Cheapest Car Insurance Quotes in Tybee Island

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Tybee Island Car Insurance

^$ 37

/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 Tybee Island

The car insurance rate in Tybee Island is $1016 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Tybee Island 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 Tybee Island

$1016

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Tybee Island

1st place: Country Financial

At $370 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 $488 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 $652 for six months, making it the third cheapest auto insurance company in Tybee Island.

Tybee Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tybee Island, GA is Country Financial, offering policies at just $370 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $488.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1423 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tybee Island drivers find the best deals.

Cheap Car Insurance Companies in Tybee Island, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$370	$63
Auto-Owners Insurance Co	$488	$81
Farm Bureau	$652	$111
Georgia Farm Bureau	$718	$120
Auto-Owners	$1046	$176
USAA	$1082	$182
Progressive	$1276	$215
Mercury	$1318	$220
Allstate	$1388	$234
Esurance P&C Ins Co	$1418	$237
State Farm	$1423	$240

Key Takeaways

Way's key takeaways about car insurance in Tybee Island

The auto insurance costs in Tybee Island fall around $370 for six months.
The cheapest auto insurance company in Tybee Island is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Tybee Island at $1218 per month.

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Cheapest Minimum Liability Car Insurance in Tybee Island

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 Tybee Island are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Tybee Island. Their Average 6 Month Premium is $218. Allstate is the most expensive at $746 for the same period.

Cheapest Liability Coverage in Tybee Island, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Farm Bureau	$276	$47
Georgia Farm Bureau	$294	$50
Auto-Owners	$352	$59
Mercury	$352	$59
Country Financial	$376	$63
USAA	$394	$66
Progressive	$436	$73
Central Insurance	$458	$76
State Farm	$676	$114
Allstate	$746	$126

Cheapest Full Coverage Car Insurance in Tybee Island

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 Tybee Island is Country Financial at $63 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tybee Island, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$370	$63
Auto-Owners Insurance Co	$488	$81
Farm Bureau	$652	$111
Georgia Farm Bureau	$718	$120
Auto-Owners	$1046	$176
USAA	$1082	$182
Progressive	$1276	$215
Mercury	$1318	$220
Allstate	$1388	$234
Esurance P&C Ins Co	$1418	$237
State Farm	$1423	$240

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Average Car Insurance in Tybee Island 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 Tybee Island, GA increasing?

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

Car Insurance Premiums by Age in Tybee Island

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	$703
30s	Georgia Farm Bureau	$562
40s	Georgia Farm Bureau	$540
50s	Georgia Farm Bureau	$517
60s	Georgia Farm Bureau	$513
70s	Georgia Farm Bureau	$621

Cheapest Car Insurance Rates for Teen Drivers in Tybee Island,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 Tybee Island at $51 per month. At $7233 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	$312	$51
Mercury	$370	$63
Country Financial	$442	$74
Central Insurance	$458	$78
USAA	$1740	$293
Auto-Owners	$1912	$322
Georgia Farm Bureau	$1994	$333
Farm Bureau	$2082	$354
State Farm	$5157	$868
Allstate	$5187	$873
Progressive	$7233	$1218

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 Tybee Island.

As young drivers face the highest rates in Tybee Island, Georgia Farm Bureau offers the cheapest auto insurance rates at $703 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 Tybee Island, Country Financial is the cheapest car insurance provider. At $306 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 Tybee Island is State Farm, offering rates of around $4440 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$306	$50
Mercury	$358	$61
Farm Bureau	$652	$109
USAA	$1418	$241
Progressive	$2188	$364
Auto-Owners	$2300	$391
Allstate	$2505	$418
State Farm	$4440	$755

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

Car Insurance Rates with An Accident in Tybee Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tybee Island

The cheapest car insurance companies after an at-fault accident in Tybee Island include AutoOwners Insurance Co and Country Financial, offering $324 and $500, respectively. Allstate is an expensive provider with an average six-month premium of $2129.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$53
Country Financial	$500	$84
Encompass	$552	$92
Central Insurance	$606	$103
Farm Bureau	$718	$120
Georgia Farm Bureau	$882	$150
Auto-Owners	$894	$150
USAA	$958	$161
Progressive	$1770	$298
State Farm	$1794	$302
Allstate	$2129	$358

Tybee Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tybee Island GA. For example, the car insurance in Tybee Island after a DUI increases to $1070 for a six month policy. While the rate increases by $336 for a six-month policy in the case of a speeding ticket.

Tybee Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1258	$210
One Med/PIP claim	$1258	$214
One comp claim	$1264	$211
Two Med/PIP claims	$1264	$215
Not-at-fault accident	$1270	$212
Two comp claims	$1288	$219
Driving without lights	$1518	$252
Failure to wear a seat belt	$1518	$258
Child safety restraint	$1535	$255
Failure to show documents	$1535	$261
Cell phone violation	$1570	$261
Texting while driving	$1570	$267
Driving too slowly	$1594	$265
Speeding 6 - 10 MPH over limit	$1594	$271
Speeding in school zone	$1594	$265
Speeding 11 - 15 MPH over limit	$1600	$272
Driving with expired registration	$1606	$267
Failure to yield	$1606	$273
Following too closely	$1606	$267
Illegal turn	$1606	$273
Failure to stop at a red light	$1612	$268
Improper passing	$1612	$274
Speeding 16 - 20 MPH over limit	$1612	$268
Wrong way/wrong lane	$1612	$274
Speeding 21 - 25 MPH over limit	$1629	$271
Passing school bus	$1658	$282
In 65 MPH zone	$1664	$277
Open container	$1688	$287
At-fault accident - less than $1000	$1694	$282
Operating a vehicle without permission	$1717	$292
At-fault accident - $1000-$2000	$1846	$308
At-fault accident - greater than $2000	$1858	$316
Refusal to submit to a chemical test	$2176	$362
Reckless driving	$2240	$381
Racing	$2294	$382
Driving with a suspended license	$2300	$391
DUI	$2328	$388
Leaving scene of an accident/hit and run	$2388	$406

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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 Tybee Island 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 Tybee Island.

The cheapest car insurance premiums in Tybee Island are offered by Mercury at $376 for a six-month policy. However, it can be as expensive as $1694 with companies like Progressive.

Tybee Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$376	$64
Auto-Owners Insurance Co	$488	$81
Country Financial	$530	$89
Esurance P&C Ins Co	$730	$122
Auto-Owners	$1164	$196
Farm Bureau	$1264	$211
USAA	$1370	$231
Georgia Farm Bureau	$1418	$237
State Farm	$1535	$258
Allstate	$1623	$273
Progressive	$1694	$285

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 Tybee Island are offered by AutoOwners Insurance Co at $252. However, it can be as expensive as $1923 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Tybee Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$252	$43
Country Financial	$276	$47
Mercury	$394	$67
Farm Bureau	$718	$120
Auto-Owners	$876	$149
USAA	$952	$158
State Farm	$1246	$212
Allstate	$1694	$282
Progressive	$1923	$327

Car Insurance Price Trends in Tybee Island, Georgia

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

The average cost of full coverage in the Tybee Island rose by $223 in December compared to $219 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 Tybee Island rose to $71 in December, compared to $67 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 Tybee Island?

The car insurance in Tybee Island is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Tybee Island?

The cheapest car insurance in Tybee Island is $63 per month for full coverage.

How much is car insurance in Tybee Island for teenagers?

Car insurance for teenagers costs $312 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 Tybee Island?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $170 per month to insure your car in Tybee Island.

Is car insurance expensive in Tybee Island?

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

Cheapest Car Insurance Quotes in Tybee Island

Why you can trust Way?

How Much Is Car Insurance in Tybee Island

Avg. Car Insurance in Tybee Island

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Tybee Island

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Tybee Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Tybee Island, GA

Way's key takeaways about car insurance in Tybee Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tybee Island

Cheapest Liability Coverage in Tybee Island, GA

Cheapest Full Coverage Car Insurance in Tybee Island

Cheapest Full Coverage Car Insurance Quotes in Tybee Island, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tybee Island by Rating Factor

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

Car Insurance Premiums by Age in Tybee Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tybee Island,GA

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

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 Tybee Island

Cheapest Car Insurance Companies after an At-Fault Accident in Tybee Island

Tybee Island Car Insurance Rates by Violation

Tybee Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tybee Island after a DUI

Tybee Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tybee Island after Speeding ticket

Car Insurance Price Trends in Tybee Island, Georgia

Average Car Insurance Cost in Tybee Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tybee Island, GA

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

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