Cheapest Car Insurance Quotes in Villa Rica

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Villa Rica Car Insurance

^$ 44

/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 Villa Rica

The car insurance rate in Villa Rica is $1264 for a six-month policy, which is $211 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Villa Rica 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 Villa Rica

$1264

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Villa Rica

1st place: Country Financial

At $449 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 $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $870 for six months, making it the third cheapest auto insurance company in Villa Rica.

Villa Rica Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Villa Rica, GA is Country Financial, offering policies at just $449 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $592.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2032 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Villa Rica drivers find the best deals.

Cheap Car Insurance Companies in Villa Rica, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$449	$74
Auto-Owners Insurance Co	$592	$101
Georgia Farm Bureau	$870	$145
Farm Bureau	$955	$162
Auto-Owners	$1340	$226
USAA	$1340	$226
Progressive	$1382	$233
Mercury	$1597	$271
Allstate	$1632	$275
Esurance P&C Ins Co	$1718	$292
State Farm	$2032	$342

Key Takeaways

Way's key takeaways about car insurance in Villa Rica

The auto insurance costs in Villa Rica fall around $449 for six months.
The cheapest auto insurance company in Villa Rica is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Villa Rica at $1218 per month.

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Cheapest Minimum Liability Car Insurance in Villa Rica

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 Villa Rica are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Villa Rica. Their Average 6 Month Premium is $264. State Farm is the most expensive at $934 for the same period.

Cheapest Liability Coverage in Villa Rica, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$264	$44
Georgia Farm Bureau	$356	$60
Farm Bureau	$392	$67
Mercury	$427	$72
Auto-Owners	$442	$74
Country Financial	$456	$77
USAA	$492	$83
Progressive	$499	$84
Central Insurance	$556	$95
Allstate	$805	$134
State Farm	$934	$157

Cheapest Full Coverage Car Insurance in Villa Rica

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 Villa Rica is Country Financial at $74 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Villa Rica, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$449	$74
Auto-Owners Insurance Co	$592	$101
Georgia Farm Bureau	$870	$145
Farm Bureau	$955	$162
Auto-Owners	$1340	$226
USAA	$1340	$226
Progressive	$1382	$233
Mercury	$1597	$271
Allstate	$1632	$275
Esurance P&C Ins Co	$1718	$292
State Farm	$2032	$342

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Average Car Insurance in Villa Rica 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 Villa Rica, GA increasing?

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

Car Insurance Premiums by Age in Villa Rica

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

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Cheapest Car Insurance Rates for Teen Drivers in Villa Rica,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 Villa Rica at $62 per month. At $7235 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$378	$62
Mercury	$449	$77
Country Financial	$535	$90
Central Insurance	$556	$95
USAA	$2216	$373
Georgia Farm Bureau	$2417	$410
Auto-Owners	$2566	$432
Farm Bureau	$3072	$522
Allstate	$5674	$946
Progressive	$7235	$1218
State Farm	$7235	$1218

Teen Car Insurance Rates in GA by Age

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 Villa Rica, Country Financial is the cheapest car insurance provider. At $371 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 Villa Rica is Allstate, offering rates of around $3036 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$371	$61
Mercury	$434	$74
Farm Bureau	$955	$160
Progressive	$1811	$308
USAA	$1932	$322
Auto-Owners	$3521	$599
State Farm	$7770	$1295
Allstate	$3036	$506

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Car Insurance Rates with An Accident in Villa Rica

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

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Rica

The cheapest car insurance companies after an at-fault accident in Villa Rica include AutoOwners Insurance Co and Country Financial, offering $392 and $606, respectively. State Farm is an expensive provider with an average six-month premium of $2488.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$65
Country Financial	$606	$102
Encompass	$670	$112
Central Insurance	$734	$125
Farm Bureau	$1048	$175
Georgia Farm Bureau	$1069	$182
Auto-Owners	$1183	$199
USAA	$1205	$203
Progressive	$1718	$289
Allstate	$2274	$386
State Farm	$2488	$419

Villa Rica Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Villa Rica GA. For example, the car insurance in Villa Rica after a DUI increases to $1297 for a six month policy. While the rate increases by $407 for a six-month policy in the case of a speeding ticket.

Villa Rica auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1525	$254
One Med/PIP claim	$1525	$259
One comp claim	$1532	$256
Two Med/PIP claims	$1532	$260
Not-at-fault accident	$1540	$257
Two comp claims	$1561	$265
Driving without lights	$1840	$306
Failure to wear a seat belt	$1840	$313
Child safety restraint	$1860	$310
Failure to show documents	$1860	$317
Cell phone violation	$1903	$317
Texting while driving	$1903	$324
Driving too slowly	$1932	$322
Speeding 6 - 10 MPH over limit	$1932	$329
Speeding in school zone	$1932	$322
Speeding 11 - 15 MPH over limit	$1939	$330
Driving with expired registration	$1946	$324
Failure to yield	$1946	$331
Following too closely	$1946	$324
Illegal turn	$1946	$331
Failure to stop at a red light	$1954	$325
Improper passing	$1954	$332
Speeding 16 - 20 MPH over limit	$1954	$325
Wrong way/wrong lane	$1954	$332
Speeding 21 - 25 MPH over limit	$1974	$329
Passing school bus	$2010	$342
In 65 MPH zone	$2017	$336
Open container	$2046	$348
At-fault accident - less than $1000	$2053	$342
Operating a vehicle without permission	$2081	$354
At-fault accident - $1000-$2000	$2238	$373
At-fault accident - greater than $2000	$2252	$383
Refusal to submit to a chemical test	$2638	$439
Reckless driving	$2716	$462
Racing	$2780	$463
Driving with a suspended license	$2788	$474
DUI	$2822	$470
Leaving scene of an accident/hit and run	$2894	$492

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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 Villa Rica 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 Villa Rica.

The cheapest car insurance premiums in Villa Rica are offered by Mercury at $456 for a six-month policy. However, it can be as expensive as $2310 with companies like State Farm.

Villa Rica car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$456	$78
Auto-Owners Insurance Co	$592	$98
Country Financial	$642	$108
Esurance P&C Ins Co	$884	$148
Allstate	$1454	$247
Auto-Owners	$1590	$268
Georgia Farm Bureau	$1718	$292
Progressive	$1724	$290
USAA	$1753	$295
Farm Bureau	$1860	$310
State Farm	$2310	$389

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 Villa Rica are offered by AutoOwners Insurance Co at $306. However, it can be as expensive as $2053 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Villa Rica after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$306	$52
Country Financial	$335	$56
Mercury	$478	$79
Farm Bureau	$1048	$178
USAA	$1319	$220
Auto-Owners	$1355	$230
Progressive	$1426	$238
State Farm	$2182	$371
Allstate	$2053	$342

Car Insurance Price Trends in Villa Rica, Georgia

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

The average cost of full coverage in the Villa Rica dipped by $257 in January compared to $270 of December. In other words, there has been an decrease by $13 when you compare January and December.

The average cost of liability insurance in the Villa Rica dipped to $85 in January, compared to $86 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Villa Rica?

The car insurance in Villa Rica is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Villa Rica?

The cheapest car insurance in Villa Rica is $74 per month for full coverage.

How much is car insurance in Villa Rica for teenagers?

Car insurance for teenagers costs $378 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 Villa Rica?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $212 per month to insure your car in Villa Rica.

Is car insurance expensive in Villa Rica?

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

Cheapest Car Insurance Quotes in Villa Rica

Why you can trust Way?

How Much Is Car Insurance in Villa Rica

Avg. Car Insurance in Villa Rica

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Villa Rica

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Villa Rica Car Insurance Rates by Company

Cheap Car Insurance Companies in Villa Rica, GA

Way's key takeaways about car insurance in Villa Rica

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Villa Rica

Cheapest Liability Coverage in Villa Rica, GA

Cheapest Full Coverage Car Insurance in Villa Rica

Cheapest Full Coverage Car Insurance Quotes in Villa Rica, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Villa Rica by Rating Factor

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

Car Insurance Premiums by Age in Villa Rica

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Villa Rica,GA

If you are in your twenties N/A is the best choice for car insurance in Villa Rica.

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 Villa Rica

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Rica

Villa Rica Car Insurance Rates by Violation

Villa Rica auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Villa Rica after a DUI

Villa Rica car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Villa Rica after Speeding ticket

Car Insurance Price Trends in Villa Rica, Georgia

Average Car Insurance Cost in Villa Rica by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Villa Rica, GA

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

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