Cheapest Car Insurance Quotes in Vinings

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Vinings 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 Vinings

The car insurance rate in Vinings is $1243 for a six-month policy, which is $190 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Vinings 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 Vinings

$1243

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Vinings

1st place: Country Financial

At $441 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 $582 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 $856 for six months, making it the third cheapest auto insurance company in Vinings.

Vinings Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vinings, GA is Country Financial, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $582.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vinings drivers find the best deals.

Cheap Car Insurance Companies in Vinings, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$441	$73
Auto-Owners Insurance Co	$582	$99
Georgia Farm Bureau	$856	$143
Farm Bureau	$939	$159
Auto-Owners	$1318	$222
USAA	$1318	$222
Progressive	$1359	$229
Mercury	$1571	$267
Allstate	$1605	$270
Esurance P&C Ins Co	$1690	$287
State Farm	$1998	$336

Key Takeaways

Way's key takeaways about car insurance in Vinings

The auto insurance costs in Vinings fall around $441 for six months.
The cheapest auto insurance company in Vinings is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Vinings at $1198 per month.

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Cheapest Minimum Liability Car Insurance in Vinings

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 Vinings are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Vinings. Their Average 6 Month Premium is $260. State Farm is the most expensive at $918 for the same period.

Cheapest Liability Coverage in Vinings, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$260	$44
Georgia Farm Bureau	$350	$59
Farm Bureau	$386	$66
Mercury	$420	$71
Auto-Owners	$434	$73
Country Financial	$448	$76
USAA	$484	$81
Progressive	$491	$83
Central Insurance	$546	$93
Allstate	$792	$132
State Farm	$918	$155

Cheapest Full Coverage Car Insurance in Vinings

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 Vinings is Country Financial at $73 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vinings, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$441	$73
Auto-Owners Insurance Co	$582	$99
Georgia Farm Bureau	$856	$143
Farm Bureau	$939	$159
Auto-Owners	$1318	$222
USAA	$1318	$222
Progressive	$1359	$229
Mercury	$1571	$267
Allstate	$1605	$270
Esurance P&C Ins Co	$1690	$287
State Farm	$1998	$336

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Average Car Insurance in Vinings 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 Vinings, GA increasing?

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

Car Insurance Premiums by Age in Vinings

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 Vinings,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 Vinings at $61 per month. At $7114 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	$372	$61
Mercury	$441	$76
Country Financial	$526	$89
Central Insurance	$546	$93
USAA	$2179	$367
Georgia Farm Bureau	$2377	$404
Auto-Owners	$2523	$425
Farm Bureau	$3021	$513
Allstate	$5579	$930
Progressive	$7114	$1198
State Farm	$7114	$1198

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 Vinings, Country Financial is the cheapest car insurance provider. At $365 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 Vinings is Allstate, offering rates of around $2985 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$365	$60
Mercury	$427	$73
Farm Bureau	$939	$157
Progressive	$1781	$303
USAA	$1900	$316
Auto-Owners	$3462	$589
State Farm	$7641	$1273
Allstate	$2985	$498

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Car Insurance Rates with An Accident in Vinings

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

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

The cheapest car insurance companies after an at-fault accident in Vinings include AutoOwners Insurance Co and Country Financial, offering $386 and $596, respectively. State Farm is an expensive provider with an average six-month premium of $2446.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$386	$64
Country Financial	$596	$100
Encompass	$658	$110
Central Insurance	$722	$123
Farm Bureau	$1030	$172
Georgia Farm Bureau	$1051	$179
Auto-Owners	$1163	$196
USAA	$1185	$199
Progressive	$1690	$284
Allstate	$2236	$380
State Farm	$2446	$412

Vinings Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vinings GA. For example, the car insurance in Vinings after a DUI increases to $1275 for a six month policy. While the rate increases by $400 for a six-month policy in the case of a speeding ticket.

Vinings auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1500	$250
One Med/PIP claim	$1500	$255
One comp claim	$1507	$251
Two Med/PIP claims	$1507	$256
Not-at-fault accident	$1514	$253
Two comp claims	$1535	$261
Driving without lights	$1809	$301
Failure to wear a seat belt	$1809	$308
Child safety restraint	$1829	$304
Failure to show documents	$1829	$312
Cell phone violation	$1871	$312
Texting while driving	$1871	$319
Driving too slowly	$1900	$316
Speeding 6 - 10 MPH over limit	$1900	$323
Speeding in school zone	$1900	$316
Speeding 11 - 15 MPH over limit	$1907	$325
Driving with expired registration	$1914	$319
Failure to yield	$1914	$326
Following too closely	$1914	$319
Illegal turn	$1914	$326
Failure to stop at a red light	$1921	$320
Improper passing	$1921	$327
Speeding 16 - 20 MPH over limit	$1921	$320
Wrong way/wrong lane	$1921	$327
Speeding 21 - 25 MPH over limit	$1941	$323
Passing school bus	$1977	$336
In 65 MPH zone	$1984	$330
Open container	$2012	$342
At-fault accident - less than $1000	$2019	$336
Operating a vehicle without permission	$2046	$348
At-fault accident - $1000-$2000	$2201	$367
At-fault accident - greater than $2000	$2215	$376
Refusal to submit to a chemical test	$2594	$432
Reckless driving	$2670	$454
Racing	$2734	$455
Driving with a suspended license	$2741	$466
DUI	$2775	$463
Leaving scene of an accident/hit and run	$2846	$484

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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 Vinings 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 Vinings.

The cheapest car insurance premiums in Vinings are offered by Mercury at $448 for a six-month policy. However, it can be as expensive as $2272 with companies like State Farm.

Vinings car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$448	$77
Auto-Owners Insurance Co	$582	$97
Country Financial	$631	$106
Esurance P&C Ins Co	$870	$145
Allstate	$1430	$243
Auto-Owners	$1564	$263
Georgia Farm Bureau	$1690	$287
Progressive	$1696	$286
USAA	$1724	$290
Farm Bureau	$1829	$304
State Farm	$2272	$382

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 Vinings are offered by AutoOwners Insurance Co at $301. However, it can be as expensive as $2019 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Vinings after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$51
Country Financial	$329	$55
Mercury	$470	$78
Farm Bureau	$1030	$175
USAA	$1297	$216
Auto-Owners	$1332	$227
Progressive	$1402	$234
State Farm	$2145	$365
Allstate	$2019	$336

Car Insurance Price Trends in Vinings, Georgia

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

The average cost of full coverage in the Vinings dipped by $253 in January compared to $266 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 Vinings dipped to $84 in January, compared to $85 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 Vinings?

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

What is the cheapest car insurance in Vinings?

The cheapest car insurance in Vinings is $73 per month for full coverage.

How much is car insurance in Vinings for teenagers?

Car insurance for teenagers costs $372 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 Vinings?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $209 per month to insure your car in Vinings.

Is car insurance expensive in Vinings?

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

Cheapest Car Insurance Quotes in Vinings

Why you can trust Way?

How Much Is Car Insurance in Vinings

Avg. Car Insurance in Vinings

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Vinings

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Vinings Car Insurance Rates by Company

Cheap Car Insurance Companies in Vinings, GA

Way's key takeaways about car insurance in Vinings

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vinings

Cheapest Liability Coverage in Vinings, GA

Cheapest Full Coverage Car Insurance in Vinings

Cheapest Full Coverage Car Insurance Quotes in Vinings, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vinings by Rating Factor

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

Car Insurance Premiums by Age in Vinings

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vinings,GA

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

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 Vinings

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

Vinings Car Insurance Rates by Violation

Vinings auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vinings after a DUI

Vinings car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vinings after Speeding ticket

Car Insurance Price Trends in Vinings, Georgia

Average Car Insurance Cost in Vinings by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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