Cheapest Car Insurance Quotes in Social Circle

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399,755 Policies Sold

Social Circle Car Insurance

^$ 42

/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 $1170 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $426, 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

$1170

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Social Circle

1st place: Country Financial

At $426 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 $562 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 $751 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 $426 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $562.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1638 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	$426	$73
Auto-Owners Insurance Co	$562	$93
Farm Bureau	$751	$128
Georgia Farm Bureau	$826	$138
Auto-Owners	$1205	$203
USAA	$1246	$210
Progressive	$1469	$247
Mercury	$1517	$253
Allstate	$1598	$269
Esurance P&C Ins Co	$1632	$272
State Farm	$1638	$276

Key Takeaways

Way's key takeaways about car insurance in Social Circle

The auto insurance costs in Social Circle fall around $426 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 $1402 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 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 $251. Allstate is the most expensive at $860 for the same period.

Cheapest Liability Coverage in Social Circle, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$251	$42
Farm Bureau	$318	$54
Georgia Farm Bureau	$339	$57
Auto-Owners	$406	$68
Mercury	$406	$68
Country Financial	$433	$73
USAA	$454	$76
Progressive	$502	$84
Central Insurance	$528	$88
State Farm	$779	$131
Allstate	$860	$145

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 $73 per month and $426 for six months.

Cheapest Full Coverage Car Insurance Quotes in Social Circle, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$426	$73
Auto-Owners Insurance Co	$562	$93
Farm Bureau	$751	$128
Georgia Farm Bureau	$826	$138
Auto-Owners	$1205	$203
USAA	$1246	$210
Progressive	$1469	$247
Mercury	$1517	$253
Allstate	$1598	$269
Esurance P&C Ins Co	$1632	$272
State Farm	$1638	$276

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$809
30s	Georgia Farm Bureau	$648
40s	Georgia Farm Bureau	$621
50s	Georgia Farm Bureau	$595
60s	Georgia Farm Bureau	$591
70s	Georgia Farm Bureau	$715

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 $59 per month. At $8329 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	$359	$59
Mercury	$426	$73
Country Financial	$508	$85
Central Insurance	$528	$90
USAA	$2004	$337
Auto-Owners	$2201	$370
Georgia Farm Bureau	$2296	$383
Farm Bureau	$2397	$408
State Farm	$5938	$1000
Allstate	$5972	$1005
Progressive	$8329	$1402

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 Social Circle.

As young drivers face the highest rates in Social Circle, Georgia Farm Bureau offers the cheapest auto insurance rates at $809 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 Social Circle, Country Financial is the cheapest car insurance provider. At $352 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 State Farm, offering rates of around $5113 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$352	$58
Mercury	$413	$71
Farm Bureau	$751	$125
USAA	$1632	$277
Progressive	$2519	$420
Auto-Owners	$2648	$450
Allstate	$2884	$481
State Farm	$5113	$870

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Save up to $971/yr on car insurance rates in Social Circle.

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 $373 and $576, respectively. Allstate is an expensive provider with an average six-month premium of $2451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$373	$62
Country Financial	$576	$97
Encompass	$636	$106
Central Insurance	$698	$119
Farm Bureau	$826	$138
Georgia Farm Bureau	$1016	$173
Auto-Owners	$1029	$173
USAA	$1104	$186
Progressive	$2038	$343
State Farm	$2066	$348
Allstate	$2451	$413

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 $1232 for a six month policy. While the rate increases by $386 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	$1449	$242
One Med/PIP claim	$1449	$246
One comp claim	$1456	$243
Two Med/PIP claims	$1456	$247
Not-at-fault accident	$1463	$244
Two comp claims	$1483	$252
Driving without lights	$1748	$291
Failure to wear a seat belt	$1748	$298
Child safety restraint	$1767	$294
Failure to show documents	$1767	$301
Cell phone violation	$1808	$301
Texting while driving	$1808	$308
Driving too slowly	$1835	$306
Speeding 6 - 10 MPH over limit	$1835	$312
Speeding in school zone	$1835	$306
Speeding 11 - 15 MPH over limit	$1842	$314
Driving with expired registration	$1849	$308
Failure to yield	$1849	$315
Following too closely	$1849	$308
Illegal turn	$1849	$315
Failure to stop at a red light	$1856	$309
Improper passing	$1856	$316
Speeding 16 - 20 MPH over limit	$1856	$309
Wrong way/wrong lane	$1856	$316
Speeding 21 - 25 MPH over limit	$1875	$312
Passing school bus	$1909	$325
In 65 MPH zone	$1916	$319
Open container	$1944	$331
At-fault accident - less than $1000	$1951	$325
Operating a vehicle without permission	$1977	$336
At-fault accident - $1000-$2000	$2126	$355
At-fault accident - greater than $2000	$2140	$364
Refusal to submit to a chemical test	$2506	$417
Reckless driving	$2580	$439
Racing	$2641	$440
Driving with a suspended license	$2648	$450
DUI	$2681	$447
Leaving scene of an accident/hit and run	$2750	$467

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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 $433 for a six-month policy. However, it can be as expensive as $1951 with companies like Progressive.

Social Circle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$433	$74
Auto-Owners Insurance Co	$562	$93
Country Financial	$610	$103
Esurance P&C Ins Co	$840	$140
Auto-Owners	$1341	$226
Farm Bureau	$1456	$243
USAA	$1578	$266
Georgia Farm Bureau	$1632	$272
State Farm	$1767	$298
Allstate	$1868	$315
Progressive	$1951	$328

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 $291. However, it can be as expensive as $2214 with companies like Progressive 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	$291	$49
Country Financial	$318	$54
Mercury	$454	$78
Farm Bureau	$826	$138
Auto-Owners	$1009	$171
USAA	$1097	$182
State Farm	$1435	$244
Allstate	$1951	$325
Progressive	$2214	$376

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 rose by $257 in December compared to $252 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Social Circle rose to $82 in December, compared to $78 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Social Circle?

The car insurance in Social Circle is $42 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 $73 per month for full coverage.

How much is car insurance in Social Circle for teenagers?

Car insurance for teenagers costs $359 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 $1026 for a six-month policy. It will cost around $196 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: 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 Georgia Farm Bureau 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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