Cheapest Car Insurance Quotes in Stone Mountain

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Stone Mountain Car Insurance

^$ 59

/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 Stone Mountain

The car insurance rate in Stone Mountain is $1685 for a six-month policy, which is $632 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $598, making it a popular choice for budget-conscious drivers. Rates in Stone Mountain 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 Stone Mountain

$1685

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Stone Mountain

1st place: Country Financial

At $598 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 $789 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 $1160 for six months, making it the third cheapest auto insurance company in Stone Mountain.

Stone Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stone Mountain, GA is Country Financial, offering policies at just $598 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $789.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2709 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stone Mountain drivers find the best deals.

Cheap Car Insurance Companies in Stone Mountain, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$598	$99
Auto-Owners Insurance Co	$789	$134
Georgia Farm Bureau	$1160	$194
Farm Bureau	$1274	$216
Auto-Owners	$1787	$301
USAA	$1787	$301
Progressive	$1843	$310
Mercury	$2130	$362
Allstate	$2176	$366
Esurance P&C Ins Co	$2291	$389
State Farm	$2709	$456

Key Takeaways

Way's key takeaways about car insurance in Stone Mountain

The auto insurance costs in Stone Mountain fall around $598 for six months.
The cheapest auto insurance company in Stone Mountain is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Stone Mountain at $1624 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Stone Mountain

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 Stone Mountain are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Stone Mountain. Their Average 6 Month Premium is $352. State Farm is the most expensive at $1245 for the same period.

Cheapest Liability Coverage in Stone Mountain, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$59
Georgia Farm Bureau	$475	$80
Farm Bureau	$523	$90
Mercury	$570	$96
Auto-Owners	$589	$99
Country Financial	$608	$102
USAA	$656	$110
Progressive	$666	$112
Central Insurance	$741	$126
Allstate	$1074	$179
State Farm	$1245	$210

Cheapest Full Coverage Car Insurance in Stone Mountain

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 Stone Mountain is Country Financial at $99 per month and $598 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stone Mountain, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$598	$99
Auto-Owners Insurance Co	$789	$134
Georgia Farm Bureau	$1160	$194
Farm Bureau	$1274	$216
Auto-Owners	$1787	$301
USAA	$1787	$301
Progressive	$1843	$310
Mercury	$2130	$362
Allstate	$2176	$366
Esurance P&C Ins Co	$2291	$389
State Farm	$2709	$456

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Average Car Insurance in Stone Mountain 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 Stone Mountain, GA increasing?

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

Car Insurance Premiums by Age in Stone Mountain

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 Stone Mountain,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 Stone Mountain at $83 per month. At $9646 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	$504	$83
Mercury	$598	$102
Country Financial	$714	$120
Central Insurance	$741	$126
USAA	$2955	$498
Georgia Farm Bureau	$3222	$547
Auto-Owners	$3421	$576
Farm Bureau	$4096	$696
Allstate	$7565	$1261
Progressive	$9646	$1624
State Farm	$9646	$1624

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 Stone Mountain, Country Financial is the cheapest car insurance provider. At $494 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 Stone Mountain is Allstate, offering rates of around $4048 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$494	$82
Mercury	$579	$99
Farm Bureau	$1274	$213
Progressive	$2414	$411
USAA	$2576	$429
Auto-Owners	$4694	$798
State Farm	$10360	$1726
Allstate	$4048	$675

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Car Insurance Rates with An Accident in Stone Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stone Mountain

The cheapest car insurance companies after an at-fault accident in Stone Mountain include AutoOwners Insurance Co and Country Financial, offering $523 and $808, respectively. State Farm is an expensive provider with an average six-month premium of $3317.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$523	$86
Country Financial	$808	$136
Encompass	$893	$149
Central Insurance	$979	$166
Farm Bureau	$1397	$234
Georgia Farm Bureau	$1426	$243
Auto-Owners	$1578	$266
USAA	$1606	$270
Progressive	$2291	$386
Allstate	$3032	$515
State Farm	$3317	$558

Stone Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stone Mountain GA. For example, the car insurance in Stone Mountain after a DUI increases to $1729 for a six month policy. While the rate increases by $542 for a six-month policy in the case of a speeding ticket.

Stone Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2034	$339
One Med/PIP claim	$2034	$346
One comp claim	$2043	$341
Two Med/PIP claims	$2043	$347
Not-at-fault accident	$2053	$342
Two comp claims	$2082	$354
Driving without lights	$2453	$408
Failure to wear a seat belt	$2453	$418
Child safety restraint	$2480	$413
Failure to show documents	$2480	$422
Cell phone violation	$2538	$422
Texting while driving	$2538	$432
Driving too slowly	$2576	$429
Speeding 6 - 10 MPH over limit	$2576	$438
Speeding in school zone	$2576	$429
Speeding 11 - 15 MPH over limit	$2586	$440
Driving with expired registration	$2595	$432
Failure to yield	$2595	$442
Following too closely	$2595	$432
Illegal turn	$2595	$442
Failure to stop at a red light	$2605	$434
Improper passing	$2605	$443
Speeding 16 - 20 MPH over limit	$2605	$434
Wrong way/wrong lane	$2605	$443
Speeding 21 - 25 MPH over limit	$2632	$438
Passing school bus	$2680	$456
In 65 MPH zone	$2690	$448
Open container	$2728	$464
At-fault accident - less than $1000	$2738	$456
Operating a vehicle without permission	$2774	$472
At-fault accident - $1000-$2000	$2984	$498
At-fault accident - greater than $2000	$3003	$510
Refusal to submit to a chemical test	$3517	$586
Reckless driving	$3621	$616
Racing	$3707	$618
Driving with a suspended license	$3717	$632
DUI	$3763	$627
Leaving scene of an accident/hit and run	$3859	$656

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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 Stone Mountain 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 Stone Mountain.

The cheapest car insurance premiums in Stone Mountain are offered by Mercury at $608 for a six-month policy. However, it can be as expensive as $3080 with companies like State Farm.

Stone Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$608	$104
Auto-Owners Insurance Co	$789	$131
Country Financial	$856	$144
Esurance P&C Ins Co	$1179	$197
Allstate	$1939	$330
Auto-Owners	$2120	$357
Georgia Farm Bureau	$2291	$389
Progressive	$2299	$387
USAA	$2338	$394
Farm Bureau	$2480	$413
State Farm	$3080	$518

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 Stone Mountain are offered by AutoOwners Insurance Co at $408. However, it can be as expensive as $2738 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Stone Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$69
Country Financial	$446	$75
Mercury	$637	$106
Farm Bureau	$1397	$237
USAA	$1758	$293
Auto-Owners	$1806	$307
Progressive	$1901	$317
State Farm	$2909	$494
Allstate	$2738	$456

Car Insurance Price Trends in Stone Mountain, Georgia

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

The average cost of full coverage in the Stone Mountain dipped by $342 in January compared to $360 of December. In other words, there has been an decrease by $18 when you compare January and December.

The average cost of liability insurance in the Stone Mountain dipped to $114 in January, compared to $115 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 Stone Mountain?

The car insurance in Stone Mountain is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Stone Mountain?

The cheapest car insurance in Stone Mountain is $99 per month for full coverage.

How much is car insurance in Stone Mountain for teenagers?

Car insurance for teenagers costs $504 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 Stone Mountain?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $283 per month to insure your car in Stone Mountain.

Is car insurance expensive in Stone Mountain?

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

Cheapest Car Insurance Quotes in Stone Mountain

Why you can trust Way?

How Much Is Car Insurance in Stone Mountain

Avg. Car Insurance in Stone Mountain

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Stone Mountain

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Stone Mountain Car Insurance Rates by Company

Cheap Car Insurance Companies in Stone Mountain, GA

Way's key takeaways about car insurance in Stone Mountain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stone Mountain

Cheapest Liability Coverage in Stone Mountain, GA

Cheapest Full Coverage Car Insurance in Stone Mountain

Cheapest Full Coverage Car Insurance Quotes in Stone Mountain, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stone Mountain by Rating Factor

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

Car Insurance Premiums by Age in Stone Mountain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stone Mountain,GA

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

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 Stone Mountain

Cheapest Car Insurance Companies after an At-Fault Accident in Stone Mountain

Stone Mountain Car Insurance Rates by Violation

Stone Mountain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stone Mountain after a DUI

Stone Mountain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stone Mountain after Speeding ticket

Car Insurance Price Trends in Stone Mountain, Georgia

Average Car Insurance Cost in Stone Mountain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stone Mountain, GA

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