Cheapest Car Insurance Quotes in Warwick

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Warwick 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 Warwick

The car insurance rate in Warwick is $995 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in Warwick 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 Warwick

$995

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Warwick

1st place: Country Financial

At $363 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 $478 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 $639 for six months, making it the third cheapest auto insurance company in Warwick.

Warwick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Warwick, GA is Country Financial, offering policies at just $363 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $478.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1394 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warwick drivers find the best deals.

Cheap Car Insurance Companies in Warwick, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$363	$62
Auto-Owners Insurance Co	$478	$80
Farm Bureau	$639	$109
Georgia Farm Bureau	$703	$117
Auto-Owners	$1025	$173
USAA	$1060	$178
Progressive	$1250	$210
Mercury	$1291	$215
Allstate	$1360	$229
Esurance P&C Ins Co	$1389	$232
State Farm	$1394	$235

Key Takeaways

Way's key takeaways about car insurance in Warwick

The auto insurance costs in Warwick fall around $363 for six months.
The cheapest auto insurance company in Warwick is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Warwick at $1193 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Warwick

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 Warwick are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Warwick. Their Average 6 Month Premium is $213. Allstate is the most expensive at $731 for the same period.

Cheapest Liability Coverage in Warwick, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$213	$36
Farm Bureau	$271	$46
Georgia Farm Bureau	$288	$49
Auto-Owners	$345	$58
Mercury	$345	$58
Country Financial	$369	$62
USAA	$386	$65
Progressive	$427	$72
Central Insurance	$449	$75
State Farm	$663	$112
Allstate	$731	$123

Cheapest Full Coverage Car Insurance in Warwick

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 Warwick is Country Financial at $62 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warwick, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$363	$62
Auto-Owners Insurance Co	$478	$80
Farm Bureau	$639	$109
Georgia Farm Bureau	$703	$117
Auto-Owners	$1025	$173
USAA	$1060	$178
Progressive	$1250	$210
Mercury	$1291	$215
Allstate	$1360	$229
Esurance P&C Ins Co	$1389	$232
State Farm	$1394	$235

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Average Car Insurance in Warwick 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 Warwick, GA increasing?

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

Car Insurance Premiums by Age in Warwick

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	$689
30s	Georgia Farm Bureau	$551
40s	Georgia Farm Bureau	$529
50s	Georgia Farm Bureau	$506
60s	Georgia Farm Bureau	$502
70s	Georgia Farm Bureau	$608

Cheapest Car Insurance Rates for Teen Drivers in Warwick,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 Warwick at $50 per month. At $7087 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	$306	$50
Mercury	$363	$62
Country Financial	$433	$73
Central Insurance	$449	$77
USAA	$1705	$287
Auto-Owners	$1873	$315
Georgia Farm Bureau	$1954	$326
Farm Bureau	$2040	$347
State Farm	$5053	$851
Allstate	$5082	$856
Progressive	$7087	$1193

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 Warwick.

As young drivers face the highest rates in Warwick, Georgia Farm Bureau offers the cheapest auto insurance rates at $689 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 Warwick, Country Financial is the cheapest car insurance provider. At $300 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 Warwick is State Farm, offering rates of around $4350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$300	$49
Mercury	$351	$60
Farm Bureau	$639	$107
USAA	$1389	$236
Progressive	$2144	$357
Auto-Owners	$2253	$383
Allstate	$2454	$409
State Farm	$4350	$740

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

Car Insurance Rates with An Accident in Warwick

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

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

The cheapest car insurance companies after an at-fault accident in Warwick include AutoOwners Insurance Co and Country Financial, offering $317 and $490, respectively. Allstate is an expensive provider with an average six-month premium of $2086.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$317	$52
Country Financial	$490	$82
Encompass	$541	$90
Central Insurance	$594	$101
Farm Bureau	$703	$117
Georgia Farm Bureau	$864	$147
Auto-Owners	$876	$147
USAA	$939	$158
Progressive	$1734	$292
State Farm	$1758	$296
Allstate	$2086	$351

Warwick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Warwick GA. For example, the car insurance in Warwick after a DUI increases to $1048 for a six month policy. While the rate increases by $329 for a six-month policy in the case of a speeding ticket.

Warwick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1233	$206
One Med/PIP claim	$1233	$210
One comp claim	$1239	$207
Two Med/PIP claims	$1239	$210
Not-at-fault accident	$1245	$208
Two comp claims	$1262	$214
Driving without lights	$1487	$247
Failure to wear a seat belt	$1487	$253
Child safety restraint	$1504	$250
Failure to show documents	$1504	$256
Cell phone violation	$1538	$256
Texting while driving	$1538	$262
Driving too slowly	$1562	$260
Speeding 6 - 10 MPH over limit	$1562	$266
Speeding in school zone	$1562	$260
Speeding 11 - 15 MPH over limit	$1568	$267
Driving with expired registration	$1573	$262
Failure to yield	$1573	$268
Following too closely	$1573	$262
Illegal turn	$1573	$268
Failure to stop at a red light	$1579	$263
Improper passing	$1579	$269
Speeding 16 - 20 MPH over limit	$1579	$263
Wrong way/wrong lane	$1579	$269
Speeding 21 - 25 MPH over limit	$1596	$266
Passing school bus	$1625	$276
In 65 MPH zone	$1631	$272
Open container	$1654	$281
At-fault accident - less than $1000	$1660	$276
Operating a vehicle without permission	$1682	$286
At-fault accident - $1000-$2000	$1809	$302
At-fault accident - greater than $2000	$1821	$309
Refusal to submit to a chemical test	$2132	$355
Reckless driving	$2195	$373
Racing	$2247	$374
Driving with a suspended license	$2253	$383
DUI	$2281	$380
Leaving scene of an accident/hit and run	$2340	$398

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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 Warwick 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 Warwick.

The cheapest car insurance premiums in Warwick are offered by Mercury at $369 for a six-month policy. However, it can be as expensive as $1660 with companies like Progressive.

Warwick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$369	$63
Auto-Owners Insurance Co	$478	$80
Country Financial	$519	$87
Esurance P&C Ins Co	$715	$119
Auto-Owners	$1141	$192
Farm Bureau	$1239	$207
USAA	$1342	$226
Georgia Farm Bureau	$1389	$232
State Farm	$1504	$253
Allstate	$1590	$268
Progressive	$1660	$279

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 Warwick are offered by AutoOwners Insurance Co at $247. However, it can be as expensive as $1884 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Warwick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$247	$42
Country Financial	$271	$46
Mercury	$386	$66
Farm Bureau	$703	$117
Auto-Owners	$858	$146
USAA	$933	$155
State Farm	$1221	$208
Allstate	$1660	$276
Progressive	$1884	$320

Car Insurance Price Trends in Warwick, Georgia

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

The average cost of full coverage in the Warwick rose by $218 in December compared to $214 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 Warwick rose to $70 in December, compared to $66 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 Warwick?

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

What is the cheapest car insurance in Warwick?

The cheapest car insurance in Warwick is $62 per month for full coverage.

How much is car insurance in Warwick for teenagers?

Car insurance for teenagers costs $306 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 Warwick?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $167 per month to insure your car in Warwick.

Is car insurance expensive in Warwick?

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

Cheapest Car Insurance Quotes in Warwick

Why you can trust Way?

How Much Is Car Insurance in Warwick

Avg. Car Insurance in Warwick

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Warwick

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Warwick Car Insurance Rates by Company

Cheap Car Insurance Companies in Warwick, GA

Way's key takeaways about car insurance in Warwick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Warwick

Cheapest Liability Coverage in Warwick, GA

Cheapest Full Coverage Car Insurance in Warwick

Cheapest Full Coverage Car Insurance Quotes in Warwick, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Warwick by Rating Factor

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

Car Insurance Premiums by Age in Warwick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Warwick,GA

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

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 Warwick

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

Warwick Car Insurance Rates by Violation

Warwick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Warwick after a DUI

Warwick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Warwick after Speeding ticket

Car Insurance Price Trends in Warwick, Georgia

Average Car Insurance Cost in Warwick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Warwick, GA

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

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