Cheapest Car Insurance Quotes in Smyrna

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Smyrna Car Insurance

^$ 46

/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 Smyrna

The car insurance rate in Smyrna is $1306 for a six-month policy, which is $253 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Smyrna 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 Smyrna

$1306

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Smyrna

1st place: Country Financial

At $464 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 $611 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 $899 for six months, making it the third cheapest auto insurance company in Smyrna.

Smyrna Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smyrna, GA is Country Financial, offering policies at just $464 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $611.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2099 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smyrna drivers find the best deals.

Cheap Car Insurance Companies in Smyrna, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$464	$77
Auto-Owners Insurance Co	$611	$104
Georgia Farm Bureau	$899	$150
Farm Bureau	$987	$167
Auto-Owners	$1385	$233
USAA	$1385	$233
Progressive	$1428	$241
Mercury	$1650	$280
Allstate	$1686	$284
Esurance P&C Ins Co	$1776	$301
State Farm	$2099	$353

Key Takeaways

Way's key takeaways about car insurance in Smyrna

The auto insurance costs in Smyrna fall around $464 for six months.
The cheapest auto insurance company in Smyrna is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Smyrna at $1259 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Smyrna

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 Smyrna are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Smyrna. Their Average 6 Month Premium is $273. State Farm is the most expensive at $965 for the same period.

Cheapest Liability Coverage in Smyrna, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$273	$46
Georgia Farm Bureau	$368	$62
Farm Bureau	$405	$69
Mercury	$441	$74
Auto-Owners	$456	$77
Country Financial	$471	$79
USAA	$508	$86
Progressive	$516	$87
Central Insurance	$574	$98
Allstate	$832	$139
State Farm	$965	$162

Cheapest Full Coverage Car Insurance in Smyrna

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 Smyrna is Country Financial at $77 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smyrna, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$464	$77
Auto-Owners Insurance Co	$611	$104
Georgia Farm Bureau	$899	$150
Farm Bureau	$987	$167
Auto-Owners	$1385	$233
USAA	$1385	$233
Progressive	$1428	$241
Mercury	$1650	$280
Allstate	$1686	$284
Esurance P&C Ins Co	$1776	$301
State Farm	$2099	$353

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Average Car Insurance in Smyrna 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 Smyrna, GA increasing?

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

Car Insurance Premiums by Age in Smyrna

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 Smyrna,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 Smyrna at $64 per month. At $7476 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	$391	$64
Mercury	$464	$79
Country Financial	$553	$93
Central Insurance	$574	$98
USAA	$2290	$386
Georgia Farm Bureau	$2497	$424
Auto-Owners	$2651	$446
Farm Bureau	$3174	$539
Allstate	$5863	$977
Progressive	$7476	$1259
State Farm	$7476	$1259

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 Smyrna, Country Financial is the cheapest car insurance provider. At $383 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 Smyrna is Allstate, offering rates of around $3137 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$383	$63
Mercury	$449	$77
Farm Bureau	$987	$165
Progressive	$1871	$319
USAA	$1996	$332
Auto-Owners	$3638	$619
State Farm	$8029	$1338
Allstate	$3137	$523

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Car Insurance Rates with An Accident in Smyrna

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

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

The cheapest car insurance companies after an at-fault accident in Smyrna include AutoOwners Insurance Co and Country Financial, offering $405 and $626, respectively. State Farm is an expensive provider with an average six-month premium of $2571.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$405	$67
Country Financial	$626	$105
Encompass	$692	$115
Central Insurance	$759	$129
Farm Bureau	$1083	$181
Georgia Farm Bureau	$1105	$188
Auto-Owners	$1223	$206
USAA	$1245	$210
Progressive	$1776	$299
Allstate	$2350	$399
State Farm	$2571	$433

Smyrna Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smyrna GA. For example, the car insurance in Smyrna after a DUI increases to $1340 for a six month policy. While the rate increases by $420 for a six-month policy in the case of a speeding ticket.

Smyrna auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1576	$263
One Med/PIP claim	$1576	$268
One comp claim	$1583	$264
Two Med/PIP claims	$1583	$269
Not-at-fault accident	$1591	$265
Two comp claims	$1613	$274
Driving without lights	$1901	$316
Failure to wear a seat belt	$1901	$324
Child safety restraint	$1922	$320
Failure to show documents	$1922	$327
Cell phone violation	$1967	$327
Texting while driving	$1967	$335
Driving too slowly	$1996	$332
Speeding 6 - 10 MPH over limit	$1996	$340
Speeding in school zone	$1996	$332
Speeding 11 - 15 MPH over limit	$2004	$341
Driving with expired registration	$2011	$335
Failure to yield	$2011	$342
Following too closely	$2011	$335
Illegal turn	$2011	$342
Failure to stop at a red light	$2019	$336
Improper passing	$2019	$343
Speeding 16 - 20 MPH over limit	$2019	$336
Wrong way/wrong lane	$2019	$343
Speeding 21 - 25 MPH over limit	$2040	$340
Passing school bus	$2077	$353
In 65 MPH zone	$2084	$347
Open container	$2114	$360
At-fault accident - less than $1000	$2122	$353
Operating a vehicle without permission	$2150	$366
At-fault accident - $1000-$2000	$2313	$386
At-fault accident - greater than $2000	$2327	$396
Refusal to submit to a chemical test	$2726	$454
Reckless driving	$2806	$477
Racing	$2873	$479
Driving with a suspended license	$2881	$490
DUI	$2916	$486
Leaving scene of an accident/hit and run	$2991	$508

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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 Smyrna 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 Smyrna.

The cheapest car insurance premiums in Smyrna are offered by Mercury at $471 for a six-month policy. However, it can be as expensive as $2387 with companies like State Farm.

Smyrna car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$471	$81
Auto-Owners Insurance Co	$611	$102
Country Financial	$663	$112
Esurance P&C Ins Co	$914	$153
Allstate	$1503	$255
Auto-Owners	$1643	$277
Georgia Farm Bureau	$1776	$301
Progressive	$1782	$300
USAA	$1812	$305
Farm Bureau	$1922	$320
State Farm	$2387	$402

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 Smyrna are offered by AutoOwners Insurance Co at $316. However, it can be as expensive as $2122 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Smyrna after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$316	$53
Country Financial	$346	$58
Mercury	$494	$82
Farm Bureau	$1083	$184
USAA	$1363	$227
Auto-Owners	$1400	$238
Progressive	$1473	$246
State Farm	$2254	$383
Allstate	$2122	$353

Car Insurance Price Trends in Smyrna, Georgia

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

The average cost of full coverage in the Smyrna dipped by $265 in January compared to $279 of December. In other words, there has been an decrease by $14 when you compare January and December.

The average cost of liability insurance in the Smyrna dipped to $88 in January, compared to $89 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Smyrna?

The car insurance in Smyrna is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Smyrna?

The cheapest car insurance in Smyrna is $77 per month for full coverage.

How much is car insurance in Smyrna for teenagers?

Car insurance for teenagers costs $391 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 Smyrna?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $219 per month to insure your car in Smyrna.

Is car insurance expensive in Smyrna?

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

Cheapest Car Insurance Quotes in Smyrna

Why you can trust Way?

How Much Is Car Insurance in Smyrna

Avg. Car Insurance in Smyrna

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Smyrna

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Smyrna Car Insurance Rates by Company

Cheap Car Insurance Companies in Smyrna, GA

Way's key takeaways about car insurance in Smyrna

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smyrna

Cheapest Liability Coverage in Smyrna, GA

Cheapest Full Coverage Car Insurance in Smyrna

Cheapest Full Coverage Car Insurance Quotes in Smyrna, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smyrna by Rating Factor

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

Car Insurance Premiums by Age in Smyrna

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smyrna,GA

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

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 Smyrna

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

Smyrna Car Insurance Rates by Violation

Smyrna auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smyrna after a DUI

Smyrna car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smyrna after Speeding ticket

Car Insurance Price Trends in Smyrna, Georgia

Average Car Insurance Cost in Smyrna by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smyrna, GA

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

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