Cheapest Car Insurance Quotes in Suwanee

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Suwanee Car Insurance

^$ 43

/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 Suwanee

The car insurance rate in Suwanee is $1200 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Suwanee 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 Suwanee

$1200

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Suwanee

1st place: Country Financial

At $438 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 $577 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 $771 for six months, making it the third cheapest auto insurance company in Suwanee.

Suwanee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Suwanee, GA is Country Financial, offering policies at just $438 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $577.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1681 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Suwanee drivers find the best deals.

Cheap Car Insurance Companies in Suwanee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$438	$75
Auto-Owners Insurance Co	$577	$96
Farm Bureau	$771	$131
Georgia Farm Bureau	$848	$142
Auto-Owners	$1237	$208
USAA	$1279	$215
Progressive	$1508	$254
Mercury	$1557	$260
Allstate	$1640	$276
Esurance P&C Ins Co	$1675	$280
State Farm	$1681	$283

Key Takeaways

Way's key takeaways about car insurance in Suwanee

The auto insurance costs in Suwanee fall around $438 for six months.
The cheapest auto insurance company in Suwanee is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Suwanee at $1439 per month.

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Cheapest Minimum Liability Car Insurance in Suwanee

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 Suwanee are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Suwanee. Their Average 6 Month Premium is $257. Allstate is the most expensive at $882 for the same period.

Cheapest Liability Coverage in Suwanee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$257	$43
Farm Bureau	$326	$55
Georgia Farm Bureau	$347	$59
Auto-Owners	$417	$70
Mercury	$417	$70
Country Financial	$445	$75
USAA	$466	$78
Progressive	$515	$87
Central Insurance	$542	$90
State Farm	$799	$135
Allstate	$882	$149

Cheapest Full Coverage Car Insurance in Suwanee

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 Suwanee is Country Financial at $75 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Suwanee, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$438	$75
Auto-Owners Insurance Co	$577	$96
Farm Bureau	$771	$131
Georgia Farm Bureau	$848	$142
Auto-Owners	$1237	$208
USAA	$1279	$215
Progressive	$1508	$254
Mercury	$1557	$260
Allstate	$1640	$276
Esurance P&C Ins Co	$1675	$280
State Farm	$1681	$283

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Average Car Insurance in Suwanee 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 Suwanee, GA increasing?

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

Car Insurance Premiums by Age in Suwanee

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	$831
30s	Georgia Farm Bureau	$665
40s	Georgia Farm Bureau	$638
50s	Georgia Farm Bureau	$611
60s	Georgia Farm Bureau	$606
70s	Georgia Farm Bureau	$734

Cheapest Car Insurance Rates for Teen Drivers in Suwanee,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 Suwanee at $61 per month. At $8548 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	$369	$61
Mercury	$438	$75
Country Financial	$522	$88
Central Insurance	$542	$92
USAA	$2057	$346
Auto-Owners	$2259	$380
Georgia Farm Bureau	$2356	$393
Farm Bureau	$2461	$419
State Farm	$6095	$1026
Allstate	$6130	$1032
Progressive	$8548	$1439

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 Suwanee.

As young drivers face the highest rates in Suwanee, Georgia Farm Bureau offers the cheapest auto insurance rates at $831 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 Suwanee, Country Financial is the cheapest car insurance provider. At $362 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 Suwanee is State Farm, offering rates of around $5247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$362	$60
Mercury	$424	$73
Farm Bureau	$771	$129
USAA	$1675	$284
Progressive	$2586	$431
Auto-Owners	$2718	$462
Allstate	$2960	$494
State Farm	$5247	$893

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Suwanee

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

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

The cheapest car insurance companies after an at-fault accident in Suwanee include AutoOwners Insurance Co and Country Financial, offering $383 and $591, respectively. Allstate is an expensive provider with an average six-month premium of $2516.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$383	$63
Country Financial	$591	$99
Encompass	$653	$109
Central Insurance	$716	$122
Farm Bureau	$848	$142
Georgia Farm Bureau	$1042	$178
Auto-Owners	$1057	$178
USAA	$1133	$191
Progressive	$2092	$352
State Farm	$2120	$357
Allstate	$2516	$424

Suwanee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Suwanee GA. For example, the car insurance in Suwanee after a DUI increases to $1265 for a six month policy. While the rate increases by $397 for a six-month policy in the case of a speeding ticket.

Suwanee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1487	$248
One Med/PIP claim	$1487	$253
One comp claim	$1494	$249
Two Med/PIP claims	$1494	$254
Not-at-fault accident	$1501	$250
Two comp claims	$1522	$259
Driving without lights	$1794	$298
Failure to wear a seat belt	$1794	$305
Child safety restraint	$1814	$302
Failure to show documents	$1814	$309
Cell phone violation	$1856	$309
Texting while driving	$1856	$316
Driving too slowly	$1884	$314
Speeding 6 - 10 MPH over limit	$1884	$321
Speeding in school zone	$1884	$314
Speeding 11 - 15 MPH over limit	$1891	$322
Driving with expired registration	$1898	$316
Failure to yield	$1898	$323
Following too closely	$1898	$316
Illegal turn	$1898	$323
Failure to stop at a red light	$1905	$317
Improper passing	$1905	$324
Speeding 16 - 20 MPH over limit	$1905	$317
Wrong way/wrong lane	$1905	$324
Speeding 21 - 25 MPH over limit	$1925	$321
Passing school bus	$1960	$333
In 65 MPH zone	$1967	$328
Open container	$1995	$339
At-fault accident - less than $1000	$2002	$333
Operating a vehicle without permission	$2029	$345
At-fault accident - $1000-$2000	$2182	$364
At-fault accident - greater than $2000	$2196	$373
Refusal to submit to a chemical test	$2572	$428
Reckless driving	$2648	$450
Racing	$2711	$452
Driving with a suspended license	$2718	$462
DUI	$2752	$459
Leaving scene of an accident/hit and run	$2822	$480

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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 Suwanee 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 Suwanee.

The cheapest car insurance premiums in Suwanee are offered by Mercury at $445 for a six-month policy. However, it can be as expensive as $2002 with companies like Progressive.

Suwanee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$445	$76
Auto-Owners Insurance Co	$577	$96
Country Financial	$626	$105
Esurance P&C Ins Co	$862	$144
Auto-Owners	$1376	$232
Farm Bureau	$1494	$249
USAA	$1619	$273
Georgia Farm Bureau	$1675	$280
State Farm	$1814	$305
Allstate	$1918	$323
Progressive	$2002	$337

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 Suwanee are offered by AutoOwners Insurance Co at $298. However, it can be as expensive as $2272 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Suwanee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$298	$50
Country Financial	$326	$55
Mercury	$466	$80
Farm Bureau	$848	$142
Auto-Owners	$1035	$176
USAA	$1126	$187
State Farm	$1473	$250
Allstate	$2002	$333
Progressive	$2272	$386

Car Insurance Price Trends in Suwanee, Georgia

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

The average cost of full coverage in the Suwanee rose by $263 in December compared to $259 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 Suwanee rose to $84 in December, compared to $80 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Suwanee?

The car insurance in Suwanee is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Suwanee?

The cheapest car insurance in Suwanee is $75 per month for full coverage.

How much is car insurance in Suwanee for teenagers?

Car insurance for teenagers costs $369 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 Suwanee?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $201 per month to insure your car in Suwanee.

Is car insurance expensive in Suwanee?

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

Cheapest Car Insurance Quotes in Suwanee

Why you can trust Way?

How Much Is Car Insurance in Suwanee

Avg. Car Insurance in Suwanee

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Suwanee

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Suwanee Car Insurance Rates by Company

Cheap Car Insurance Companies in Suwanee, GA

Way's key takeaways about car insurance in Suwanee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Suwanee

Cheapest Liability Coverage in Suwanee, GA

Cheapest Full Coverage Car Insurance in Suwanee

Cheapest Full Coverage Car Insurance Quotes in Suwanee, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Suwanee by Rating Factor

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

Car Insurance Premiums by Age in Suwanee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Suwanee,GA

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

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 Suwanee

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

Suwanee Car Insurance Rates by Violation

Suwanee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Suwanee after a DUI

Suwanee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Suwanee after Speeding ticket

Car Insurance Price Trends in Suwanee, Georgia

Average Car Insurance Cost in Suwanee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Suwanee, GA

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

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