Cheapest Car Insurance Quotes in Whigham

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Whigham Car Insurance

^$ 35

/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 Whigham

The car insurance rate in Whigham is $1000 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $355, making it a popular choice for budget-conscious drivers. Rates in Whigham 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 Whigham

$1000

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Whigham

1st place: Country Financial

At $355 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 $468 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 $689 for six months, making it the third cheapest auto insurance company in Whigham.

Whigham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whigham, GA is Country Financial, offering policies at just $355 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $468.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1608 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whigham drivers find the best deals.

Cheap Car Insurance Companies in Whigham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$355	$59
Auto-Owners Insurance Co	$468	$80
Georgia Farm Bureau	$689	$115
Farm Bureau	$756	$128
Auto-Owners	$1061	$179
USAA	$1061	$179
Progressive	$1094	$184
Mercury	$1264	$215
Allstate	$1292	$218
Esurance P&C Ins Co	$1360	$231
State Farm	$1608	$271

Key Takeaways

Way's key takeaways about car insurance in Whigham

The auto insurance costs in Whigham fall around $355 for six months.
The cheapest auto insurance company in Whigham is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Whigham at $964 per month.

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Cheapest Minimum Liability Car Insurance in Whigham

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 Whigham are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Whigham. Their Average 6 Month Premium is $209. State Farm is the most expensive at $739 for the same period.

Cheapest Liability Coverage in Whigham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Georgia Farm Bureau	$282	$48
Farm Bureau	$311	$53
Mercury	$338	$57
Auto-Owners	$350	$59
Country Financial	$361	$61
USAA	$390	$66
Progressive	$395	$67
Central Insurance	$440	$75
Allstate	$637	$106
State Farm	$739	$124

Cheapest Full Coverage Car Insurance in Whigham

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 Whigham is Country Financial at $59 per month and $355 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whigham, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$355	$59
Auto-Owners Insurance Co	$468	$80
Georgia Farm Bureau	$689	$115
Farm Bureau	$756	$128
Auto-Owners	$1061	$179
USAA	$1061	$179
Progressive	$1094	$184
Mercury	$1264	$215
Allstate	$1292	$218
Esurance P&C Ins Co	$1360	$231
State Farm	$1608	$271

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Average Car Insurance in Whigham 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 Whigham, GA increasing?

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

Car Insurance Premiums by Age in Whigham

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 Whigham,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 Whigham at $49 per month. At $5728 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	$299	$49
Mercury	$355	$61
Country Financial	$424	$71
Central Insurance	$440	$75
USAA	$1755	$295
Georgia Farm Bureau	$1913	$325
Auto-Owners	$2031	$342
Farm Bureau	$2432	$413
Allstate	$4492	$749
Progressive	$5728	$964
State Farm	$5728	$964

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 Whigham, Country Financial is the cheapest car insurance provider. At $294 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 Whigham is Allstate, offering rates of around $2404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$294	$48
Mercury	$344	$59
Farm Bureau	$756	$126
Progressive	$1434	$244
USAA	$1530	$255
Auto-Owners	$2787	$474
State Farm	$6151	$1025
Allstate	$2404	$401

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Car Insurance Rates with An Accident in Whigham

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

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

The cheapest car insurance companies after an at-fault accident in Whigham include AutoOwners Insurance Co and Country Financial, offering $311 and $480, respectively. State Farm is an expensive provider with an average six-month premium of $1969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$311	$51
Country Financial	$480	$81
Encompass	$530	$88
Central Insurance	$581	$99
Farm Bureau	$829	$139
Georgia Farm Bureau	$846	$144
Auto-Owners	$937	$158
USAA	$954	$161
Progressive	$1360	$229
Allstate	$1800	$306
State Farm	$1969	$332

Whigham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whigham GA. For example, the car insurance in Whigham after a DUI increases to $1027 for a six month policy. While the rate increases by $323 for a six-month policy in the case of a speeding ticket.

Whigham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1207	$201
One Med/PIP claim	$1207	$205
One comp claim	$1213	$202
Two Med/PIP claims	$1213	$206
Not-at-fault accident	$1219	$203
Two comp claims	$1236	$210
Driving without lights	$1456	$242
Failure to wear a seat belt	$1456	$248
Child safety restraint	$1473	$245
Failure to show documents	$1473	$251
Cell phone violation	$1507	$251
Texting while driving	$1507	$257
Driving too slowly	$1530	$255
Speeding 6 - 10 MPH over limit	$1530	$260
Speeding in school zone	$1530	$255
Speeding 11 - 15 MPH over limit	$1535	$261
Driving with expired registration	$1541	$257
Failure to yield	$1541	$262
Following too closely	$1541	$257
Illegal turn	$1541	$262
Failure to stop at a red light	$1547	$257
Improper passing	$1547	$263
Speeding 16 - 20 MPH over limit	$1547	$257
Wrong way/wrong lane	$1547	$263
Speeding 21 - 25 MPH over limit	$1563	$260
Passing school bus	$1591	$271
In 65 MPH zone	$1597	$266
Open container	$1620	$276
At-fault accident - less than $1000	$1625	$271
Operating a vehicle without permission	$1647	$280
At-fault accident - $1000-$2000	$1772	$295
At-fault accident - greater than $2000	$1783	$303
Refusal to submit to a chemical test	$2088	$348
Reckless driving	$2150	$366
Racing	$2201	$367
Driving with a suspended license	$2207	$375
DUI	$2234	$372
Leaving scene of an accident/hit and run	$2291	$390

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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 Whigham 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 Whigham.

The cheapest car insurance premiums in Whigham are offered by Mercury at $361 for a six-month policy. However, it can be as expensive as $1829 with companies like State Farm.

Whigham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$361	$62
Auto-Owners Insurance Co	$468	$78
Country Financial	$508	$86
Esurance P&C Ins Co	$700	$117
Allstate	$1151	$196
Auto-Owners	$1259	$212
Georgia Farm Bureau	$1360	$231
Progressive	$1365	$230
USAA	$1388	$234
Farm Bureau	$1473	$245
State Farm	$1829	$308

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 Whigham are offered by AutoOwners Insurance Co at $242. However, it can be as expensive as $1625 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Whigham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Country Financial	$265	$45
Mercury	$378	$63
Farm Bureau	$829	$141
USAA	$1044	$174
Auto-Owners	$1073	$182
Progressive	$1129	$188
State Farm	$1727	$294
Allstate	$1625	$271

Car Insurance Price Trends in Whigham, Georgia

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

The average cost of full coverage in the Whigham dipped by $203 in January compared to $214 of December. In other words, there has been an decrease by $11 when you compare January and December.

The average cost of liability insurance in the Whigham dipped to $67 in January, compared to $68 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 Whigham?

The car insurance in Whigham is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Whigham?

The cheapest car insurance in Whigham is $59 per month for full coverage.

How much is car insurance in Whigham for teenagers?

Car insurance for teenagers costs $299 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 Whigham?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $168 per month to insure your car in Whigham.

Is car insurance expensive in Whigham?

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

Cheapest Car Insurance Quotes in Whigham

Why you can trust Way?

How Much Is Car Insurance in Whigham

Avg. Car Insurance in Whigham

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Whigham

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Whigham Car Insurance Rates by Company

Cheap Car Insurance Companies in Whigham, GA

Way's key takeaways about car insurance in Whigham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whigham

Cheapest Liability Coverage in Whigham, GA

Cheapest Full Coverage Car Insurance in Whigham

Cheapest Full Coverage Car Insurance Quotes in Whigham, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whigham by Rating Factor

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

Car Insurance Premiums by Age in Whigham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whigham,GA

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

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 Whigham

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

Whigham Car Insurance Rates by Violation

Whigham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whigham after a DUI

Whigham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whigham after Speeding ticket

Car Insurance Price Trends in Whigham, Georgia

Average Car Insurance Cost in Whigham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whigham, GA

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

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