Cheapest Car Insurance Quotes in Vidalia

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Vidalia Car Insurance

^$ 36

/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 Vidalia

The car insurance rate in Vidalia is $1005 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $367, making it a popular choice for budget-conscious drivers. Rates in Vidalia 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 Vidalia

$1005

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Vidalia

1st place: Country Financial

At $367 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 $483 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 $646 for six months, making it the third cheapest auto insurance company in Vidalia.

Vidalia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vidalia, GA is Country Financial, offering policies at just $367 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $483.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1408 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vidalia drivers find the best deals.

Cheap Car Insurance Companies in Vidalia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$367	$63
Auto-Owners Insurance Co	$483	$80
Farm Bureau	$646	$110
Georgia Farm Bureau	$711	$119
Auto-Owners	$1036	$174
USAA	$1071	$180
Progressive	$1263	$213
Mercury	$1304	$218
Allstate	$1374	$231
Esurance P&C Ins Co	$1403	$234
State Farm	$1408	$237

Key Takeaways

Way's key takeaways about car insurance in Vidalia

The auto insurance costs in Vidalia fall around $367 for six months.
The cheapest auto insurance company in Vidalia is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Vidalia at $1205 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 Vidalia

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 Vidalia are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Vidalia. Their Average 6 Month Premium is $216. Allstate is the most expensive at $739 for the same period.

Cheapest Liability Coverage in Vidalia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Farm Bureau	$273	$46
Georgia Farm Bureau	$291	$49
Auto-Owners	$349	$59
Mercury	$349	$59
Country Financial	$372	$63
USAA	$390	$66
Progressive	$431	$73
Central Insurance	$454	$75
State Farm	$669	$113
Allstate	$739	$124

Cheapest Full Coverage Car Insurance in Vidalia

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 Vidalia is Country Financial at $63 per month and $367 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vidalia, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$367	$63
Auto-Owners Insurance Co	$483	$80
Farm Bureau	$646	$110
Georgia Farm Bureau	$711	$119
Auto-Owners	$1036	$174
USAA	$1071	$180
Progressive	$1263	$213
Mercury	$1304	$218
Allstate	$1374	$231
Esurance P&C Ins Co	$1403	$234
State Farm	$1408	$237

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Average Car Insurance in Vidalia 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 Vidalia, GA increasing?

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

Car Insurance Premiums by Age in Vidalia

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	$696
30s	Georgia Farm Bureau	$557
40s	Georgia Farm Bureau	$534
50s	Georgia Farm Bureau	$512
60s	Georgia Farm Bureau	$508
70s	Georgia Farm Bureau	$614

Cheapest Car Insurance Rates for Teen Drivers in Vidalia,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 Vidalia at $51 per month. At $7160 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	$309	$51
Mercury	$367	$63
Country Financial	$437	$74
Central Insurance	$454	$77
USAA	$1723	$290
Auto-Owners	$1892	$319
Georgia Farm Bureau	$1974	$329
Farm Bureau	$2061	$351
State Farm	$5105	$859
Allstate	$5134	$864
Progressive	$7160	$1205

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 Vidalia.

As young drivers face the highest rates in Vidalia, Georgia Farm Bureau offers the cheapest auto insurance rates at $696 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 Vidalia, Country Financial is the cheapest car insurance provider. At $303 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 Vidalia is State Farm, offering rates of around $4395 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$303	$50
Mercury	$355	$61
Farm Bureau	$646	$108
USAA	$1403	$238
Progressive	$2166	$361
Auto-Owners	$2277	$387
Allstate	$2479	$414
State Farm	$4395	$748

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Car Insurance Rates with An Accident in Vidalia

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

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

The cheapest car insurance companies after an at-fault accident in Vidalia include AutoOwners Insurance Co and Country Financial, offering $320 and $495, respectively. Allstate is an expensive provider with an average six-month premium of $2107.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$320	$53
Country Financial	$495	$83
Encompass	$547	$91
Central Insurance	$600	$102
Farm Bureau	$711	$119
Georgia Farm Bureau	$873	$149
Auto-Owners	$885	$149
USAA	$949	$160
Progressive	$1752	$295
State Farm	$1776	$299
Allstate	$2107	$355

Vidalia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vidalia GA. For example, the car insurance in Vidalia after a DUI increases to $1059 for a six month policy. While the rate increases by $332 for a six-month policy in the case of a speeding ticket.

Vidalia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1246	$208
One Med/PIP claim	$1246	$212
One comp claim	$1251	$209
Two Med/PIP claims	$1251	$213
Not-at-fault accident	$1257	$210
Two comp claims	$1275	$217
Driving without lights	$1502	$250
Failure to wear a seat belt	$1502	$256
Child safety restraint	$1519	$253
Failure to show documents	$1519	$259
Cell phone violation	$1554	$259
Texting while driving	$1554	$265
Driving too slowly	$1578	$263
Speeding 6 - 10 MPH over limit	$1578	$269
Speeding in school zone	$1578	$263
Speeding 11 - 15 MPH over limit	$1584	$270
Driving with expired registration	$1590	$265
Failure to yield	$1590	$270
Following too closely	$1590	$265
Illegal turn	$1590	$270
Failure to stop at a red light	$1595	$266
Improper passing	$1595	$271
Speeding 16 - 20 MPH over limit	$1595	$266
Wrong way/wrong lane	$1595	$271
Speeding 21 - 25 MPH over limit	$1612	$269
Passing school bus	$1642	$279
In 65 MPH zone	$1647	$274
Open container	$1671	$284
At-fault accident - less than $1000	$1677	$279
Operating a vehicle without permission	$1699	$289
At-fault accident - $1000-$2000	$1828	$305
At-fault accident - greater than $2000	$1839	$313
Refusal to submit to a chemical test	$2154	$359
Reckless driving	$2218	$377
Racing	$2271	$378
Driving with a suspended license	$2277	$387
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2364	$402

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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 Vidalia 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 Vidalia.

The cheapest car insurance premiums in Vidalia are offered by Mercury at $372 for a six-month policy. However, it can be as expensive as $1677 with companies like Progressive.

Vidalia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$372	$64
Auto-Owners Insurance Co	$483	$80
Country Financial	$524	$88
Esurance P&C Ins Co	$722	$121
Auto-Owners	$1152	$194
Farm Bureau	$1251	$209
USAA	$1356	$228
Georgia Farm Bureau	$1403	$234
State Farm	$1519	$256
Allstate	$1606	$270
Progressive	$1677	$282

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 Vidalia are offered by AutoOwners Insurance Co at $250. However, it can be as expensive as $1903 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Vidalia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$250	$42
Country Financial	$273	$46
Mercury	$390	$67
Farm Bureau	$711	$119
Auto-Owners	$867	$147
USAA	$943	$157
State Farm	$1234	$210
Allstate	$1677	$279
Progressive	$1903	$323

Car Insurance Price Trends in Vidalia, Georgia

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

The average cost of full coverage in the Vidalia rose by $221 in December compared to $217 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 Vidalia 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 Vidalia?

The car insurance in Vidalia is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Vidalia?

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

How much is car insurance in Vidalia for teenagers?

Car insurance for teenagers costs $309 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 Vidalia?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $169 per month to insure your car in Vidalia.

Is car insurance expensive in Vidalia?

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

Cheapest Car Insurance Quotes in Vidalia

Why you can trust Way?

How Much Is Car Insurance in Vidalia

Avg. Car Insurance in Vidalia

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Vidalia

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Vidalia Car Insurance Rates by Company

Cheap Car Insurance Companies in Vidalia, GA

Way's key takeaways about car insurance in Vidalia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vidalia

Cheapest Liability Coverage in Vidalia, GA

Cheapest Full Coverage Car Insurance in Vidalia

Cheapest Full Coverage Car Insurance Quotes in Vidalia, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vidalia by Rating Factor

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

Car Insurance Premiums by Age in Vidalia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vidalia,GA

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

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 Vidalia

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

Vidalia Car Insurance Rates by Violation

Vidalia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vidalia after a DUI

Vidalia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vidalia after Speeding ticket

Car Insurance Price Trends in Vidalia, Georgia

Average Car Insurance Cost in Vidalia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vidalia, GA

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

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