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Cheapest car insurance in Bartow, Georgia (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Bartow, Georgia.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Bartow Car Insurance: Quick Facts
  • Average rates for Bartow car insurance are lower than the Georgia average
  • Georgia’s minimum car insurance requirements include 25/50/25 of liability coverage

How to find the cheapest car insurance in Bartow, Georgia

Drivers in Bartow need to be smart about shopping for
cheap car insurance
—especially since the average policy in
Georgia
costs much more than the national average. Looking for discounts, evaluating your driving needs, and comparing auto insurance quotes will help you find the right coverage at the best price.
It takes time to request a personalized quote from a single car insurance company, let alone multiple providers. But with
Jerry
, you can compare quotes from over 55 insurance companies in minutes.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$101
Rosa, 48
Zip: 30413
Ford Explorer XLT
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$64
Dustin, 27
Zip: 30413
Acura Integra LS
• State Minimum Liability
Assurance America
$197
Brett, 36
Zip: 30413
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Cheapest Bartow car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Bartow can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Irvin, 25
92
33%
No
  • State Minimum Liability
  • Minimum Coverage
Erick 34
85
25%
No
  • State Minimum Liability
  • Comp/Collision
Billie, 44
92
39%
No
  • 100/300
  • Comp/Collision
Matthew, 54
77
23%
No
  • State Minimum Liability
  • Comp/Collision
Angela, 64
74
20%
No
  • 50/100
  • Comp/Collision

Best car insurance companies in Bartow

The five biggest auto insurance providers in Georgia are:
  1. State Farm
  2. Berkshire Hathaway
  3. USAA
As for the best auto insurance company, that depends on your priorities. According to Georgia drivers who responded to Jerry’s nationwide survey,
Assurance America
has the most affordable insurance rates,
Nationwide
has the best customer service, and
Safeco
has the most convenient claims process.
You can see each car insurance provider’s scores in greater detail in the table below:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
4
4.4
State Farm
4.2
3.6
4.5
4
Geico
3.9
3.2
3.6
4.1
Liberty Mutual
3.7
2.5
3
3.7
USAA
3.3
2.7
4
4.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Bartow

To comply with
Georgia car insurance laws
, all drivers in Bartow must carry
liability car insurance
. Liability insurance covers the costs of treatment, repairs, and replacements if you cause harm to someone else or their property while driving. You might also want to increase your coverage limits above the state minimum requirements in certain circumstances—which, we’ll argue, is most of them.

Cheap minimum liability insurance quotes in Bartow

The minimum liability coverage requirements in Georgia—and by extension, Bartow—are 25/50/25.
In other words, you’ll need to buy a policy that provides at least:
Sticking with the minimum required liability coverage often means paying the lowest rates. Here are some of the deals Jerry helped Bartow drivers to find:
card cover
Dustin (27 years old)
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$64
per month
card cover
Brett (36 years old)
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$197
per month

Do you need more than minimum coverage in Bartow?

Considering the rising cost of medical expenses and auto repairs, the state minimum auto insurance coverage is rarely enough in the event of a serious accident. Experts recommend doubling or tripling your coverage limits so that they cover the worth of your current and future assets.
"As a licensed agent, I highly recommend carrying higher limits than state minimums for bodily injury and property damage coverages. Your coverage limits should always exceed your current net worth. I'd consider limits of $100,000/$300,00 or higher as these coverages can better protect you from the damages and injury you may cause in an auto accident." —A.J. Leh, Licensed Insurance Agent

Cheap full coverage car insurance quotes in Bartow

There’s no law requiring
full-coverage car insurance
, but it provides a way to pay for repairs or replacements to your vehicle.
A full coverage policy includes
collision coverage
and
comprehensive coverage
. Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. Comprehensive coverage does the same thing, but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Bartow.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$101
Rosa, 48
Zip: 30413
Ford Explorer XLT
• State Minimum Liability
• Comp / Collision
Bristol West
$107
Helen, 27
Zip: 30413
Acura Integra LS
• State Minimum Liability
• Comp / Collision
Assurance America
$197
Brett, 36
Zip: 30413
Nissan Altima 2.5
coverageLast Updated Mar 28, 2024
Using a car insurance comparison app or website is the fastest way to compare car insurance quotes online. With the Jerry app, you’ll be able to find savings and get the answers to all your questions from a team of 100+ licensed agents.
Lower my car insurance too!

Average cost of car insurance in Bartow

In Georgia, the average rate for a minimum-liability car insurance policy is $104 per month and $1,253 per year. For full coverage auto insurance, the average is $212 per month and $2,554 per year.
Compared to the rest of the country, Georgia car insurance costs about 50% more:
Coverage type
Georgia
United States
Minimum coverage car insurance
$1,253
$740
Full coverage car insurance
$2,554
$1,790
Depending on your driving profile, you could pay hundreds of dollars more (or less) to drive in Bartow. Comparing quotes from at least three companies will help you find the lowest rates and get a sense of how each insurance provider
calculates car insurance premiums
differently.

Car insurance quotes in Bartow by rating factors 

Auto insurance premiums are calculated using rating factors, which help providers calculate the risk involved in insuring a certain driver and a certain area. The rates you find in Bartow will be affected by:
  • Bartow’s lack of natural disasters: Thankfully, there are few floods, storms, hurricanes, or tornadoes in Bartow, which is good news for comprehensive insurance rates.1
  • Bartow’s size: Bartow is very small, which means minimal traffic and car accidents.
  • Georgia’s motor vehicle theft rate: The number of cars stolen in Georgia has fallen in recent years, which is good news for the cost of insurance.2
  • Georgia’s accident fatality rate: There are more motorist and passenger deaths per 100,000 people in Georgia than in the rest of the country, so insurers raise costs to compensate.3
  • Your demographics: According to car crash statistics, your age, gender, and marital status affect your chances of getting into an accident—so providers may raise your rates depending on your personal information.
  • Your driving record: Any at-fault accidents or tickets will raise your cost of auto insurance.
  • Your parking spot: While it’s not as bad as leaving your car on a public street in
    Atlanta
    , you’ll get better rates if you park in a private garage rather than out in the open.
However, the only way to budget for car insurance costs is to ask providers for personalized quotes. Write down any tricky information—like your Georgia driver’s license number or vehicle year, make, and model—so you have a reference sheet close at hand. You only have to tell Jerry your information once before getting the best five to seven quotes from over 55 companies.

How do different factors impact your car insurance costs in Bartow?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
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Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Bartow:

Cheap car insurance quotes in Bartow after driving violations

Driver violation points can have a significant impact on your insurance rates. The more points you have, the more high-risk your
Georgia driving record
. If you’re struggling to find affordable rates, here’s what to look for:

Cheapest car insurance in Bartow after speeding ticket

A
Georgia speeding ticket
will cost you anywhere between $25 to $700, but that’s not the worst of it. Your car insurance rates in Bartow could be up to 13% more expensive for years afterward. 
To find savings, you’ll need to compare car insurance quotes from as many providers as you can. Here’s how much Bartow drivers with speeding tickets saved using this method (and Jerry’s help):
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$69
Ryan, 34
Zip: 30413
Hyundai Tiburon
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Allstate
$53
Danny, 33
Zip: 30413
Isuzu Ascender
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 23, 2024

Cheapest car insurance in Bartow after DUI

Committing a
DUI in Georgia
comes with longer-lasting consequences than a ticket, a jail sentence, and a license suspension. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums for many years.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Bartow even after a DUI conviction.
card cover
Alex (33 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationBartow, GA
(Zip Code: 30413)
$46
per month
card cover
Devin (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBartow, GA
(Zip Code: 30413)
$69
per month

Cheapest car insurance in Bartow after an at-fault accident

A few at-fault accidents in your driving history can add many more dollars to your monthly car insurance bills. Auto insurance providers use your
Georgia driving record
to predict how many claims you might make (and how much money you could cost the company); if you appear to be a high-risk investment, they’ll charge you high premiums.
With Jerry’s help, drivers in Bartow found savings with these companies after their at-fault accident:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Allstate
$49
Flora, 43
Zip: 30413
Mercury Grand
• 50,000/100,000 Liability
At Fault With No Injury
Travelers
$50
Mina, 34
Zip: 30413
Honda Accord
• 50,000/100,000 Liability
coverageLast Updated Mar 28, 2024

Cheapest car insurance in Bartow after other driving violations

Other moving violations, such as driving without a license, stunt driving, or
reckless driving in Georgia
come with their fair share of car insurance woes. If you’ve been hit with traffic tickets and high premiums, here are some of the best companies in Bartow to check for savings:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Safeco
$67
Lois, 35
Zip: 30413
Plymouth Voyager
• State Minimum Liability
• Comp / Collision
Defective Equipment
Nationwide
$52
Jim, 43
Zip: 30413
BMW 540
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 24, 2024

Cheap car insurance quotes in Bartow by age

Car insurance rates follow an inverse bell curve as you age—they start high when you're a teen driver, drop in the middle, and then rise again as you become a senior driver.

Cheapest car insurance in Bartow for young drivers

In general,
teen drivers
between 16 and 19 pay the highest insurance rates of any demographic because they are the most likely to be involved in a car accident. 
If you’ve got a young driver on your insurance policy, consider investing in full-coverage car insurance. You can offset the extra cost by shopping with Jerry for the cheapest car insurance for young drivers in Bartow.
card cover
Kyle (19 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationBartow, GA
(Zip Code: 30413)
$62
per month
card cover
Nicholas (20 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBartow, GA
(Zip Code: 30413)
$79
per month

Cheapest car insurance in Bartow for senior drivers

Car insurance rates for senior drivers climb after their 70th birthday for several reasons:
  • They may experience a decline in vision, hearing, and reaction time
  • They are at an increased risk of being involved in a car accident
  • They are more likely to suffer severe injuries in a collision 
The best car insurance companies for seniors
in Bartow offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
card cover
Ian (67 years old)
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$45
per month
card cover
Floyd (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBartow, GA
(Zip Code: 30413)
$47
per month

Cheap car insurance quotes in Bartow based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Bartow.
card cover
Dora (48 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBartow, GA
(Zip Code: 30413)
$101
per month
card cover
Lucas (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$64
per month
card cover
Nicholas (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$64
per month
card cover
Maud (48 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBartow, GA
(Zip Code: 30413)
$101
per month
card cover
Marcus (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationBartow, GA
(Zip Code: 30413)
$64
per month

How to lower car insurance costs in Bartow

1. Shop around and compare quotes

Unless you compare auto insurance quotes, you can't be 100% sure that you're getting the best deal. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
It may seem like a huge task, but Jerry makes it quick! Sign up in 45 seconds and compare five to seven quotes in less than a minute. You get all the benefits of comparison shopping without having to invest any time or money.

 2. Hunt for car insurance discounts

Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Bartow?

People living in Bartow pay on average $104 per month – or $1,253 per year – on state-minimum liability coverage. Full coverage in Bartow costs on average $212 per month or $2,554 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the best car insurance in Bartow?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
Nationwide
Progressive
, and 
Kemper
 receive good ratings from Bartow drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 

What is the cheapest car insurance in Bartow?

Based on thousands of Bartow drivers Jerry has worked with, car insurance in Bartow costs an average of $104 per month for state-minimum coverage and $212 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the minimum car insurance in Bartow, Georgia?

The state-minimum car insurance in Bartow, Georgia is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. As a car owner herself, Amy is passionate about creating content that helps consumers navigate challenging and sometimes difficult processes relating to car ownership and achieve financial success in areas relating to cars.
A lifelong writer with over 10 years of experience as a freelance editor, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.