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Finding the cheapest car insurance quotes in Sea Island 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.
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 Sea Island
The car insurance rate in Sea Island is $862 for a six-month policy, which is $164 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $314, making it a popular choice for budget-conscious drivers. Rates in Sea Island 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.
At $314 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 $414 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 $554
for six months, making it
the third cheapest auto insurance company in Sea Island.
Sea Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sea Island, GA is Country Financial, offering policies at just $314 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $414.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sea Island drivers find the best deals.
Way's key takeaways about car insurance in Sea Island
The auto insurance costs in Sea Island fall around $314 for six
months.
The cheapest auto insurance company in Sea Island is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sea Island at $1033 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 Sea Island
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 Sea Island are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Sea Island. Their Average 6 Month Premium is $185.
Allstate is the most
expensive at $633 for the same
period.
Cheapest Full Coverage Car Insurance in Sea Island
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 Sea Island is Country Financial
at $54 per month and $314
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sea Island,
GA
Get Your Car Insurance Quote in Sea Island
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Average Car Insurance in Sea Island 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 Sea Island, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sea Island, 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, Sea Island's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sea Island
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
$596
30s
Georgia Farm Bureau
$477
40s
Georgia Farm Bureau
$458
50s
Georgia Farm Bureau
$438
60s
Georgia Farm Bureau
$435
70s
Georgia Farm Bureau
$527
Cheapest Car Insurance Rates for Teen Drivers in
Sea Island,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 Sea Island at $44
per
month. At $6137 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Sea Island.
As young drivers face the highest rates in Sea Island, Georgia Farm Bureau
offers the cheapest auto insurance rates at $596 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 Sea Island,
Country Financial is
the cheapest car insurance provider. At $260 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
Sea Island is State Farm, offering
rates of around $3767 for six
months.
Save up to $971/yr on car insurance rates in Sea Island.
Car Insurance Rates with An Accident in Sea Island
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 Sea Island, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sea Island
The cheapest car insurance companies after an at-fault accident in
Sea Island include AutoOwners Insurance Co
and Country Financial, offering $275
and $424,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1806.
Here is a list of driving violations that can increase your car
insurance rates in Sea Island GA. For example, the car
insurance in Sea Island
after a DUI increases to $908 for a six
month policy. While the rate increases by $284 for a six-month policy in the case of
a speeding ticket.
Sea Island auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1068
$178
One Med/PIP claim
$1068
$181
One comp claim
$1073
$179
Two Med/PIP claims
$1073
$182
Not-at-fault accident
$1078
$180
Two comp claims
$1093
$186
Driving without lights
$1288
$214
Failure to wear a seat belt
$1288
$219
Child safety restraint
$1302
$217
Failure to show documents
$1302
$222
Cell phone violation
$1332
$222
Texting while driving
$1332
$227
Driving too slowly
$1352
$225
Speeding 6 - 10 MPH over limit
$1352
$230
Speeding in school zone
$1352
$225
Speeding 11 - 15 MPH over limit
$1357
$231
Driving with expired registration
$1362
$227
Failure to yield
$1362
$232
Following too closely
$1362
$227
Illegal turn
$1362
$232
Failure to stop at a red light
$1368
$228
Improper passing
$1368
$233
Speeding 16 - 20 MPH over limit
$1368
$228
Wrong way/wrong lane
$1368
$233
Speeding 21 - 25 MPH over limit
$1382
$230
Passing school bus
$1407
$239
In 65 MPH zone
$1412
$235
Open container
$1432
$244
At-fault accident - less than $1000
$1437
$239
Operating a vehicle without permission
$1457
$248
At-fault accident - $1000-$2000
$1567
$261
At-fault accident - greater than $2000
$1577
$268
Refusal to submit to a chemical test
$1846
$307
Reckless driving
$1901
$323
Racing
$1946
$324
Driving with a suspended license
$1951
$332
DUI
$1976
$329
Leaving scene of an accident/hit and run
$2026
$344
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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 Sea Island 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 Sea Island.
The cheapest car insurance premiums in
Sea Island are
offered by Mercury at $319 for a six-month policy.
However, it can be as
expensive as $1437 with companies
like Progressive.
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 Sea Island are offered by AutoOwners Insurance Co
at $214. However,
it can be as expensive as $1631
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Sea Island after Speeding ticket
Car insurance rates in Sea Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sea Island rose by
$189 in December
compared to $186 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Sea Island rose to $60 in December,
compared to $57 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Sea Island by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sea Island. At $1723 for a
six-month policy, insuring
your car at 31561 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Sea Island?
The car insurance in Sea Island is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Sea Island?
The cheapest car insurance in Sea Island
is $54 per month
for full coverage.
How much is car insurance in Sea Island for teenagers?
Car insurance for teenagers costs $265 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
Sea Island?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $144 per month to insure your
car in Sea Island.
Is car insurance expensive in Sea Island?
Car insurance can be expensive in Sea Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sea Island can be
affordable.
What is the best car insurance in Sea Island,
GA?
The best car insurance company in Sea Island
GA is
Country Financial, offering $314 for a
six-month policy.
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Sea Island Car Insurance
