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Cheapest car insurance in Dalton, Georgia (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Dalton, Georgia.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Dalton

In Dalton, the average cost of state minimum car insurance is $86 every month, or $1,039 each year. If you’re looking for full coverage, the number increases to $171 each month on average, or $2,047 annually.  
There’s no finding the one and only
cheap car insurance company in Georgia
. Your ideal auto insurance provider depends on your driver profile, your credit score, your vehicle, and, of course, where you live! That's why it's essential to compare multiple quotes to find the best coverage at the most affordable price.
Most drivers in Dalton find affordable state minimum coverage with companies like
Travelers
($35/month),
Nationwide
($43/month), Met360 ($46/month), and
State Auto
($56/month). For full coverage, motorists can find affordable rates with Mercury Auto ($113/month), Clearcover ($124/month), Progressive ($140/month), and Travelers ($142/month).  
In Dalton,
Jerry
is the go-to destination for thousands of savvy car insurance shoppers. We’ve made it simple to compare and buy
car insurance
—without endless paperwork, phone calls, or confusion!
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$178
Ethan, 28
Zip: 30721
Mazda 6 Grand Touring Reserve
• State Minimum Liability
• Comp / Collision
Travelers
$172
Theodore, 50
Zip: 30720
Hyundai Sonata SE
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$60
Olivia, 33
Zip: 30720
Chevrolet Malibu
• State Minimum Liability
Allstate
$87
Randall, 49
Zip: 30720
Chrysler Town & Country Touring
• 50,000/100,000 Liability
Bristol West
$174
Joel, 30
Zip: 30720
GMC Acadia SLT-1
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 23, 2024

Cheapest Dalton 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 Dalton 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 Dalton

Looking for the most competitive car insurance rates in Dalton? Jerry conducted one of the nation's largest insurance shopping surveys to find the answer to that very question.
We discovered that
GEICO
and
State Farm
hold the biggest market shares, but they’re not necessarily the best insurers for every driver. 
Drivers in Dalton rated smaller insurance companies like Clearcover, Gainsco,
Safeco
, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy costs, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service. 
The table below shows how drivers in Dalton rated different companies on a scale of 0 to 5.
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
There’s no one insurance company that offers the best rates for every driver. Providers all use their own algorithms and calculations to determine rates—so what might be best for you might look completely different for someone else. 
Drivers can find affordable state minimum coverage with companies like Travelers, Nationwide, and Met360, all of which have average monthly payments under $50. Affordable full coverage can be found with insurance providers like Mercury Auto, Clearcover, and Progressive, all of which have average monthly payments under $150.
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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 Dalton

To comply with
Georgia car insurance laws
, all drivers in Dalton 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 Dalton

The minimum liability coverage requirements in Georgia—and by extension, Dalton—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 Dalton drivers to find:
card cover
Ethan (28 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
carMazda 6 Grand Touring Reserve
$178
per month
card cover
Cornelia (51 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30720)
$171
per month
card cover
Olivia (33 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30720)
$60
per month
card cover
Gainsco
Jared (41 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
carFord Edge SEL
$111
per month
card cover
Lydia (51 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
carFord F150
$84
per month

Do you need more than minimum coverage in Dalton?

Drivers in Dalton should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Dalton, medical and vehicle repair expenses could easily add up, especially if someone is seriously injured. If anything exceeds your coverage limits, you’ll have to pay it out-of-pocket. Moreover,
Georgia’s car accident laws
allow injured parties to sue for a variety of damages up to two years after a collision.
The bottom line: Consider 50/100/50 or 100/300/100 liability coverage limits for better financial protection.

Cheap full coverage car insurance quotes in Dalton

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 Dalton.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$178
Ethan, 28
Zip: 30721
Mazda 6 Grand Touring Reserve
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$172
Theodore, 50
Zip: 30720
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Allstate
$171
Cornelia, 51
Zip: 30720
Chevrolet Cruze LTZ
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$194
Clarence, 38
Zip: 30720
Chevrolet Impala LS
• 50,000/100,000 Liability
• Comp / Collision
Electric
$135
Justin, 42
Zip: 30721
Dodge Challenger SXT
coverageLast Updated Apr 25, 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.
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Average cost of car insurance in Dalton

The average cost of state minimum coverage in Dalton is $86 every month, or $1,039 each year. Full coverage increases to $171 each month on average, or $2,047 annually. 
Dalton average insurance rates can help you build a budget, but they aren’t the whole story. Every driver’s insurance premiums are determined by a ton of factors, including the type of car they drive, their driver profile, and their claims history. Don’t be surprised if you end up spending more—or less if you comparison shop!

Average cost of car insurance in Dalton by zip code

Zip codes not only indicate where your car insurance provider should send your bills but also how likely you are to file a claim. 
Zip codes with high traffic, crime, or car accident rates (or all three) are considered "riskier" than others to insure. The drivers in these neighborhoods tend to pay higher insurance premiums than those in other parts of Dalton.
ZIP codeMonthly minimum costMonthly full coverage cost
30720
$86
$142
30721
$73
$153

Car insurance quotes in Dalton by rating factors 

Various factors change
how your car insurance premiums are calculated
in Dalton, including:
  • Your driving record and claims history: Accidents and tickets will increase your insurance rates.
  • Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
  • Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
  • Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
  • Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

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

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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 Dalton:

Cheap car insurance quotes in Dalton 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 Dalton 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 Dalton 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 Dalton drivers with speeding tickets saved using this method (and Jerry’s help):
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 11-15
National General
$184
Christina, 31
Zip: 30721
KIA Optima LX
• State Minimum Liability
Speeding 16-20
Progressive
$77
Billy, 46
Zip: 30721
Honda Pilot EX
• State Minimum Liability
coverageLast Updated Apr 24, 2024

Cheapest car insurance in Dalton 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 Dalton even after a DUI conviction.
card cover
Clearcover
Glenn (45 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
$128
per month

Cheapest car insurance in Dalton 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 Dalton found savings with these companies after their at-fault accident:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$123
Rebecca, 33
Zip: 30720
Honda Odyssey Touring
• State Minimum Liability
Not At Fault
Safeco
$141
Ricky, 42
Zip: 30721
Dodge Challenger SXT
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$209
Eugene, 24
Zip: 30721
KIA Forte EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 25, 2024

Cheapest car insurance in Dalton 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 Dalton to check for savings:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$68
Lena, 51
Zip: 30721
Hyundai Tiburon GT
• State Minimum Liability
Cell Phone
Bristol West
$90
Sallie, 40
Zip: 30721
Mazda CX-9
• State Minimum Liability
Careless Driving
National General
$116
Jeffery, 37
Zip: 30721
Chrysler Pacifica Touring
• State Minimum Liability
Driving on Sus. License
Bristol West
$61
Eula, 71
Zip: 30721
Chevrolet Cruze LS
• State Minimum Liability
Failure to Obey Signal
Safeco
$167
Katherine, 36
Zip: 30721
Ford Focus SE
• 50,000/100,000 Liability
Seat Belt
National General
$184
Billy, 31
Zip: 30721
KIA Optima LX
• State Minimum Liability
Improper Passing
Progressive
$199
Miguel, 25
Zip: 30720
Volkswagen Jetta S
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 25, 2024

Cheap car insurance quotes in Dalton 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 Dalton 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 Dalton.
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Jeanette (22 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30720)
$66
per month
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Cornelia (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDalton, GA
(Zip Code: 30721)
$252
per month
card cover
Winifred (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDalton, GA
(Zip Code: 30721)
$209
per month

Cheapest car insurance in Dalton 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 Dalton offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
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Norman (68 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
$94
per month
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Isabel (66 years old)
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
$75
per month

Cheap car insurance quotes in Dalton 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 Dalton.
card cover
Lura (55 years old)
Currently Insured
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30721)
$79
per month
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Mittie (42 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDalton, GA
(Zip Code: 30721)
$141
per month
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Vincent (49 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationDalton, GA
(Zip Code: 30720)
carChrysler Town & Country Touring
$87
per month
card cover
Eugene (24 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDalton, GA
(Zip Code: 30721)
$209
per month
card cover
Leonard (49 years old)
Currently Insured
coverageCoverage
State Minimum
locationDalton, GA
(Zip Code: 30720)
$209
per month

Cheap car insurance quotes in Dalton for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers will see their insurance rates increase if their credit score is 550 or less. 
Compared to their poor credit counterparts, Dalton drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$75
Manuel, 60
Zip: 30721
KIA Sorento LX
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Mercury
$123
Hester, 28
Zip: 30720
Ford Focus SE
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
National General
$119
Delia, 36
Zip: 30720
Dodge RAM 1500 ST
• 50,000/100,000 Liability
550 - 659
National General
$94
Theodore, 40
Zip: 30721
Mazda CX-9
• State Minimum Liability
< 550
Mercury
$100
Dora, 40
Zip: 30721
Dodge Journey SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 23, 2024

How to lower car insurance costs in Dalton

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 Dalton?

People living in Dalton pay on average $86 per month – or $1,039 per year – on state-minimum liability coverage. Full coverage in Dalton costs on average $171 per month or $2,047 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 cheapest car insurance in Dalton?

Based on thousands of Dalton drivers Jerry has worked with, car insurance in Dalton costs an average of $86 per month for state-minimum coverage and $171 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 best car insurance in Dalton?

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 Dalton 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 minimum car insurance in Dalton, Georgia?

The state-minimum car insurance in Dalton, 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
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.