Cheapest Car Insurance Quotes in Sky Valley

Finding the cheapest car insurance quotes in Sky Valley 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

Sky Valley Car Insurance

^$ 34

/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 Sky Valley

The car insurance rate in Sky Valley is $944 for a six-month policy, which is $82 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $344, making it a popular choice for budget-conscious drivers. Rates in Sky Valley 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 Sky Valley

$944

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Sky Valley

1st place: Country Financial

At $344 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 $454 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 $606 for six months, making it the third cheapest auto insurance company in Sky Valley.

Sky Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sky Valley, GA is Country Financial, offering policies at just $344 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $454.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sky Valley drivers find the best deals.

Cheap Car Insurance Companies in Sky Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$344	$59
Auto-Owners Insurance Co	$454	$75
Farm Bureau	$606	$103
Georgia Farm Bureau	$667	$111
Auto-Owners	$972	$164
USAA	$1006	$169
Progressive	$1186	$200
Mercury	$1225	$204
Allstate	$1290	$217
Esurance P&C Ins Co	$1317	$220
State Farm	$1322	$223

Key Takeaways

Way's key takeaways about car insurance in Sky Valley

The auto insurance costs in Sky Valley fall around $344 for six months.
The cheapest auto insurance company in Sky Valley is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sky Valley at $1132 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 Sky Valley

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 Sky Valley are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Sky Valley. Their Average 6 Month Premium is $202. Allstate is the most expensive at $694 for the same period.

Cheapest Liability Coverage in Sky Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
Farm Bureau	$257	$43
Georgia Farm Bureau	$273	$46
Auto-Owners	$328	$55
Mercury	$328	$55
Country Financial	$350	$59
USAA	$366	$62
Progressive	$405	$68
Central Insurance	$426	$71
State Farm	$628	$106
Allstate	$694	$117

Cheapest Full Coverage Car Insurance in Sky Valley

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 Sky Valley is Country Financial at $59 per month and $344 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sky Valley, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$344	$59
Auto-Owners Insurance Co	$454	$75
Farm Bureau	$606	$103
Georgia Farm Bureau	$667	$111
Auto-Owners	$972	$164
USAA	$1006	$169
Progressive	$1186	$200
Mercury	$1225	$204
Allstate	$1290	$217
Esurance P&C Ins Co	$1317	$220
State Farm	$1322	$223

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Sky Valley Instantly!

Average Car Insurance in Sky Valley 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 Sky Valley, GA increasing?

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

Car Insurance Premiums by Age in Sky Valley

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	$653
30s	Georgia Farm Bureau	$523
40s	Georgia Farm Bureau	$501
50s	Georgia Farm Bureau	$480
60s	Georgia Farm Bureau	$477
70s	Georgia Farm Bureau	$577

Cheapest Car Insurance Rates for Teen Drivers in Sky Valley,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 Sky Valley at $48 per month. At $6722 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	$290	$48
Mercury	$344	$59
Country Financial	$410	$69
Central Insurance	$426	$73
USAA	$1617	$272
Auto-Owners	$1777	$299
Georgia Farm Bureau	$1853	$309
Farm Bureau	$1935	$329
State Farm	$4792	$807
Allstate	$4820	$811
Progressive	$6722	$1132

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 Sky Valley.

As young drivers face the highest rates in Sky Valley, Georgia Farm Bureau offers the cheapest auto insurance rates at $653 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 Sky Valley, Country Financial is the cheapest car insurance provider. At $284 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 Sky Valley is State Farm, offering rates of around $4126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$284	$47
Mercury	$333	$57
Farm Bureau	$606	$101
USAA	$1317	$224
Progressive	$2033	$339
Auto-Owners	$2137	$363
Allstate	$2328	$388
State Farm	$4126	$702

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Sky Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sky Valley

The cheapest car insurance companies after an at-fault accident in Sky Valley include AutoOwners Insurance Co and Country Financial, offering $301 and $465, respectively. Allstate is an expensive provider with an average six-month premium of $1978.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$50
Country Financial	$465	$78
Encompass	$513	$86
Central Insurance	$563	$96
Farm Bureau	$667	$111
Georgia Farm Bureau	$820	$140
Auto-Owners	$831	$140
USAA	$891	$150
Progressive	$1645	$277
State Farm	$1667	$281
Allstate	$1978	$333

Sky Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sky Valley GA. For example, the car insurance in Sky Valley after a DUI increases to $995 for a six month policy. While the rate increases by $312 for a six-month policy in the case of a speeding ticket.

Sky Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1169	$195
One Med/PIP claim	$1169	$199
One comp claim	$1175	$196
Two Med/PIP claims	$1175	$200
Not-at-fault accident	$1180	$197
Two comp claims	$1197	$203
Driving without lights	$1410	$235
Failure to wear a seat belt	$1410	$240
Child safety restraint	$1426	$237
Failure to show documents	$1426	$243
Cell phone violation	$1459	$243
Texting while driving	$1459	$248
Driving too slowly	$1481	$247
Speeding 6 - 10 MPH over limit	$1481	$252
Speeding in school zone	$1481	$247
Speeding 11 - 15 MPH over limit	$1487	$253
Driving with expired registration	$1492	$248
Failure to yield	$1492	$254
Following too closely	$1492	$248
Illegal turn	$1492	$254
Failure to stop at a red light	$1498	$249
Improper passing	$1498	$255
Speeding 16 - 20 MPH over limit	$1498	$249
Wrong way/wrong lane	$1498	$255
Speeding 21 - 25 MPH over limit	$1513	$252
Passing school bus	$1541	$262
In 65 MPH zone	$1547	$258
Open container	$1569	$267
At-fault accident - less than $1000	$1574	$262
Operating a vehicle without permission	$1595	$271
At-fault accident - $1000-$2000	$1716	$286
At-fault accident - greater than $2000	$1727	$293
Refusal to submit to a chemical test	$2022	$337
Reckless driving	$2082	$354
Racing	$2132	$355
Driving with a suspended license	$2137	$363
DUI	$2164	$361
Leaving scene of an accident/hit and run	$2219	$377

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 Sky Valley 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 Sky Valley.

The cheapest car insurance premiums in Sky Valley are offered by Mercury at $350 for a six-month policy. However, it can be as expensive as $1574 with companies like Progressive.

Sky Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$350	$60
Auto-Owners Insurance Co	$454	$75
Country Financial	$492	$83
Esurance P&C Ins Co	$678	$113
Auto-Owners	$1082	$182
Farm Bureau	$1175	$196
USAA	$1273	$214
Georgia Farm Bureau	$1317	$220
State Farm	$1426	$240
Allstate	$1508	$254
Progressive	$1574	$265

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 Sky Valley are offered by AutoOwners Insurance Co at $235. However, it can be as expensive as $1787 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Sky Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$235	$40
Country Financial	$257	$43
Mercury	$366	$63
Farm Bureau	$667	$111
Auto-Owners	$814	$138
USAA	$885	$147
State Farm	$1158	$197
Allstate	$1574	$262
Progressive	$1787	$304

Car Insurance Price Trends in Sky Valley, Georgia

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

The average cost of full coverage in the Sky Valley rose by $207 in December compared to $203 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 Sky Valley rose to $66 in December, compared to $63 in November. This represents an increase of $3 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 Sky Valley?

The car insurance in Sky Valley is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Sky Valley?

The cheapest car insurance in Sky Valley is $59 per month for full coverage.

How much is car insurance in Sky Valley for teenagers?

Car insurance for teenagers costs $290 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 Sky Valley?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $158 per month to insure your car in Sky Valley.

Is car insurance expensive in Sky Valley?

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

Cheapest Car Insurance Quotes in Sky Valley

Why you can trust Way?

How Much Is Car Insurance in Sky Valley

Avg. Car Insurance in Sky Valley

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Sky Valley

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Sky Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Sky Valley, GA

Way's key takeaways about car insurance in Sky Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sky Valley

Cheapest Liability Coverage in Sky Valley, GA

Cheapest Full Coverage Car Insurance in Sky Valley

Cheapest Full Coverage Car Insurance Quotes in Sky Valley, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sky Valley by Rating Factor

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

Car Insurance Premiums by Age in Sky Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sky Valley,GA

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

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 Sky Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Sky Valley

Sky Valley Car Insurance Rates by Violation

Sky Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sky Valley after a DUI

Sky Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sky Valley after Speeding ticket

Car Insurance Price Trends in Sky Valley, Georgia

Average Car Insurance Cost in Sky Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sky Valley, GA

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

Featured Blogs

Data Sources