Cheapest Car Insurance Quotes in St. Marys

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St. Marys Car Insurance

^$ 30

/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 St. Marys

The car insurance rate in St. Marys is $863 for a six-month policy, which is $190 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $307, making it a popular choice for budget-conscious drivers. Rates in St. Marys 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 St. Marys

$863

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in St. Marys

1st place: Country Financial

At $307 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 $404 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 $595 for six months, making it the third cheapest auto insurance company in St. Marys.

St. Marys Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Marys, GA is Country Financial, offering policies at just $307 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $404.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1388 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Marys drivers find the best deals.

Cheap Car Insurance Companies in St. Marys, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$307	$51
Auto-Owners Insurance Co	$404	$69
Georgia Farm Bureau	$595	$99
Farm Bureau	$653	$111
Auto-Owners	$916	$154
USAA	$916	$154
Progressive	$945	$159
Mercury	$1091	$185
Allstate	$1115	$188
Esurance P&C Ins Co	$1174	$199
State Farm	$1388	$234

Key Takeaways

Way's key takeaways about car insurance in St. Marys

The auto insurance costs in St. Marys fall around $307 for six months.
The cheapest auto insurance company in St. Marys is AutoOwners Insurance Co.
Teen drivers pay the highest rate in St. Marys at $832 per month.

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Cheapest Minimum Liability Car Insurance in St. Marys

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 St. Marys are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in St. Marys. Their Average 6 Month Premium is $180. State Farm is the most expensive at $638 for the same period.

Cheapest Liability Coverage in St. Marys, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$180	$30
Georgia Farm Bureau	$244	$41
Farm Bureau	$268	$46
Mercury	$292	$49
Auto-Owners	$302	$51
Country Financial	$312	$52
USAA	$336	$57
Progressive	$341	$57
Central Insurance	$380	$65
Allstate	$550	$92
State Farm	$638	$107

Cheapest Full Coverage Car Insurance in St. Marys

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 St. Marys is Country Financial at $51 per month and $307 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Marys, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$307	$51
Auto-Owners Insurance Co	$404	$69
Georgia Farm Bureau	$595	$99
Farm Bureau	$653	$111
Auto-Owners	$916	$154
USAA	$916	$154
Progressive	$945	$159
Mercury	$1091	$185
Allstate	$1115	$188
Esurance P&C Ins Co	$1174	$199
State Farm	$1388	$234

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Average Car Insurance in St. Marys 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 St. Marys, GA increasing?

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

Car Insurance Premiums by Age in St. Marys

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 St. Marys,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 St. Marys at $43 per month. At $4944 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	$258	$43
Mercury	$307	$52
Country Financial	$366	$61
Central Insurance	$380	$65
USAA	$1515	$255
Georgia Farm Bureau	$1651	$280
Auto-Owners	$1753	$295
Farm Bureau	$2099	$357
Allstate	$3877	$646
Progressive	$4944	$832
State Farm	$4944	$832

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 St. Marys, Country Financial is the cheapest car insurance provider. At $253 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 St. Marys is Allstate, offering rates of around $2075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$253	$42
Mercury	$297	$51
Farm Bureau	$653	$109
Progressive	$1237	$211
USAA	$1320	$220
Auto-Owners	$2406	$409
State Farm	$5310	$885
Allstate	$2075	$346

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Car Insurance Rates with An Accident in St. Marys

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

Cheapest Car Insurance Companies after an At-Fault Accident in St. Marys

The cheapest car insurance companies after an at-fault accident in St. Marys include AutoOwners Insurance Co and Country Financial, offering $268 and $414, respectively. State Farm is an expensive provider with an average six-month premium of $1700.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$44
Country Financial	$414	$70
Encompass	$458	$76
Central Insurance	$502	$85
Farm Bureau	$716	$120
Georgia Farm Bureau	$731	$125
Auto-Owners	$809	$136
USAA	$823	$139
Progressive	$1174	$198
Allstate	$1554	$264
State Farm	$1700	$286

St. Marys Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Marys GA. For example, the car insurance in St. Marys after a DUI increases to $887 for a six month policy. While the rate increases by $278 for a six-month policy in the case of a speeding ticket.

St. Marys auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$174
One Med/PIP claim	$1042	$177
One comp claim	$1047	$175
Two Med/PIP claims	$1047	$178
Not-at-fault accident	$1052	$175
Two comp claims	$1067	$181
Driving without lights	$1257	$209
Failure to wear a seat belt	$1257	$214
Child safety restraint	$1271	$212
Failure to show documents	$1271	$216
Cell phone violation	$1301	$216
Texting while driving	$1301	$221
Driving too slowly	$1320	$220
Speeding 6 - 10 MPH over limit	$1320	$225
Speeding in school zone	$1320	$220
Speeding 11 - 15 MPH over limit	$1325	$226
Driving with expired registration	$1330	$221
Failure to yield	$1330	$226
Following too closely	$1330	$221
Illegal turn	$1330	$226
Failure to stop at a red light	$1335	$222
Improper passing	$1335	$227
Speeding 16 - 20 MPH over limit	$1335	$222
Wrong way/wrong lane	$1335	$227
Speeding 21 - 25 MPH over limit	$1349	$225
Passing school bus	$1374	$234
In 65 MPH zone	$1378	$230
Open container	$1398	$238
At-fault accident - less than $1000	$1403	$234
Operating a vehicle without permission	$1422	$242
At-fault accident - $1000-$2000	$1529	$255
At-fault accident - greater than $2000	$1539	$262
Refusal to submit to a chemical test	$1802	$300
Reckless driving	$1856	$316
Racing	$1900	$317
Driving with a suspended license	$1905	$324
DUI	$1929	$321
Leaving scene of an accident/hit and run	$1978	$336

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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 St. Marys 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 St. Marys.

The cheapest car insurance premiums in St. Marys are offered by Mercury at $312 for a six-month policy. However, it can be as expensive as $1579 with companies like State Farm.

St. Marys car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$312	$53
Auto-Owners Insurance Co	$404	$67
Country Financial	$439	$74
Esurance P&C Ins Co	$604	$101
Allstate	$994	$169
Auto-Owners	$1087	$183
Georgia Farm Bureau	$1174	$199
Progressive	$1178	$198
USAA	$1198	$202
Farm Bureau	$1271	$212
State Farm	$1579	$266

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 St. Marys are offered by AutoOwners Insurance Co at $209. However, it can be as expensive as $1403 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in St. Marys after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Country Financial	$229	$39
Mercury	$326	$54
Farm Bureau	$716	$121
USAA	$901	$150
Auto-Owners	$926	$157
Progressive	$974	$162
State Farm	$1491	$253
Allstate	$1403	$234

Car Insurance Price Trends in St. Marys, Georgia

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

The average cost of full coverage in the St. Marys remained steady at $175 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Marys remained steady at $58 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Marys?

The car insurance in St. Marys is $30 per month, which is lower than the national average.

What is the cheapest car insurance in St. Marys?

The cheapest car insurance in St. Marys is $51 per month for full coverage.

How much is car insurance in St. Marys for teenagers?

Car insurance for teenagers costs $258 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 St. Marys?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $145 per month to insure your car in St. Marys.

Is car insurance expensive in St. Marys?

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

Cheapest Car Insurance Quotes in St. Marys

Why you can trust Way?

How Much Is Car Insurance in St. Marys

Avg. Car Insurance in St. Marys

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in St. Marys

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

St. Marys Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Marys, GA

Way's key takeaways about car insurance in St. Marys

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Marys

Cheapest Liability Coverage in St. Marys, GA

Cheapest Full Coverage Car Insurance in St. Marys

Cheapest Full Coverage Car Insurance Quotes in St. Marys, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Marys by Rating Factor

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

Car Insurance Premiums by Age in St. Marys

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. Marys,GA

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

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 St. Marys

Cheapest Car Insurance Companies after an At-Fault Accident in St. Marys

St. Marys Car Insurance Rates by Violation

St. Marys auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Marys after a DUI

St. Marys car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Marys after Speeding ticket

Car Insurance Price Trends in St. Marys, Georgia

Average Car Insurance Cost in St. Marys by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. Marys, GA

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

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