Cheapest Car Insurance Quotes in Scottdale

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Scottdale 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 Scottdale

The car insurance rate in Scottdale is $1548 for a six-month policy, which is $495 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $550, making it a popular choice for budget-conscious drivers. Rates in Scottdale 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 Scottdale

$1548

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Scottdale

1st place: Country Financial

At $550 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 $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1066 for six months, making it the third cheapest auto insurance company in Scottdale.

Scottdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Scottdale, GA is Country Financial, offering policies at just $550 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $725.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2489 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Scottdale drivers find the best deals.

Cheap Car Insurance Companies in Scottdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$550	$91
Auto-Owners Insurance Co	$725	$123
Georgia Farm Bureau	$1066	$178
Farm Bureau	$1170	$198
Auto-Owners	$1642	$276
USAA	$1642	$276
Progressive	$1693	$285
Mercury	$1957	$332
Allstate	$1999	$337
Esurance P&C Ins Co	$2105	$357
State Farm	$2489	$419

Key Takeaways

Way's key takeaways about car insurance in Scottdale

The auto insurance costs in Scottdale fall around $550 for six months.
The cheapest auto insurance company in Scottdale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Scottdale at $1492 per month.

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Cheapest Minimum Liability Car Insurance in Scottdale

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 Scottdale are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Scottdale. Their Average 6 Month Premium is $323. State Farm is the most expensive at $1144 for the same period.

Cheapest Liability Coverage in Scottdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$323	$54
Georgia Farm Bureau	$437	$74
Farm Bureau	$481	$82
Mercury	$523	$88
Auto-Owners	$541	$91
Country Financial	$559	$94
USAA	$603	$101
Progressive	$612	$103
Central Insurance	$681	$116
Allstate	$986	$165
State Farm	$1144	$193

Cheapest Full Coverage Car Insurance in Scottdale

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 Scottdale is Country Financial at $91 per month and $550 for six months.

Cheapest Full Coverage Car Insurance Quotes in Scottdale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$550	$91
Auto-Owners Insurance Co	$725	$123
Georgia Farm Bureau	$1066	$178
Farm Bureau	$1170	$198
Auto-Owners	$1642	$276
USAA	$1642	$276
Progressive	$1693	$285
Mercury	$1957	$332
Allstate	$1999	$337
Esurance P&C Ins Co	$2105	$357
State Farm	$2489	$419

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Average Car Insurance in Scottdale 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 Scottdale, GA increasing?

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

Car Insurance Premiums by Age in Scottdale

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

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Cheapest Car Insurance Rates for Teen Drivers in Scottdale,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 Scottdale at $76 per month. At $8863 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$463	$76
Mercury	$550	$94
Country Financial	$656	$110
Central Insurance	$681	$116
USAA	$2715	$457
Georgia Farm Bureau	$2961	$503
Auto-Owners	$3143	$529
Farm Bureau	$3763	$639
Allstate	$6950	$1158
Progressive	$8863	$1492
State Farm	$8863	$1492

Teen Car Insurance Rates in GA by Age

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 Scottdale, Country Financial is the cheapest car insurance provider. At $454 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 Scottdale is Allstate, offering rates of around $3719 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$454	$75
Mercury	$532	$91
Farm Bureau	$1170	$196
Progressive	$2218	$378
USAA	$2367	$394
Auto-Owners	$4313	$734
State Farm	$9518	$1586
Allstate	$3719	$620

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Car Insurance Rates with An Accident in Scottdale

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

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

The cheapest car insurance companies after an at-fault accident in Scottdale include AutoOwners Insurance Co and Country Financial, offering $481 and $742, respectively. State Farm is an expensive provider with an average six-month premium of $3047.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$481	$79
Country Financial	$742	$125
Encompass	$820	$137
Central Insurance	$900	$153
Farm Bureau	$1283	$215
Georgia Farm Bureau	$1310	$223
Auto-Owners	$1449	$244
USAA	$1476	$248
Progressive	$2105	$354
Allstate	$2786	$473
State Farm	$3047	$513

Scottdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Scottdale GA. For example, the car insurance in Scottdale after a DUI increases to $1589 for a six month policy. While the rate increases by $499 for a six-month policy in the case of a speeding ticket.

Scottdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1868	$312
One Med/PIP claim	$1868	$318
One comp claim	$1877	$313
Two Med/PIP claims	$1877	$319
Not-at-fault accident	$1886	$315
Two comp claims	$1912	$325
Driving without lights	$2254	$375
Failure to wear a seat belt	$2254	$384
Child safety restraint	$2279	$379
Failure to show documents	$2279	$388
Cell phone violation	$2331	$388
Texting while driving	$2331	$397
Driving too slowly	$2367	$394
Speeding 6 - 10 MPH over limit	$2367	$403
Speeding in school zone	$2367	$394
Speeding 11 - 15 MPH over limit	$2376	$404
Driving with expired registration	$2384	$397
Failure to yield	$2384	$406
Following too closely	$2384	$397
Illegal turn	$2384	$406
Failure to stop at a red light	$2393	$398
Improper passing	$2393	$407
Speeding 16 - 20 MPH over limit	$2393	$398
Wrong way/wrong lane	$2393	$407
Speeding 21 - 25 MPH over limit	$2418	$403
Passing school bus	$2462	$419
In 65 MPH zone	$2471	$412
Open container	$2506	$426
At-fault accident - less than $1000	$2515	$419
Operating a vehicle without permission	$2549	$434
At-fault accident - $1000-$2000	$2742	$457
At-fault accident - greater than $2000	$2759	$469
Refusal to submit to a chemical test	$3231	$538
Reckless driving	$3327	$566
Racing	$3406	$567
Driving with a suspended license	$3415	$581
DUI	$3457	$576
Leaving scene of an accident/hit and run	$3546	$603

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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 Scottdale 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 Scottdale.

The cheapest car insurance premiums in Scottdale are offered by Mercury at $559 for a six-month policy. However, it can be as expensive as $2830 with companies like State Farm.

Scottdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$559	$96
Auto-Owners Insurance Co	$725	$121
Country Financial	$786	$132
Esurance P&C Ins Co	$1083	$181
Allstate	$1782	$303
Auto-Owners	$1948	$328
Georgia Farm Bureau	$2105	$357
Progressive	$2112	$356
USAA	$2148	$362
Farm Bureau	$2279	$379
State Farm	$2830	$476

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 Scottdale are offered by AutoOwners Insurance Co at $375. However, it can be as expensive as $2515 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Scottdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$375	$63
Country Financial	$410	$69
Mercury	$585	$97
Farm Bureau	$1283	$218
USAA	$1616	$269
Auto-Owners	$1660	$282
Progressive	$1746	$291
State Farm	$2672	$454
Allstate	$2515	$419

Car Insurance Price Trends in Scottdale, Georgia

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

The average cost of full coverage in the Scottdale dipped by $315 in January compared to $331 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Scottdale dipped to $104 in January, compared to $106 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Scottdale?

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

What is the cheapest car insurance in Scottdale?

The cheapest car insurance in Scottdale is $91 per month for full coverage.

How much is car insurance in Scottdale for teenagers?

Car insurance for teenagers costs $463 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 Scottdale?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $260 per month to insure your car in Scottdale.

Is car insurance expensive in Scottdale?

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

Cheapest Car Insurance Quotes in Scottdale

Why you can trust Way?

How Much Is Car Insurance in Scottdale

Avg. Car Insurance in Scottdale

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Scottdale

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Scottdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Scottdale, GA

Way's key takeaways about car insurance in Scottdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Scottdale

Cheapest Liability Coverage in Scottdale, GA

Cheapest Full Coverage Car Insurance in Scottdale

Cheapest Full Coverage Car Insurance Quotes in Scottdale, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Scottdale by Rating Factor

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

Car Insurance Premiums by Age in Scottdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Scottdale,GA

If you are in your twenties N/A is the best choice for car insurance in Scottdale.

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 Scottdale

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

Scottdale Car Insurance Rates by Violation

Scottdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Scottdale after a DUI

Scottdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Scottdale after Speeding ticket

Car Insurance Price Trends in Scottdale, Georgia

Average Car Insurance Cost in Scottdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Scottdale, GA

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

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