Cheapest Car Insurance Quotes in Statham

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Statham Car Insurance

^$ 39

/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 Statham

The car insurance rate in Statham is $1077 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $393, making it a popular choice for budget-conscious drivers. Rates in Statham 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 Statham

$1077

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Statham

1st place: Country Financial

At $393 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 $518 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 $692 for six months, making it the third cheapest auto insurance company in Statham.

Statham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Statham, GA is Country Financial, offering policies at just $393 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $518.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1509 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Statham drivers find the best deals.

Cheap Car Insurance Companies in Statham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$393	$67
Auto-Owners Insurance Co	$518	$86
Farm Bureau	$692	$118
Georgia Farm Bureau	$761	$127
Auto-Owners	$1110	$187
USAA	$1148	$193
Progressive	$1353	$228
Mercury	$1398	$233
Allstate	$1472	$248
Esurance P&C Ins Co	$1504	$251
State Farm	$1509	$254

Key Takeaways

Way's key takeaways about car insurance in Statham

The auto insurance costs in Statham fall around $393 for six months.
The cheapest auto insurance company in Statham is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Statham at $1292 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 Statham

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 Statham are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Statham. Their Average 6 Month Premium is $231. Allstate is the most expensive at $792 for the same period.

Cheapest Liability Coverage in Statham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$231	$39
Farm Bureau	$293	$49
Georgia Farm Bureau	$312	$53
Auto-Owners	$374	$63
Mercury	$374	$63
Country Financial	$399	$67
USAA	$418	$70
Progressive	$462	$78
Central Insurance	$486	$81
State Farm	$717	$121
Allstate	$792	$133

Cheapest Full Coverage Car Insurance in Statham

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 Statham is Country Financial at $67 per month and $393 for six months.

Cheapest Full Coverage Car Insurance Quotes in Statham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$393	$67
Auto-Owners Insurance Co	$518	$86
Farm Bureau	$692	$118
Georgia Farm Bureau	$761	$127
Auto-Owners	$1110	$187
USAA	$1148	$193
Progressive	$1353	$228
Mercury	$1398	$233
Allstate	$1472	$248
Esurance P&C Ins Co	$1504	$251
State Farm	$1509	$254

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Average Car Insurance in Statham 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 Statham, GA increasing?

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

Car Insurance Premiums by Age in Statham

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	$746
30s	Georgia Farm Bureau	$596
40s	Georgia Farm Bureau	$572
50s	Georgia Farm Bureau	$548
60s	Georgia Farm Bureau	$544
70s	Georgia Farm Bureau	$658

Cheapest Car Insurance Rates for Teen Drivers in Statham,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 Statham at $55 per month. At $7671 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	$331	$55
Mercury	$393	$67
Country Financial	$468	$79
Central Insurance	$486	$83
USAA	$1846	$311
Auto-Owners	$2028	$341
Georgia Farm Bureau	$2115	$353
Farm Bureau	$2208	$376
State Farm	$5469	$921
Allstate	$5501	$926
Progressive	$7671	$1292

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 Statham.

As young drivers face the highest rates in Statham, Georgia Farm Bureau offers the cheapest auto insurance rates at $746 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 Statham, Country Financial is the cheapest car insurance provider. At $324 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 Statham is State Farm, offering rates of around $4709 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$324	$54
Mercury	$380	$65
Farm Bureau	$692	$116
USAA	$1504	$255
Progressive	$2321	$386
Auto-Owners	$2439	$415
Allstate	$2657	$443
State Farm	$4709	$801

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

Car Insurance Rates with An Accident in Statham

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

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

The cheapest car insurance companies after an at-fault accident in Statham include AutoOwners Insurance Co and Country Financial, offering $343 and $530, respectively. Allstate is an expensive provider with an average six-month premium of $2258.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$57
Country Financial	$530	$89
Encompass	$586	$98
Central Insurance	$643	$109
Farm Bureau	$761	$127
Georgia Farm Bureau	$936	$160
Auto-Owners	$948	$160
USAA	$1016	$171
Progressive	$1877	$316
State Farm	$1903	$320
Allstate	$2258	$380

Statham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Statham GA. For example, the car insurance in Statham after a DUI increases to $1135 for a six month policy. While the rate increases by $356 for a six-month policy in the case of a speeding ticket.

Statham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1335	$223
One Med/PIP claim	$1335	$227
One comp claim	$1341	$224
Two Med/PIP claims	$1341	$228
Not-at-fault accident	$1347	$225
Two comp claims	$1366	$232
Driving without lights	$1610	$268
Failure to wear a seat belt	$1610	$274
Child safety restraint	$1628	$271
Failure to show documents	$1628	$277
Cell phone violation	$1665	$277
Texting while driving	$1665	$284
Driving too slowly	$1691	$281
Speeding 6 - 10 MPH over limit	$1691	$288
Speeding in school zone	$1691	$281
Speeding 11 - 15 MPH over limit	$1697	$289
Driving with expired registration	$1703	$284
Failure to yield	$1703	$290
Following too closely	$1703	$284
Illegal turn	$1703	$290
Failure to stop at a red light	$1709	$285
Improper passing	$1709	$291
Speeding 16 - 20 MPH over limit	$1709	$285
Wrong way/wrong lane	$1709	$291
Speeding 21 - 25 MPH over limit	$1727	$288
Passing school bus	$1759	$299
In 65 MPH zone	$1765	$294
Open container	$1790	$305
At-fault accident - less than $1000	$1797	$299
Operating a vehicle without permission	$1821	$310
At-fault accident - $1000-$2000	$1958	$327
At-fault accident - greater than $2000	$1971	$335
Refusal to submit to a chemical test	$2308	$384
Reckless driving	$2376	$404
Racing	$2433	$405
Driving with a suspended license	$2439	$415
DUI	$2470	$412
Leaving scene of an accident/hit and run	$2533	$431

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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 Statham 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 Statham.

The cheapest car insurance premiums in Statham are offered by Mercury at $399 for a six-month policy. However, it can be as expensive as $1797 with companies like Progressive.

Statham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$399	$68
Auto-Owners Insurance Co	$518	$86
Country Financial	$562	$95
Esurance P&C Ins Co	$774	$129
Auto-Owners	$1235	$208
Farm Bureau	$1341	$224
USAA	$1453	$245
Georgia Farm Bureau	$1504	$251
State Farm	$1628	$274
Allstate	$1721	$290
Progressive	$1797	$302

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 Statham are offered by AutoOwners Insurance Co at $268. However, it can be as expensive as $2039 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Statham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$268	$45
Country Financial	$293	$49
Mercury	$418	$71
Farm Bureau	$761	$127
Auto-Owners	$929	$158
USAA	$1010	$168
State Farm	$1322	$225
Allstate	$1797	$299
Progressive	$2039	$347

Car Insurance Price Trends in Statham, Georgia

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

The average cost of full coverage in the Statham rose by $236 in December compared to $232 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 Statham rose to $76 in December, compared to $71 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Statham?

The car insurance in Statham is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Statham?

The cheapest car insurance in Statham is $67 per month for full coverage.

How much is car insurance in Statham for teenagers?

Car insurance for teenagers costs $331 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 Statham?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $181 per month to insure your car in Statham.

Is car insurance expensive in Statham?

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

Cheapest Car Insurance Quotes in Statham

Why you can trust Way?

How Much Is Car Insurance in Statham

Avg. Car Insurance in Statham

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Statham

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Statham Car Insurance Rates by Company

Cheap Car Insurance Companies in Statham, GA

Way's key takeaways about car insurance in Statham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Statham

Cheapest Liability Coverage in Statham, GA

Cheapest Full Coverage Car Insurance in Statham

Cheapest Full Coverage Car Insurance Quotes in Statham, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Statham by Rating Factor

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

Car Insurance Premiums by Age in Statham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Statham,GA

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

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 Statham

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

Statham Car Insurance Rates by Violation

Statham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Statham after a DUI

Statham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Statham after Speeding ticket

Car Insurance Price Trends in Statham, Georgia

Average Car Insurance Cost in Statham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Statham, GA

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

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