$1803	$300
Speeding 11 - 15 MPH over limit	$1810	$308
Driving with expired registration	$1817	$302
Failure to yield	$1817	$309
Following too closely	$1817	$302
Illegal turn	$1817	$309
Failure to stop at a red light	$1823	$304
Improper passing	$1823	$310
Speeding 16 - 20 MPH over limit	$1823	$304
Wrong way/wrong lane	$1823	$310
Speeding 21 - 25 MPH over limit	$1842	$307
Passing school bus	$1876	$319
In 65 MPH zone	$1883	$314
Open container	$1910	$325
At-fault accident - less than $1000	$1916	$319
Operating a vehicle without permission	$1942	$330
At-fault accident - $1000-$2000	$2089	$348
At-fault accident - greater than $2000	$2102	$357
Refusal to submit to a chemical test	$2462	$410
Reckless driving	$2535	$431
Racing	$2595	$432
Driving with a suspended license	$2602	$442
DUI	$2634	$439
Leaving scene of an accident/hit and run	$2701	$459

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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 Russell 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 Russell.

The cheapest car insurance premiums in Russell are offered by Mercury at $426 for a six-month policy. However, it can be as expensive as $1916 with companies like Progressive.

Russell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$426	$73
Auto-Owners Insurance Co	$552	$92
Country Financial	$599	$101
Esurance P&C Ins Co	$825	$138
Auto-Owners	$1317	$222
Farm Bureau	$1430	$239
USAA	$1550	$261
Georgia Farm Bureau	$1604	$268
State Farm	$1736	$292
Allstate	$1836	$309
Progressive	$1916	$323

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 Russell are offered by AutoOwners Insurance Co at $286. However, it can be as expensive as $2175 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Russell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$286	$48
Country Financial	$312	$53
Mercury	$446	$76
Farm Bureau	$812	$136
Auto-Owners	$991	$168
USAA	$1077	$179
State Farm	$1410	$240
Allstate	$1916	$319
Progressive	$2175	$370

Car Insurance Price Trends in Russell, Georgia

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

The average cost of full coverage in the Russell rose by $252 in December compared to $248 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 Russell rose to $81 in December, compared to $76 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 Russell?

The car insurance in Russell is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Russell?

The cheapest car insurance in Russell is $72 per month for full coverage.

How much is car insurance in Russell for teenagers?

Car insurance for teenagers costs $353 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 Russell?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $193 per month to insure your car in Russell.

Is car insurance expensive in Russell?

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

Cheapest Car Insurance Quotes in Russell

Why you can trust Way?

How Much Is Car Insurance in Russell

Avg. Car Insurance in Russell

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Russell

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Russell Car Insurance Rates by Company

Cheap Car Insurance Companies in Russell, GA

Way's key takeaways about car insurance in Russell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Russell

Cheapest Liability Coverage in Russell, GA

Cheapest Full Coverage Car Insurance in Russell

Cheapest Full Coverage Car Insurance Quotes in Russell, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Russell by Rating Factor

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

Car Insurance Premiums by Age in Russell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Russell,GA

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

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 Russell

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

Russell Car Insurance Rates by Violation

Russell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Russell after a DUI

Russell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Russell after Speeding ticket

Car Insurance Price Trends in Russell, Georgia

Average Car Insurance Cost in Russell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Russell, GA

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

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