Cheapest Car Insurance Quotes in Sandy Springs

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Sandy Springs Car Insurance

^$ 43

/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 Sandy Springs

The car insurance rate in Sandy Springs is $1180 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $430, making it a popular choice for budget-conscious drivers. Rates in Sandy 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 Sandy Springs

$1180

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Sandy Springs

1st place: Country Financial

At $430 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 $567 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 $758 for six months, making it the third cheapest auto insurance company in Sandy Springs.

Sandy Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sandy Springs, GA is Country Financial, offering policies at just $430 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $567.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1653 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sandy Springs drivers find the best deals.

Cheap Car Insurance Companies in Sandy Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$430	$74
Auto-Owners Insurance Co	$567	$94
Farm Bureau	$758	$129
Georgia Farm Bureau	$834	$139
Auto-Owners	$1216	$205
USAA	$1257	$212
Progressive	$1482	$250
Mercury	$1531	$255
Allstate	$1612	$271
Esurance P&C Ins Co	$1647	$275
State Farm	$1653	$278

Key Takeaways

Way's key takeaways about car insurance in Sandy Springs

The auto insurance costs in Sandy Springs fall around $430 for six months.
The cheapest auto insurance company in Sandy Springs is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sandy Springs at $1415 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 Sandy 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 Sandy Springs are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Sandy Springs. Their Average 6 Month Premium is $253. Allstate is the most expensive at $867 for the same period.

Cheapest Liability Coverage in Sandy Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$43
Farm Bureau	$321	$54
Georgia Farm Bureau	$342	$57
Auto-Owners	$409	$69
Mercury	$409	$69
Country Financial	$437	$74
USAA	$458	$77
Progressive	$506	$85
Central Insurance	$532	$89
State Farm	$785	$132
Allstate	$867	$146

Cheapest Full Coverage Car Insurance in Sandy 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 Sandy Springs is Country Financial at $74 per month and $430 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sandy Springs, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$430	$74
Auto-Owners Insurance Co	$567	$94
Farm Bureau	$758	$129
Georgia Farm Bureau	$834	$139
Auto-Owners	$1216	$205
USAA	$1257	$212
Progressive	$1482	$250
Mercury	$1531	$255
Allstate	$1612	$271
Esurance P&C Ins Co	$1647	$275
State Farm	$1653	$278

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Average Car Insurance in Sandy 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 Sandy Springs, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Sandy 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, Sandy 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 Sandy 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$816
30s	Georgia Farm Bureau	$653
40s	Georgia Farm Bureau	$627
50s	Georgia Farm Bureau	$600
60s	Georgia Farm Bureau	$596
70s	Georgia Farm Bureau	$721

Cheapest Car Insurance Rates for Teen Drivers in Sandy 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 Sandy Springs at $60 per month. At $8402 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	$362	$60
Mercury	$430	$74
Country Financial	$513	$86
Central Insurance	$532	$91
USAA	$2022	$340
Auto-Owners	$2221	$374
Georgia Farm Bureau	$2316	$386
Farm Bureau	$2418	$412
State Farm	$5990	$1009
Allstate	$6025	$1014
Progressive	$8402	$1415

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 Sandy Springs.

As young drivers face the highest rates in Sandy Springs, Georgia Farm Bureau offers the cheapest auto insurance rates at $816 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 Sandy Springs, Country Financial is the cheapest car insurance provider. At $355 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 Sandy Springs is State Farm, offering rates of around $5158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$355	$59
Mercury	$416	$71
Farm Bureau	$758	$126
USAA	$1647	$279
Progressive	$2542	$423
Auto-Owners	$2671	$454
Allstate	$2910	$485
State Farm	$5158	$877

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

Car Insurance Rates with An Accident in Sandy 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 Sandy Springs, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Springs

The cheapest car insurance companies after an at-fault accident in Sandy Springs include AutoOwners Insurance Co and Country Financial, offering $376 and $581, respectively. Allstate is an expensive provider with an average six-month premium of $2473.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$376	$62
Country Financial	$581	$98
Encompass	$642	$107
Central Insurance	$704	$120
Farm Bureau	$834	$139
Georgia Farm Bureau	$1025	$175
Auto-Owners	$1038	$175
USAA	$1113	$187
Progressive	$2056	$346
State Farm	$2084	$351
Allstate	$2473	$416

Sandy Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sandy Springs GA. For example, the car insurance in Sandy Springs after a DUI increases to $1243 for a six month policy. While the rate increases by $389 for a six-month policy in the case of a speeding ticket.

Sandy Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1462	$244
One Med/PIP claim	$1462	$248
One comp claim	$1469	$245
Two Med/PIP claims	$1469	$250
Not-at-fault accident	$1475	$246
Two comp claims	$1496	$254
Driving without lights	$1763	$293
Failure to wear a seat belt	$1763	$300
Child safety restraint	$1782	$297
Failure to show documents	$1782	$304
Cell phone violation	$1824	$304
Texting while driving	$1824	$311
Driving too slowly	$1851	$308
Speeding 6 - 10 MPH over limit	$1851	$315
Speeding in school zone	$1851	$308
Speeding 11 - 15 MPH over limit	$1858	$316
Driving with expired registration	$1865	$311
Failure to yield	$1865	$317
Following too closely	$1865	$311
Illegal turn	$1865	$317
Failure to stop at a red light	$1872	$312
Improper passing	$1872	$319
Speeding 16 - 20 MPH over limit	$1872	$312
Wrong way/wrong lane	$1872	$319
Speeding 21 - 25 MPH over limit	$1892	$315
Passing school bus	$1926	$328
In 65 MPH zone	$1933	$322
Open container	$1961	$334
At-fault accident - less than $1000	$1968	$328
Operating a vehicle without permission	$1994	$339
At-fault accident - $1000-$2000	$2145	$358
At-fault accident - greater than $2000	$2159	$367
Refusal to submit to a chemical test	$2528	$421
Reckless driving	$2602	$443
Racing	$2665	$444
Driving with a suspended license	$2671	$454
DUI	$2705	$451
Leaving scene of an accident/hit and run	$2774	$471

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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 Sandy 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 Sandy Springs.

The cheapest car insurance premiums in Sandy Springs are offered by Mercury at $437 for a six-month policy. However, it can be as expensive as $1968 with companies like Progressive.

Sandy Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$437	$75
Auto-Owners Insurance Co	$567	$94
Country Financial	$615	$103
Esurance P&C Ins Co	$848	$141
Auto-Owners	$1352	$228
Farm Bureau	$1469	$245
USAA	$1592	$268
Georgia Farm Bureau	$1647	$275
State Farm	$1782	$300
Allstate	$1885	$317
Progressive	$1968	$331

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 Sandy Springs are offered by AutoOwners Insurance Co at $293. However, it can be as expensive as $2233 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sandy Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$293	$49
Country Financial	$321	$54
Mercury	$458	$78
Farm Bureau	$834	$139
Auto-Owners	$1018	$173
USAA	$1106	$184
State Farm	$1448	$246
Allstate	$1968	$328
Progressive	$2233	$379

Car Insurance Price Trends in Sandy Springs, Georgia

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

The average cost of full coverage in the Sandy Springs rose by $259 in December compared to $254 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Sandy Springs rose to $83 in December, compared to $78 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 Sandy Springs?

The car insurance in Sandy Springs is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Sandy Springs?

The cheapest car insurance in Sandy Springs is $74 per month for full coverage.

How much is car insurance in Sandy Springs for teenagers?

Car insurance for teenagers costs $362 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 Sandy Springs?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $198 per month to insure your car in Sandy Springs.

Is car insurance expensive in Sandy Springs?

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

Cheapest Car Insurance Quotes in Sandy Springs

Why you can trust Way?

How Much Is Car Insurance in Sandy Springs

Avg. Car Insurance in Sandy Springs

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Sandy Springs

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Sandy Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Sandy Springs, GA

Way's key takeaways about car insurance in Sandy Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sandy Springs

Cheapest Liability Coverage in Sandy Springs, GA

Cheapest Full Coverage Car Insurance in Sandy Springs

Cheapest Full Coverage Car Insurance Quotes in Sandy Springs, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sandy Springs by Rating Factor

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

Car Insurance Premiums by Age in Sandy Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sandy Springs,GA

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Springs

Sandy Springs Car Insurance Rates by Violation

Sandy Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sandy Springs after a DUI

Sandy Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sandy Springs after Speeding ticket

Car Insurance Price Trends in Sandy Springs, Georgia

Average Car Insurance Cost in Sandy Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sandy Springs, GA

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

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