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Finding the cheapest car insurance quotes in Stephens shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Stephens
The car insurance rate in Stephens is $964 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $352, making it a popular choice for budget-conscious drivers. Rates in Stephens 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.
At $352 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 $463 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 $619
for six months, making it
the third cheapest auto insurance company in Stephens.
Stephens Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stephens, GA is Country Financial, offering policies at just $352 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $463.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1351 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stephens drivers find the best deals.
Way's key takeaways about car insurance in Stephens
The auto insurance costs in Stephens fall around $352 for six
months.
The cheapest auto insurance company in Stephens is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Stephens at $1156 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 Stephens
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 Stephens are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Stephens. Their Average 6 Month Premium is $207.
Allstate is the most
expensive at $709 for the same
period.
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 Stephens is Country Financial
at $60 per month and $352
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stephens,
GA
Get Your Car Insurance Quote in Stephens
Instantly!
Average Car Insurance in Stephens 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 Stephens, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stephens, 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, Stephens's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stephens
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
$667
30s
Georgia Farm Bureau
$534
40s
Georgia Farm Bureau
$512
50s
Georgia Farm Bureau
$491
60s
Georgia Farm Bureau
$487
70s
Georgia Farm Bureau
$589
Cheapest Car Insurance Rates for Teen Drivers in
Stephens,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 Stephens at $49
per
month. At $6868 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Stephens.
As young drivers face the highest rates in Stephens, Georgia Farm Bureau
offers the cheapest auto insurance rates at $667 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 Stephens,
Country Financial is
the cheapest car insurance provider. At $290 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
Stephens is State Farm, offering
rates of around $4216 for six
months.
Save up to $971/yr on car insurance rates in Stephens.
Car Insurance Rates with An Accident in Stephens
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 Stephens, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stephens
The cheapest car insurance companies after an at-fault accident in
Stephens include AutoOwners Insurance Co
and Country Financial, offering $307
and $475,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2021.
Here is a list of driving violations that can increase your car
insurance rates in Stephens GA. For example, the car
insurance in Stephens
after a DUI increases to $1016 for a six
month policy. While the rate increases by $318 for a six-month policy in the case of
a speeding ticket.
Stephens auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1195
$199
One Med/PIP claim
$1195
$203
One comp claim
$1200
$200
Two Med/PIP claims
$1200
$204
Not-at-fault accident
$1206
$201
Two comp claims
$1223
$208
Driving without lights
$1441
$240
Failure to wear a seat belt
$1441
$245
Child safety restraint
$1457
$243
Failure to show documents
$1457
$248
Cell phone violation
$1491
$248
Texting while driving
$1491
$254
Driving too slowly
$1513
$252
Speeding 6 - 10 MPH over limit
$1513
$258
Speeding in school zone
$1513
$252
Speeding 11 - 15 MPH over limit
$1519
$259
Driving with expired registration
$1525
$254
Failure to yield
$1525
$259
Following too closely
$1525
$254
Illegal turn
$1525
$259
Failure to stop at a red light
$1530
$255
Improper passing
$1530
$260
Speeding 16 - 20 MPH over limit
$1530
$255
Wrong way/wrong lane
$1530
$260
Speeding 21 - 25 MPH over limit
$1546
$258
Passing school bus
$1575
$268
In 65 MPH zone
$1580
$263
Open container
$1603
$273
At-fault accident - less than $1000
$1608
$268
Operating a vehicle without permission
$1630
$277
At-fault accident - $1000-$2000
$1753
$292
At-fault accident - greater than $2000
$1764
$300
Refusal to submit to a chemical test
$2066
$344
Reckless driving
$2127
$362
Racing
$2178
$363
Driving with a suspended license
$2184
$371
DUI
$2211
$368
Leaving scene of an accident/hit and run
$2267
$385
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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 Stephens 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 Stephens.
The cheapest car insurance premiums in
Stephens are
offered by Mercury at $357 for a six-month policy.
However, it can be as
expensive as $1608 with companies
like Progressive.
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 Stephens are offered by AutoOwners Insurance Co
at $240. However,
it can be as expensive as $1825
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Stephens after Speeding ticket
Car insurance rates in Stephens have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stephens rose by
$212 in December
compared to $208 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 Stephens rose to $68 in December,
compared to $64 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Stephens by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Stephens. At $1928 for a
six-month policy, insuring
your car at 30667 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Stephens?
The car insurance in Stephens is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Stephens?
The cheapest car insurance in Stephens
is $60 per month
for full coverage.
How much is car insurance in Stephens for teenagers?
Car insurance for teenagers costs $296 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
Stephens?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $162 per month to insure your
car in Stephens.
Is car insurance expensive in Stephens?
Car insurance can be expensive in Stephens if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stephens can be
affordable.
What is the best car insurance in Stephens,
GA?
The best car insurance company in Stephens
GA is
Country Financial, offering $352 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stephens, GA
Car Insurance Rates by State in the USA (2025 Update)
Stephens Car Insurance
