Cheapest Car Insurance Quotes in Stone Mountain

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Stone Mountain Car Insurance

^$ 56

/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 $1539 for a six-month policy, which is $513 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $561, 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

$1539

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Stone Mountain

1st place: Country Financial

At $561 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 $740 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 $989 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 $561 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $740.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2156 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	$561	$96
Auto-Owners Insurance Co	$740	$123
Farm Bureau	$989	$168
Georgia Farm Bureau	$1088	$182
Auto-Owners	$1586	$267
USAA	$1640	$276
Progressive	$1934	$326
Mercury	$1997	$333
Allstate	$2103	$354
Esurance P&C Ins Co	$2148	$359
State Farm	$2156	$363

Key Takeaways

Way's key takeaways about car insurance in Stone Mountain

The auto insurance costs in Stone Mountain fall around $561 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 $1845 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 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 $330. Allstate is the most expensive at $1131 for the same period.

Cheapest Liability Coverage in Stone Mountain, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$330	$56
Farm Bureau	$419	$71
Georgia Farm Bureau	$446	$75
Auto-Owners	$534	$90
Mercury	$534	$90
Country Financial	$570	$96
USAA	$597	$101
Progressive	$660	$111
Central Insurance	$695	$116
State Farm	$1025	$173
Allstate	$1131	$191

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 $96 per month and $561 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stone Mountain, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$561	$96
Auto-Owners Insurance Co	$740	$123
Farm Bureau	$989	$168
Georgia Farm Bureau	$1088	$182
Auto-Owners	$1586	$267
USAA	$1640	$276
Progressive	$1934	$326
Mercury	$1997	$333
Allstate	$2103	$354
Esurance P&C Ins Co	$2148	$359
State Farm	$2156	$363

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1065
30s	Georgia Farm Bureau	$852
40s	Georgia Farm Bureau	$818
50s	Georgia Farm Bureau	$783
60s	Georgia Farm Bureau	$777
70s	Georgia Farm Bureau	$941

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 $78 per month. At $10959 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	$473	$78
Mercury	$561	$96
Country Financial	$669	$113
Central Insurance	$695	$119
USAA	$2637	$444
Auto-Owners	$2897	$488
Georgia Farm Bureau	$3021	$504
Farm Bureau	$3155	$537
State Farm	$7814	$1316
Allstate	$7859	$1323
Progressive	$10959	$1845

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 Stone Mountain.

As young drivers face the highest rates in Stone Mountain, Georgia Farm Bureau offers the cheapest auto insurance rates at $1065 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 Stone Mountain, Country Financial is the cheapest car insurance provider. At $464 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 State Farm, offering rates of around $6728 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$464	$77
Mercury	$543	$93
Farm Bureau	$989	$165
USAA	$2148	$365
Progressive	$3315	$552
Auto-Owners	$3485	$593
Allstate	$3795	$633
State Farm	$6728	$1145

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

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 $491 and $758, respectively. Allstate is an expensive provider with an average six-month premium of $3225.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$81
Country Financial	$758	$128
Encompass	$837	$140
Central Insurance	$918	$156
Farm Bureau	$1088	$182
Georgia Farm Bureau	$1337	$228
Auto-Owners	$1355	$228
USAA	$1452	$245
Progressive	$2682	$452
State Farm	$2718	$458
Allstate	$3225	$543

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 $1621 for a six month policy. While the rate increases by $508 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	$1907	$318
One Med/PIP claim	$1907	$324
One comp claim	$1916	$320
Two Med/PIP claims	$1916	$326
Not-at-fault accident	$1925	$321
Two comp claims	$1952	$332
Driving without lights	$2300	$383
Failure to wear a seat belt	$2300	$392
Child safety restraint	$2325	$387
Failure to show documents	$2325	$396
Cell phone violation	$2379	$396
Texting while driving	$2379	$405
Driving too slowly	$2415	$402
Speeding 6 - 10 MPH over limit	$2415	$411
Speeding in school zone	$2415	$402
Speeding 11 - 15 MPH over limit	$2424	$413
Driving with expired registration	$2433	$405
Failure to yield	$2433	$414
Following too closely	$2433	$405
Illegal turn	$2433	$414
Failure to stop at a red light	$2442	$407
Improper passing	$2442	$416
Speeding 16 - 20 MPH over limit	$2442	$407
Wrong way/wrong lane	$2442	$416
Speeding 21 - 25 MPH over limit	$2468	$411
Passing school bus	$2513	$428
In 65 MPH zone	$2522	$420
Open container	$2558	$435
At-fault accident - less than $1000	$2567	$428
Operating a vehicle without permission	$2601	$443
At-fault accident - $1000-$2000	$2798	$467
At-fault accident - greater than $2000	$2816	$479
Refusal to submit to a chemical test	$3297	$549
Reckless driving	$3395	$578
Racing	$3476	$579
Driving with a suspended license	$3485	$593
DUI	$3528	$588
Leaving scene of an accident/hit and run	$3618	$615

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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 $570 for a six-month policy. However, it can be as expensive as $2567 with companies like Progressive.

Stone Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$570	$98
Auto-Owners Insurance Co	$740	$123
Country Financial	$803	$135
Esurance P&C Ins Co	$1106	$185
Auto-Owners	$1764	$297
Farm Bureau	$1916	$320
USAA	$2076	$350
Georgia Farm Bureau	$2148	$359
State Farm	$2325	$392
Allstate	$2459	$414
Progressive	$2567	$432

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 $383. However, it can be as expensive as $2913 with companies like Progressive 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	$383	$65
Country Financial	$419	$71
Mercury	$597	$102
Farm Bureau	$1088	$182
Auto-Owners	$1328	$225
USAA	$1443	$240
State Farm	$1889	$321
Allstate	$2567	$428
Progressive	$2913	$495

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 rose by $338 in December compared to $332 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Stone Mountain rose to $108 in December, compared to $102 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Stone Mountain?

The car insurance in Stone Mountain is $56 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 $96 per month for full coverage.

How much is car insurance in Stone Mountain for teenagers?

Car insurance for teenagers costs $473 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 $1026 for a six-month policy. It will cost around $258 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: 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 Georgia Farm Bureau 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

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

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