Cheapest Car Insurance Quotes in Tunnel Hill

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Tunnel Hill Car Insurance

^$ 33

/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 Tunnel Hill

The car insurance rate in Tunnel Hill is $923 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $337, making it a popular choice for budget-conscious drivers. Rates in Tunnel Hill 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 Tunnel Hill

$923

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Tunnel Hill

1st place: Country Financial

At $337 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 $444 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 $593 for six months, making it the third cheapest auto insurance company in Tunnel Hill.

Tunnel Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tunnel Hill, GA is Country Financial, offering policies at just $337 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1293 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tunnel Hill drivers find the best deals.

Cheap Car Insurance Companies in Tunnel Hill, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$337	$58
Auto-Owners Insurance Co	$444	$74
Farm Bureau	$593	$101
Georgia Farm Bureau	$653	$109
Auto-Owners	$951	$160
USAA	$984	$166
Progressive	$1160	$195
Mercury	$1198	$200
Allstate	$1262	$212
Esurance P&C Ins Co	$1289	$215
State Farm	$1293	$218

Key Takeaways

Way's key takeaways about car insurance in Tunnel Hill

The auto insurance costs in Tunnel Hill fall around $337 for six months.
The cheapest auto insurance company in Tunnel Hill is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Tunnel Hill at $1107 per month.

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

Cheapest Minimum Liability Car Insurance in Tunnel Hill

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 Tunnel Hill are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Tunnel Hill. Their Average 6 Month Premium is $198. Allstate is the most expensive at $679 for the same period.

Cheapest Liability Coverage in Tunnel Hill, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$198	$33
Farm Bureau	$251	$42
Georgia Farm Bureau	$267	$45
Auto-Owners	$320	$54
Mercury	$320	$54
Country Financial	$342	$58
USAA	$358	$60
Progressive	$396	$67
Central Insurance	$417	$69
State Farm	$615	$104
Allstate	$679	$114

Cheapest Full Coverage Car Insurance in Tunnel Hill

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 Tunnel Hill is Country Financial at $58 per month and $337 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tunnel Hill, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$337	$58
Auto-Owners Insurance Co	$444	$74
Farm Bureau	$593	$101
Georgia Farm Bureau	$653	$109
Auto-Owners	$951	$160
USAA	$984	$166
Progressive	$1160	$195
Mercury	$1198	$200
Allstate	$1262	$212
Esurance P&C Ins Co	$1289	$215
State Farm	$1293	$218

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Average Car Insurance in Tunnel Hill 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 Tunnel Hill, GA increasing?

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

Car Insurance Premiums by Age in Tunnel Hill

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	$639
30s	Georgia Farm Bureau	$511
40s	Georgia Farm Bureau	$491
50s	Georgia Farm Bureau	$470
60s	Georgia Farm Bureau	$466
70s	Georgia Farm Bureau	$564

Cheapest Car Insurance Rates for Teen Drivers in Tunnel Hill,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 Tunnel Hill at $47 per month. At $6575 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	$284	$47
Mercury	$337	$58
Country Financial	$401	$68
Central Insurance	$417	$71
USAA	$1582	$266
Auto-Owners	$1738	$293
Georgia Farm Bureau	$1813	$302
Farm Bureau	$1893	$322
State Farm	$4688	$789
Allstate	$4715	$794
Progressive	$6575	$1107

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 Tunnel Hill.

As young drivers face the highest rates in Tunnel Hill, Georgia Farm Bureau offers the cheapest auto insurance rates at $639 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 Tunnel Hill, Country Financial is the cheapest car insurance provider. At $278 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 Tunnel Hill is State Farm, offering rates of around $4037 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$278	$46
Mercury	$326	$56
Farm Bureau	$593	$99
USAA	$1289	$219
Progressive	$1989	$331
Auto-Owners	$2091	$356
Allstate	$2277	$380
State Farm	$4037	$687

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Car Insurance Rates with An Accident in Tunnel Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tunnel Hill

The cheapest car insurance companies after an at-fault accident in Tunnel Hill include AutoOwners Insurance Co and Country Financial, offering $294 and $455, respectively. Allstate is an expensive provider with an average six-month premium of $1935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$49
Country Financial	$455	$77
Encompass	$502	$84
Central Insurance	$551	$94
Farm Bureau	$653	$109
Georgia Farm Bureau	$802	$137
Auto-Owners	$813	$137
USAA	$871	$147
Progressive	$1609	$271
State Farm	$1631	$275
Allstate	$1935	$326

Tunnel Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tunnel Hill GA. For example, the car insurance in Tunnel Hill after a DUI increases to $973 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Tunnel Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1144	$191
One Med/PIP claim	$1144	$194
One comp claim	$1149	$192
Two Med/PIP claims	$1149	$195
Not-at-fault accident	$1155	$193
Two comp claims	$1171	$199
Driving without lights	$1380	$230
Failure to wear a seat belt	$1380	$235
Child safety restraint	$1395	$232
Failure to show documents	$1395	$238
Cell phone violation	$1427	$238
Texting while driving	$1427	$243
Driving too slowly	$1449	$241
Speeding 6 - 10 MPH over limit	$1449	$247
Speeding in school zone	$1449	$241
Speeding 11 - 15 MPH over limit	$1454	$248
Driving with expired registration	$1460	$243
Failure to yield	$1460	$248
Following too closely	$1460	$243
Illegal turn	$1460	$248
Failure to stop at a red light	$1465	$244
Improper passing	$1465	$249
Speeding 16 - 20 MPH over limit	$1465	$244
Wrong way/wrong lane	$1465	$249
Speeding 21 - 25 MPH over limit	$1481	$247
Passing school bus	$1508	$257
In 65 MPH zone	$1513	$252
Open container	$1535	$261
At-fault accident - less than $1000	$1540	$257
Operating a vehicle without permission	$1561	$266
At-fault accident - $1000-$2000	$1679	$280
At-fault accident - greater than $2000	$1689	$287
Refusal to submit to a chemical test	$1978	$329
Reckless driving	$2037	$347
Racing	$2085	$347
Driving with a suspended license	$2091	$356
DUI	$2117	$353
Leaving scene of an accident/hit and run	$2171	$369

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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 Tunnel Hill 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 Tunnel Hill.

The cheapest car insurance premiums in Tunnel Hill are offered by Mercury at $342 for a six-month policy. However, it can be as expensive as $1540 with companies like Progressive.

Tunnel Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$342	$59
Auto-Owners Insurance Co	$444	$74
Country Financial	$482	$81
Esurance P&C Ins Co	$663	$111
Auto-Owners	$1058	$178
Farm Bureau	$1149	$192
USAA	$1246	$210
Georgia Farm Bureau	$1289	$215
State Farm	$1395	$235
Allstate	$1475	$248
Progressive	$1540	$259

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 Tunnel Hill are offered by AutoOwners Insurance Co at $230. However, it can be as expensive as $1748 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Tunnel Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$230	$39
Country Financial	$251	$42
Mercury	$358	$61
Farm Bureau	$653	$109
Auto-Owners	$797	$135
USAA	$866	$144
State Farm	$1133	$193
Allstate	$1540	$257
Progressive	$1748	$297

Car Insurance Price Trends in Tunnel Hill, Georgia

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

The average cost of full coverage in the Tunnel Hill rose by $203 in December compared to $199 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 Tunnel Hill rose to $65 in December, compared to $61 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 Tunnel Hill?

The car insurance in Tunnel Hill is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Tunnel Hill?

The cheapest car insurance in Tunnel Hill is $58 per month for full coverage.

How much is car insurance in Tunnel Hill for teenagers?

Car insurance for teenagers costs $284 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 Tunnel Hill?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $155 per month to insure your car in Tunnel Hill.

Is car insurance expensive in Tunnel Hill?

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

Cheapest Car Insurance Quotes in Tunnel Hill

Why you can trust Way?

How Much Is Car Insurance in Tunnel Hill

Avg. Car Insurance in Tunnel Hill

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Tunnel Hill

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Tunnel Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Tunnel Hill, GA

Way's key takeaways about car insurance in Tunnel Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tunnel Hill

Cheapest Liability Coverage in Tunnel Hill, GA

Cheapest Full Coverage Car Insurance in Tunnel Hill

Cheapest Full Coverage Car Insurance Quotes in Tunnel Hill, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tunnel Hill by Rating Factor

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

Car Insurance Premiums by Age in Tunnel Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tunnel Hill,GA

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

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 Tunnel Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Tunnel Hill

Tunnel Hill Car Insurance Rates by Violation

Tunnel Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tunnel Hill after a DUI

Tunnel Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tunnel Hill after Speeding ticket

Car Insurance Price Trends in Tunnel Hill, Georgia

Average Car Insurance Cost in Tunnel Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tunnel Hill, GA

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

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