Cheapest Car Insurance Quotes in Varnell

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Varnell Car Insurance

^$ 34

/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 Varnell

The car insurance rate in Varnell is $954 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $348, making it a popular choice for budget-conscious drivers. Rates in Varnell 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 Varnell

$954

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Varnell

1st place: Country Financial

At $348 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 $458 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 $613 for six months, making it the third cheapest auto insurance company in Varnell.

Varnell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Varnell, GA is Country Financial, offering policies at just $348 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $458.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Varnell drivers find the best deals.

Cheap Car Insurance Companies in Varnell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$348	$60
Auto-Owners Insurance Co	$458	$76
Farm Bureau	$613	$104
Georgia Farm Bureau	$674	$113
Auto-Owners	$983	$166
USAA	$1016	$171
Progressive	$1199	$202
Mercury	$1238	$206
Allstate	$1304	$219
Esurance P&C Ins Co	$1332	$222
State Farm	$1336	$225

Key Takeaways

Way's key takeaways about car insurance in Varnell

The auto insurance costs in Varnell fall around $348 for six months.
The cheapest auto insurance company in Varnell is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Varnell at $1144 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 Varnell

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 Varnell are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Varnell. Their Average 6 Month Premium is $205. Allstate is the most expensive at $701 for the same period.

Cheapest Liability Coverage in Varnell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$205	$34
Farm Bureau	$259	$44
Georgia Farm Bureau	$276	$47
Auto-Owners	$331	$56
Mercury	$331	$56
Country Financial	$353	$60
USAA	$370	$62
Progressive	$409	$69
Central Insurance	$431	$72
State Farm	$635	$107
Allstate	$701	$118

Cheapest Full Coverage Car Insurance in Varnell

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 Varnell is Country Financial at $60 per month and $348 for six months.

Cheapest Full Coverage Car Insurance Quotes in Varnell, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$348	$60
Auto-Owners Insurance Co	$458	$76
Farm Bureau	$613	$104
Georgia Farm Bureau	$674	$113
Auto-Owners	$983	$166
USAA	$1016	$171
Progressive	$1199	$202
Mercury	$1238	$206
Allstate	$1304	$219
Esurance P&C Ins Co	$1332	$222
State Farm	$1336	$225

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Average Car Insurance in Varnell 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 Varnell, GA increasing?

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

Car Insurance Premiums by Age in Varnell

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	$660
30s	Georgia Farm Bureau	$528
40s	Georgia Farm Bureau	$507
50s	Georgia Farm Bureau	$485
60s	Georgia Farm Bureau	$482
70s	Georgia Farm Bureau	$583

Cheapest Car Insurance Rates for Teen Drivers in Varnell,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 Varnell at $48 per month. At $6795 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	$293	$48
Mercury	$348	$60
Country Financial	$415	$70
Central Insurance	$431	$73
USAA	$1635	$275
Auto-Owners	$1796	$302
Georgia Farm Bureau	$1873	$312
Farm Bureau	$1956	$333
State Farm	$4844	$816
Allstate	$4872	$820
Progressive	$6795	$1144

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 Varnell.

As young drivers face the highest rates in Varnell, Georgia Farm Bureau offers the cheapest auto insurance rates at $660 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 Varnell, Country Financial is the cheapest car insurance provider. At $287 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 Varnell is State Farm, offering rates of around $4171 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$287	$47
Mercury	$337	$58
Farm Bureau	$613	$102
USAA	$1332	$226
Progressive	$2055	$342
Auto-Owners	$2160	$367
Allstate	$2353	$392
State Farm	$4171	$710

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

Car Insurance Rates with An Accident in Varnell

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

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

The cheapest car insurance companies after an at-fault accident in Varnell include AutoOwners Insurance Co and Country Financial, offering $304 and $470, respectively. Allstate is an expensive provider with an average six-month premium of $2000.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$304	$50
Country Financial	$470	$79
Encompass	$519	$86
Central Insurance	$569	$97
Farm Bureau	$674	$113
Georgia Farm Bureau	$829	$141
Auto-Owners	$840	$141
USAA	$900	$152
Progressive	$1663	$280
State Farm	$1685	$284
Allstate	$2000	$337

Varnell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Varnell GA. For example, the car insurance in Varnell after a DUI increases to $1005 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

Varnell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1182	$197
One Med/PIP claim	$1182	$201
One comp claim	$1188	$198
Two Med/PIP claims	$1188	$202
Not-at-fault accident	$1193	$199
Two comp claims	$1210	$206
Driving without lights	$1426	$237
Failure to wear a seat belt	$1426	$243
Child safety restraint	$1442	$240
Failure to show documents	$1442	$246
Cell phone violation	$1475	$246
Texting while driving	$1475	$251
Driving too slowly	$1497	$249
Speeding 6 - 10 MPH over limit	$1497	$255
Speeding in school zone	$1497	$249
Speeding 11 - 15 MPH over limit	$1503	$256
Driving with expired registration	$1508	$251
Failure to yield	$1508	$257
Following too closely	$1508	$251
Illegal turn	$1508	$257
Failure to stop at a red light	$1514	$252
Improper passing	$1514	$258
Speeding 16 - 20 MPH over limit	$1514	$252
Wrong way/wrong lane	$1514	$258
Speeding 21 - 25 MPH over limit	$1530	$255
Passing school bus	$1558	$265
In 65 MPH zone	$1563	$260
Open container	$1586	$270
At-fault accident - less than $1000	$1591	$265
Operating a vehicle without permission	$1613	$274
At-fault accident - $1000-$2000	$1734	$289
At-fault accident - greater than $2000	$1746	$297
Refusal to submit to a chemical test	$2044	$340
Reckless driving	$2105	$358
Racing	$2155	$359
Driving with a suspended license	$2160	$367
DUI	$2187	$365
Leaving scene of an accident/hit and run	$2243	$381

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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 Varnell 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 Varnell.

The cheapest car insurance premiums in Varnell are offered by Mercury at $353 for a six-month policy. However, it can be as expensive as $1591 with companies like Progressive.

Varnell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$353	$60
Auto-Owners Insurance Co	$458	$76
Country Financial	$498	$84
Esurance P&C Ins Co	$685	$114
Auto-Owners	$1094	$184
Farm Bureau	$1188	$198
USAA	$1287	$217
Georgia Farm Bureau	$1332	$222
State Farm	$1442	$243
Allstate	$1524	$257
Progressive	$1591	$268

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 Varnell are offered by AutoOwners Insurance Co at $237. However, it can be as expensive as $1806 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Varnell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$237	$40
Country Financial	$259	$44
Mercury	$370	$63
Farm Bureau	$674	$113
Auto-Owners	$823	$140
USAA	$895	$149
State Farm	$1171	$199
Allstate	$1591	$265
Progressive	$1806	$307

Car Insurance Price Trends in Varnell, Georgia

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

The average cost of full coverage in the Varnell rose by $209 in December compared to $206 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Varnell rose to $67 in December, compared to $63 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 Varnell?

The car insurance in Varnell is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Varnell?

The cheapest car insurance in Varnell is $60 per month for full coverage.

How much is car insurance in Varnell for teenagers?

Car insurance for teenagers costs $293 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 Varnell?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $160 per month to insure your car in Varnell.

Is car insurance expensive in Varnell?

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

Cheapest Car Insurance Quotes in Varnell

Why you can trust Way?

How Much Is Car Insurance in Varnell

Avg. Car Insurance in Varnell

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Varnell

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Varnell Car Insurance Rates by Company

Cheap Car Insurance Companies in Varnell, GA

Way's key takeaways about car insurance in Varnell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Varnell

Cheapest Liability Coverage in Varnell, GA

Cheapest Full Coverage Car Insurance in Varnell

Cheapest Full Coverage Car Insurance Quotes in Varnell, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Varnell by Rating Factor

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

Car Insurance Premiums by Age in Varnell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Varnell,GA

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

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 Varnell

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

Varnell Car Insurance Rates by Violation

Varnell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Varnell after a DUI

Varnell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Varnell after Speeding ticket

Car Insurance Price Trends in Varnell, Georgia

Average Car Insurance Cost in Varnell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Varnell, GA

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

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