Cheapest Car Insurance Quotes in Social Circle

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Social Circle Car Insurance

^$ 47

/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 Social Circle

The car insurance rate in Social Circle is $1337 for a six-month policy, which is $284 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Social Circle 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 Social Circle

$1337

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Social Circle

1st place: Country Financial

At $475 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 $626 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 $921 for six months, making it the third cheapest auto insurance company in Social Circle.

Social Circle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Social Circle, GA is Country Financial, offering policies at just $475 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $626.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2150 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Social Circle drivers find the best deals.

Cheap Car Insurance Companies in Social Circle, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$475	$79
Auto-Owners Insurance Co	$626	$107
Georgia Farm Bureau	$921	$154
Farm Bureau	$1011	$171
Auto-Owners	$1419	$239
USAA	$1419	$239
Progressive	$1463	$246
Mercury	$1690	$287
Allstate	$1727	$291
Esurance P&C Ins Co	$1819	$309
State Farm	$2150	$362

Key Takeaways

Way's key takeaways about car insurance in Social Circle

The auto insurance costs in Social Circle fall around $475 for six months.
The cheapest auto insurance company in Social Circle is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Social Circle at $1289 per month.

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Cheapest Minimum Liability Car Insurance in Social Circle

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 Social Circle are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Social Circle. Their Average 6 Month Premium is $279. State Farm is the most expensive at $988 for the same period.

Cheapest Liability Coverage in Social Circle, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$47
Georgia Farm Bureau	$377	$64
Farm Bureau	$415	$71
Mercury	$452	$76
Auto-Owners	$467	$79
Country Financial	$483	$81
USAA	$521	$88
Progressive	$528	$89
Central Insurance	$588	$100
Allstate	$852	$142
State Farm	$988	$166

Cheapest Full Coverage Car Insurance in Social Circle

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 Social Circle is Country Financial at $79 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Social Circle, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$475	$79
Auto-Owners Insurance Co	$626	$107
Georgia Farm Bureau	$921	$154
Farm Bureau	$1011	$171
Auto-Owners	$1419	$239
USAA	$1419	$239
Progressive	$1463	$246
Mercury	$1690	$287
Allstate	$1727	$291
Esurance P&C Ins Co	$1819	$309
State Farm	$2150	$362

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Average Car Insurance in Social Circle 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 Social Circle, GA increasing?

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

Car Insurance Premiums by Age in Social Circle

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 Social Circle,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 Social Circle at $66 per month. At $7657 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	$400	$66
Mercury	$475	$81
Country Financial	$566	$95
Central Insurance	$588	$100
USAA	$2346	$395
Georgia Farm Bureau	$2558	$434
Auto-Owners	$2715	$457
Farm Bureau	$3251	$552
Allstate	$6005	$1001
Progressive	$7657	$1289
State Farm	$7657	$1289

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 Social Circle, Country Financial is the cheapest car insurance provider. At $392 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 Social Circle is Allstate, offering rates of around $3213 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$392	$65
Mercury	$460	$79
Farm Bureau	$1011	$169
Progressive	$1916	$326
USAA	$2045	$340
Auto-Owners	$3726	$634
State Farm	$8223	$1370
Allstate	$3213	$536

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Car Insurance Rates with An Accident in Social Circle

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

Cheapest Car Insurance Companies after an At-Fault Accident in Social Circle

The cheapest car insurance companies after an at-fault accident in Social Circle include AutoOwners Insurance Co and Country Financial, offering $415 and $641, respectively. State Farm is an expensive provider with an average six-month premium of $2633.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$415	$69
Country Financial	$641	$108
Encompass	$709	$118
Central Insurance	$777	$132
Farm Bureau	$1109	$185
Georgia Farm Bureau	$1132	$193
Auto-Owners	$1252	$211
USAA	$1275	$215
Progressive	$1819	$306
Allstate	$2407	$409
State Farm	$2633	$443

Social Circle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Social Circle GA. For example, the car insurance in Social Circle after a DUI increases to $1373 for a six month policy. While the rate increases by $431 for a six-month policy in the case of a speeding ticket.

Social Circle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1614	$269
One Med/PIP claim	$1614	$274
One comp claim	$1622	$271
Two Med/PIP claims	$1622	$276
Not-at-fault accident	$1629	$272
Two comp claims	$1652	$281
Driving without lights	$1947	$324
Failure to wear a seat belt	$1947	$331
Child safety restraint	$1969	$328
Failure to show documents	$1969	$335
Cell phone violation	$2014	$335
Texting while driving	$2014	$343
Driving too slowly	$2045	$340
Speeding 6 - 10 MPH over limit	$2045	$348
Speeding in school zone	$2045	$340
Speeding 11 - 15 MPH over limit	$2052	$349
Driving with expired registration	$2060	$343
Failure to yield	$2060	$351
Following too closely	$2060	$343
Illegal turn	$2060	$351
Failure to stop at a red light	$2068	$344
Improper passing	$2068	$352
Speeding 16 - 20 MPH over limit	$2068	$344
Wrong way/wrong lane	$2068	$352
Speeding 21 - 25 MPH over limit	$2089	$348
Passing school bus	$2127	$362
In 65 MPH zone	$2135	$356
Open container	$2165	$368
At-fault accident - less than $1000	$2173	$362
Operating a vehicle without permission	$2202	$375
At-fault accident - $1000-$2000	$2369	$395
At-fault accident - greater than $2000	$2384	$405
Refusal to submit to a chemical test	$2791	$465
Reckless driving	$2874	$489
Racing	$2943	$490
Driving with a suspended license	$2950	$502
DUI	$2987	$498
Leaving scene of an accident/hit and run	$3063	$521

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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 Social Circle 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 Social Circle.

The cheapest car insurance premiums in Social Circle are offered by Mercury at $483 for a six-month policy. However, it can be as expensive as $2445 with companies like State Farm.

Social Circle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$483	$83
Auto-Owners Insurance Co	$626	$104
Country Financial	$679	$114
Esurance P&C Ins Co	$936	$156
Allstate	$1539	$262
Auto-Owners	$1683	$283
Georgia Farm Bureau	$1819	$309
Progressive	$1825	$307
USAA	$1855	$312
Farm Bureau	$1969	$328
State Farm	$2445	$411

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 Social Circle are offered by AutoOwners Insurance Co at $324. However, it can be as expensive as $2173 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Social Circle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$55
Country Financial	$354	$60
Mercury	$505	$84
Farm Bureau	$1109	$188
USAA	$1396	$232
Auto-Owners	$1434	$244
Progressive	$1509	$251
State Farm	$2309	$392
Allstate	$2173	$362

Car Insurance Price Trends in Social Circle, Georgia

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

The average cost of full coverage in the Social Circle dipped by $272 in January compared to $286 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 Social Circle dipped to $90 in January, compared to $91 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 Social Circle?

The car insurance in Social Circle is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Social Circle?

The cheapest car insurance in Social Circle is $79 per month for full coverage.

How much is car insurance in Social Circle for teenagers?

Car insurance for teenagers costs $400 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 Social Circle?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $225 per month to insure your car in Social Circle.

Is car insurance expensive in Social Circle?

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

Cheapest Car Insurance Quotes in Social Circle

Why you can trust Way?

How Much Is Car Insurance in Social Circle

Avg. Car Insurance in Social Circle

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Social Circle

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Social Circle Car Insurance Rates by Company

Cheap Car Insurance Companies in Social Circle, GA

Way's key takeaways about car insurance in Social Circle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Social Circle

Cheapest Liability Coverage in Social Circle, GA

Cheapest Full Coverage Car Insurance in Social Circle

Cheapest Full Coverage Car Insurance Quotes in Social Circle, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Social Circle by Rating Factor

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

Car Insurance Premiums by Age in Social Circle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Social Circle,GA

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

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 Social Circle

Cheapest Car Insurance Companies after an At-Fault Accident in Social Circle

Social Circle Car Insurance Rates by Violation

Social Circle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Social Circle after a DUI

Social Circle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Social Circle after Speeding ticket

Car Insurance Price Trends in Social Circle, Georgia

Average Car Insurance Cost in Social Circle by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Social Circle, GA

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

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