Cheapest Car Insurance Quotes in Woodstock

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Woodstock Car Insurance

^$ 40

/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 Woodstock

The car insurance rate in Woodstock is $1108 for a six-month policy, which is $82 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Woodstock 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 Woodstock

$1108

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Woodstock

1st place: Country Financial

At $404 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 $532 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 $712 for six months, making it the third cheapest auto insurance company in Woodstock.

Woodstock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodstock, GA is Country Financial, offering policies at just $404 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $532.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1552 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodstock drivers find the best deals.

Cheap Car Insurance Companies in Woodstock, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$404	$69
Auto-Owners Insurance Co	$532	$89
Farm Bureau	$712	$121
Georgia Farm Bureau	$783	$131
Auto-Owners	$1142	$192
USAA	$1180	$199
Progressive	$1392	$234
Mercury	$1437	$240
Allstate	$1514	$255
Esurance P&C Ins Co	$1547	$258
State Farm	$1552	$261

Key Takeaways

Way's key takeaways about car insurance in Woodstock

The auto insurance costs in Woodstock fall around $404 for six months.
The cheapest auto insurance company in Woodstock is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Woodstock at $1328 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 Woodstock

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 Woodstock are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Woodstock. Their Average 6 Month Premium is $238. Allstate is the most expensive at $814 for the same period.

Cheapest Liability Coverage in Woodstock, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Farm Bureau	$301	$51
Georgia Farm Bureau	$321	$54
Auto-Owners	$384	$65
Mercury	$384	$65
Country Financial	$410	$69
USAA	$430	$72
Progressive	$475	$80
Central Insurance	$500	$83
State Farm	$738	$124
Allstate	$814	$137

Cheapest Full Coverage Car Insurance in Woodstock

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 Woodstock is Country Financial at $69 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodstock, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$404	$69
Auto-Owners Insurance Co	$532	$89
Farm Bureau	$712	$121
Georgia Farm Bureau	$783	$131
Auto-Owners	$1142	$192
USAA	$1180	$199
Progressive	$1392	$234
Mercury	$1437	$240
Allstate	$1514	$255
Esurance P&C Ins Co	$1547	$258
State Farm	$1552	$261

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Average Car Insurance in Woodstock 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 Woodstock, GA increasing?

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

Car Insurance Premiums by Age in Woodstock

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	$767
30s	Georgia Farm Bureau	$613
40s	Georgia Farm Bureau	$589
50s	Georgia Farm Bureau	$564
60s	Georgia Farm Bureau	$559
70s	Georgia Farm Bureau	$677

Cheapest Car Insurance Rates for Teen Drivers in Woodstock,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 Woodstock at $56 per month. At $7890 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	$340	$56
Mercury	$404	$69
Country Financial	$482	$81
Central Insurance	$500	$85
USAA	$1899	$320
Auto-Owners	$2085	$351
Georgia Farm Bureau	$2175	$363
Farm Bureau	$2271	$387
State Farm	$5626	$947
Allstate	$5658	$953
Progressive	$7890	$1328

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 Woodstock.

As young drivers face the highest rates in Woodstock, Georgia Farm Bureau offers the cheapest auto insurance rates at $767 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 Woodstock, Country Financial is the cheapest car insurance provider. At $334 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 Woodstock is State Farm, offering rates of around $4844 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$334	$55
Mercury	$391	$67
Farm Bureau	$712	$119
USAA	$1547	$262
Progressive	$2387	$397
Auto-Owners	$2509	$427
Allstate	$2732	$456
State Farm	$4844	$824

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

Car Insurance Rates with An Accident in Woodstock

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

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

The cheapest car insurance companies after an at-fault accident in Woodstock include AutoOwners Insurance Co and Country Financial, offering $353 and $545, respectively. Allstate is an expensive provider with an average six-month premium of $2322.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$353	$58
Country Financial	$545	$92
Encompass	$603	$100
Central Insurance	$661	$112
Farm Bureau	$783	$131
Georgia Farm Bureau	$962	$164
Auto-Owners	$975	$164
USAA	$1045	$176
Progressive	$1931	$325
State Farm	$1957	$329
Allstate	$2322	$391

Woodstock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodstock GA. For example, the car insurance in Woodstock after a DUI increases to $1167 for a six month policy. While the rate increases by $366 for a six-month policy in the case of a speeding ticket.

Woodstock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1373	$229
One Med/PIP claim	$1373	$233
One comp claim	$1379	$230
Two Med/PIP claims	$1379	$234
Not-at-fault accident	$1386	$231
Two comp claims	$1405	$239
Driving without lights	$1656	$275
Failure to wear a seat belt	$1656	$282
Child safety restraint	$1674	$279
Failure to show documents	$1674	$285
Cell phone violation	$1713	$285
Texting while driving	$1713	$292
Driving too slowly	$1739	$289
Speeding 6 - 10 MPH over limit	$1739	$296
Speeding in school zone	$1739	$289
Speeding 11 - 15 MPH over limit	$1745	$297
Driving with expired registration	$1752	$292
Failure to yield	$1752	$298
Following too closely	$1752	$292
Illegal turn	$1752	$298
Failure to stop at a red light	$1758	$293
Improper passing	$1758	$299
Speeding 16 - 20 MPH over limit	$1758	$293
Wrong way/wrong lane	$1758	$299
Speeding 21 - 25 MPH over limit	$1777	$296
Passing school bus	$1809	$308
In 65 MPH zone	$1815	$302
Open container	$1841	$313
At-fault accident - less than $1000	$1848	$308
Operating a vehicle without permission	$1873	$319
At-fault accident - $1000-$2000	$2014	$336
At-fault accident - greater than $2000	$2027	$345
Refusal to submit to a chemical test	$2374	$395
Reckless driving	$2444	$416
Racing	$2502	$417
Driving with a suspended license	$2509	$427
DUI	$2540	$423
Leaving scene of an accident/hit and run	$2605	$443

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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 Woodstock 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 Woodstock.

The cheapest car insurance premiums in Woodstock are offered by Mercury at $410 for a six-month policy. However, it can be as expensive as $1848 with companies like Progressive.

Woodstock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$410	$70
Auto-Owners Insurance Co	$532	$89
Country Financial	$578	$97
Esurance P&C Ins Co	$796	$133
Auto-Owners	$1270	$214
Farm Bureau	$1379	$230
USAA	$1495	$252
Georgia Farm Bureau	$1547	$258
State Farm	$1674	$282
Allstate	$1770	$298
Progressive	$1848	$311

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 Woodstock are offered by AutoOwners Insurance Co at $275. However, it can be as expensive as $2097 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Woodstock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$275	$46
Country Financial	$301	$51
Mercury	$430	$73
Farm Bureau	$783	$131
Auto-Owners	$956	$162
USAA	$1039	$173
State Farm	$1360	$231
Allstate	$1848	$308
Progressive	$2097	$356

Car Insurance Price Trends in Woodstock, Georgia

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

The average cost of full coverage in the Woodstock rose by $243 in December compared to $239 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 Woodstock rose to $78 in December, compared to $73 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Woodstock?

The car insurance in Woodstock is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Woodstock?

The cheapest car insurance in Woodstock is $69 per month for full coverage.

How much is car insurance in Woodstock for teenagers?

Car insurance for teenagers costs $340 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 Woodstock?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $186 per month to insure your car in Woodstock.

Is car insurance expensive in Woodstock?

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

Cheapest Car Insurance Quotes in Woodstock

Why you can trust Way?

How Much Is Car Insurance in Woodstock

Avg. Car Insurance in Woodstock

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Woodstock

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Woodstock Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodstock, GA

Way's key takeaways about car insurance in Woodstock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodstock

Cheapest Liability Coverage in Woodstock, GA

Cheapest Full Coverage Car Insurance in Woodstock

Cheapest Full Coverage Car Insurance Quotes in Woodstock, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodstock by Rating Factor

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

Car Insurance Premiums by Age in Woodstock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodstock,GA

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

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 Woodstock

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

Woodstock Car Insurance Rates by Violation

Woodstock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodstock after a DUI

Woodstock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodstock after Speeding ticket

Car Insurance Price Trends in Woodstock, Georgia

Average Car Insurance Cost in Woodstock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodstock, GA

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

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