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Cheapest car insurance in Barnesville, Georgia (Nov 2024)
Cheapest car insurance in Barnesville, Georgia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Barnesville, Georgia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Barnesville
- How to find the cheapest car insurance in Barnesville
- Cheapest Barnesville car insurance for good drivers
- Best cheap car insurance quotes in Barnesville
- Average cost of car insurance in Barnesville
- Car insurance quotes in Barnesville by rating factors
- How do different factors impact your car insurance costs in Barnesville?
- Cheap car insurance quotes in Barnesville after driving violations
- Cheap car insurance quotes in Barnesville by age
- Cheap car insurance quotes in Barnesville based on insurance history
- Cheap car insurance quotes in Barnesville for popular cars
- How to lower car insurance costs in Barnesville
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Barnesville
When it comes to the best car insurance companies in Barnesville, GA, bigger doesn’t always mean better.
Take
State Farm
in Barnesville, GA. In Jerry’s national insurance shopping survey, Georgia drivers praised its claims and renewal processes, but gave it a middling score for affordability.Smaller providers like Clearcover and
Safeco
earned overall higher scores. But if you want convenience and a wide range of products, you may find better savings with Progressive
or Mercury Auto
. Take a look at the table below to see how verified policyholders in Georgia rated the biggest insurance companies on a scale from 0 to 5.Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$45 | $215 | 4.0 | 4.3 | |
$83 | $206 | 3.9 | 4.2 | |
$70 | $135 | 4.1 | 4.4 | |
$71 | $184 | 3.5 | 4.0 | |
$95 | $208 | 4.2 | 4.4 | |
$104 | $209 | 3.3 | 4.0 | |
Clearcover | $109 | $170 | 4.4 | 4.7 |
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.
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.
How to find the cheapest car insurance in Barnesville
The average cost of minimum coverage liability insurance in Barnesville is $111 per month and $185 per month for full coverage insurance. Drivers in Barnesville pay 15% less than the average rate in Georgia.
There’s no single cheapest car insurance company in
Georgia
. The best auto insurance provider for you depends on your driver profile, credit score, vehicle, and where you live. Comparing multiple quotes is the key to finding affordable coverage. Jerry
is Barnesville’s one-stop shop for low-cost car insurance. With Jerry, you can easily compare and purchase car insurance without endless paperwork, phone calls, or confusion.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $129 | Jimmy, 39 Zip: 30204 | Ford Mustang | • State Minimum Liability |
Clearcover | $72 | Gregory, 33 Zip: 30204 | Audi A6 Prestige | • State Minimum Liability |
| The General | $172 | Lela, 44 Zip: 30204 | KIA Soul | • State Minimum Liability |
| Assurance America | $393 | Maurice, 25 Zip: 30204 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest Barnesville car insurance for good drivers
Insurance companies use a variety of factors like past claims, age, driving record, zip code, and vehicle type to calculate your insurance rates. Although most of them aren’t in your control, you can always practice safe driving behaviors to maintain a clean driving record.
If you drive responsibly in Barnesville, you can save up to 40% on your insurance premiums. Jerry's DriveShield™ helps you monitor your driving performance and qualify for discounts based on good habits. Here’s how much DriveShield™ helped other drivers cut down their insurance costs.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Irvin, 25 | 92 | 33% | No |
|
Erick 34 | 85 | 25% | No |
|
Billie, 44 | 92 | 39% | No |
|
Matthew, 54 | 77 | 23% | No |
|
Angela, 64 | 74 | 20% | No |
|
Best cheap car insurance quotes in Barnesville
Georgia car insurance laws
require all Barnesville drivers to buy liability car insurance
. It covers all the expenses related to an at-fault car accident, including medical treatment for bodily injuries and repairs and replacements for property damages. In most cases, it’s smart to raise your coverage limits above the state minimum requirements.Cheap minimum liability insurance quotes in Barnesville
Georgia’s minimum liability coverage requirements follow the 25/50/25 rule. That means every Barnesville driver needs a policy that provides at least:
- $50,000 of bodily injury liability coverage per accident
The bare minimum liability coverage is often the cheapest insurance option on the market. Here’s how much other drivers in Barnesville pay after comparing quotes with Jerry:
Jimmy (39 years old)
$129
per month
Clearcover
Gregory (33 years old)
$72
per month
Do you need more than minimum coverage in Barnesville?
Whether you’re a driver in Barnesville or anywhere else, it’s a good idea to carry more than the minimum coverage required by your home state.
Imagine you get into an accident in downtown Barnesville. If any medical expenses or property damage bills exceed your 25/50/25 limits, you’ll have to pay for them out-of-pocket. Remember that
Georgia's car accident laws
allow car accident victims to file a personal injury lawsuit up to two years after the accident. Your coverage could be stretched far beyond the initial accident—and if you can’t afford the charges, your assets and future income could be on the line.Most experts recommend liability limits of 50/100/50 or 100/300/100 to provide better financial protection.
Most experts recommend liability limits of 50/100/50 or 100/300/100 to provide better financial protection.
Cheap full coverage car insurance quotes in Barnesville
Full coverage car insurance
isn’t required by law. It’s a package that includes liability coverage, along with additional coverage options—such as collision coverage
and comprehensive coverage
—for repairs or replacements to your car.Collision insurance takes care of damages to your car caused by an impact on another vehicle or object. On the other hand, comprehensive insurance covers damages caused by things like theft, vandalism, or natural disasters.
If you lease or finance, your lender will probably ask you to carry full coverage insurance until you pay off your car. You can save money by using Jerry to help you find the best rates for full-coverage car insurance in Barnesville.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $191 | Lizzie, 23 Zip: 30204 | Nissan Altima SR |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $192 | Bernice, 30 Zip: 30204 | Chevrolet Blazer RS |
• State Minimum Liability • Comp / Collision | Clearcover | $154 | Kate, 31 Zip: 30204 | Dodge RAM 3500 |
• State Minimum Liability • Comp / Collision | Bristol West | $280 | Amanda, 31 Zip: 30204 | Nissan Altima 2.5 |
Last Updated Nov 21, 2024Comparing car insurance quotes online is quick and easy with a car insurance comparison app or website. Jerry app offers free quotes and a team of over 100 licensed agents who can answer all your questions and make sure you get coverage that fits your insurance needs.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Barnesville
Jerry has assisted thousands of drivers in Barnesville to find affordable car insurance. Based on the data, the average cost of minimum liability coverage is $111 per month, or $1,330 annually. The average cost of full coverage insurance in Barnesville is $185 per month or $2,223 per year.
Keep in mind that while the average insurance rates provide a rough idea of your costs, they shouldn’t be used for detailed financial planning. Every driver's insurance premium
Car insurance quotes in Barnesville by rating factors
Here are some of the factors affecting
how your car insurance premiums are calculated
in Barnesville:- Your age: Younger drivers are often considered higher risk by insurers due to their lack of experience behind the wheel.
- Your credit score: Drivers with poor credit scores may pay higher premiums than those with good credit scores for the same amount of coverage.
- Your driving record and claims history: Having a history of accidents and traffic violations can increase your insurance rates.
- Your parking spot: The location where you park your car can also affect your rates, especially if it's in an area with a high rate of auto insurance claims.
- Your vehicle: Luxury, high-performance, and sports cars are generally more expensive to insure than others.
How do different factors impact your car insurance costs in Barnesville?
How do different factors impact your car insurance costs in Barnesville?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Barnesville:
Cheap car insurance quotes in Barnesville after driving violations
Having too many violations on your
Georgia driving record
can make it tough for you to find affordable car insurance. Your driving record is considered high-risk if you have accumulated a lot of violations over time, such as:- Speeding
- DUI
- At-fault accidents
- Careless/reckless driving
Cheapest car insurance in Barnesville after speeding ticket
If you get a
speeding ticket in Georgia
, it could cost you $25 to $700 in fines, depending on the severity of the offense. But that's not the only cost you should be worried about. If you live in Barnesville, your car insurance rates could go up by as much as 13% for several years. To cut costs, you need to shop around for car insurance. Jerry can help you get a quote and compare prices from different providers from Barnesville to find the best rate, like these other drivers did:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Assurance America | $352 | Jane, 24 Zip: 30204 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Travelers | $232 | Isaac, 30 Zip: 30204 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Barnesville after DUI
Driving under the influence (DUI) in Georgia
can have serious consequences beyond tickets, jail time, or losing your driver's license. If you are convicted of a DUI, insurance companies may consider you a high-risk driver, which means you might have to pay more for car insurance. If you have a DUI on your driving record, it's essential to compare rates from different insurance companies to find the most affordable option. Jerry can help you find the best rates for car insurance in Barnesville, even if you have a DUI conviction.
Cheapest car insurance in Barnesville after an at-fault accident
If you've been in an at-fault car accident, your monthly car insurance bills could go up by a lot. Car insurance companies look at your driving history to figure out how likely you are to have an accident and how much money they might have to pay in claims. If they think you're a risky client, they'll charge you more.
Jerry can help you find affordable car insurance even if you've had an at-fault accident. Here’s what drivers in Barnesville with an accident on record ended up paying after they used Jerry:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $127 | Ruby, 64 Zip: 30204 | Honda Pilot EXL | • State Minimum Liability |
Not At Fault | National General | $176 | Cory, 34 Zip: 30204 | Chevrolet Cruze LT | • State Minimum Liability |
At Fault With No Injury | Safeco | $103 | Dylan, 58 Zip: 30204 | Ford F150 | • State Minimum Liability |
Last Updated Nov 19, 2024Cheapest car insurance in Barnesville after other driving violations
Georgia drivers can get in trouble for things like driving without a license, doing dangerous stunts, or
driving recklessly
. These kinds of problems can make your car insurance more expensive. If you're dealing with traffic tickets and high insurance prices, here are some good companies in Barnesville that might be able to help you save money:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $242 | Mable, 34 Zip: 30204 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Progressive | $79 | Maud, 31 Zip: 30204 | Chevrolet S Truck S10 | • 100,000/300,000 Liability |
Failure to Obey Signal | Safeco | $125 | Margaret, 50 Zip: 30204 | Toyota 4runner Limited | • State Minimum Liability |
Improper Passing | Progressive | $79 | Ollie, 31 Zip: 30204 | Chevrolet S Truck S10 | • 100,000/300,000 Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Barnesville by age
Car insurance rates generally start high for teen drivers, drop for middle age drivers, and rise again for senior drivers.
Cheapest car insurance in Barnesville for young drivers
If you have a teen driver in your family, you may have noticed that their car insurance is more expensive than yours. This is because young drivers, especially those between 16 and 19 years old, have less experience behind the wheel, and are more likely to file a claim.
For better protection, it's a good idea to get full coverage car insurance for your teen, whether they’re on your policy, or their own. Drivers can also lower costs by searching for
affordable car insurance for young drivers
with Jerry.Lizzie (23 years old)
$191
per month
Electric
Rena (22 years old)
$172
per month
Cheapest car insurance in Barnesville for senior drivers
Car insurance rates tend to go up for drivers over 65 years old
, due to the general decline in their vision, hearing, and reaction time. Additionally, drivers are at a higher risk of getting into an accident while driving—and if an accident does occur, they’re more likely to suffer severe injuries. Fortunately, some car insurance companies in Barnesville provide discounts that can help offset these costs. Other options include searching for car insurance quotes on a regular basis to ensure the lowest premium possible for the best coverage. Here’s how real senior policyholders in Barnesville saved using Jerry:
Augusta (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Barnesville, GA (Zip Code: 30204)
$99
per month
Jayden (68 years old)
$73
per month
Cheap car insurance quotes in Barnesville based on insurance history
Your insurance rates could increase after any
car insurance lapses
, as most providers may view you as a potential high-risk policyholder for not maintaining consistent coverage. Jerry’s quote comparing tools and automatic reminders help you start fresh with a new insurance company and keep track of your payments. When your policy renews, you'll get a detailed quote comparison showing whether your current rate is still the most competitive in Barnesville.
Willie (64 years old)
$127
per month
Mabel (30 years old)
$280
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love Geico! Will stay with them for life!
Kristopher
Great Customer Service.
PJ
Very friendly and helpful agents.
Rine
Excellent and easy to use.
Angie
Cheap car insurance quotes in Barnesville for drivers with poor credit
It’s just as important to pay your bills on time as it is to drive safely. Even if you have a good driving record, your insurance rates could go up if your credit score is 550 or below.
By contrast, if you have a high credit score (750+), you could save almost 20% on your car insurance coverage. But even if you have a lower credit score, you can still find affordable insurance rates by shopping around with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $191 | Mamie, 23 Zip: 30204 | Nissan Altima SR | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $191 | Franklin, 23 Zip: 30204 | Nissan Altima SR | • State Minimum Liability • Comp / Collision |
550 - 659 | Allstate | $119 | Ola, 38 Zip: 30204 | Audi A4 2.0T | • 50,000/100,000 Liability |
< 550 | National General | $155 | Dustin, 26 Zip: 30204 | Ford F150 Super Cab | • State Minimum Liability |
Last Updated Nov 20, 2024Cheap car insurance quotes in Barnesville for popular cars
Your annual insurance premiums are partially decided by your choice of vehicle. Certain makes and models are safer to drive and cheaper to insure because they have better anti-theft technology and high safety ratings.
You’re more likely to see these five models on the roads in Barnesville:
And here’s how much different Barnesville drivers pay for coverage with Jerry depending on their vehicle type:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Chevrolet_silverado | Allstate | $77 | Nina, 45 Zip: 30204 | • 100,000/300,000 Liability • Comp / Collision |
| RAM 1500 | Nationwide | $68 | Phillip, 41 Zip: 30204 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 17, 2024How to lower car insurance costs in Barnesville
1. Shop around and compare quotes
It's a good idea to compare auto insurance quotes to ensure you're getting the best possible deal. Industry experts suggest
shopping for car insurance
from at least three different companies every six months, either with an insurance agent or a trusted broker, like Jerry. With the Jerry app, you can compare five to seven quotes in less than a minute. It takes just 45 seconds to sign up and reap all the benefits of comparison shopping without any hassle.
2. Hunt for car insurance discounts
Several providers offer
car insurance discounts
to save policyholder money on premiums. Here are some of the most common options:- Good driver discounts: Maintain a clean driving record for at least three years to qualify for a good driver discount.
- Telematics programs: Numerous insurers offer insurance products, like telematics apps, to help drivers lower costs. Use a telematics device to track and monitor your driving habits. If you're a calm and safe driver, you could be rewarded with a cheaper rate.
- Good student discounts: If you're a full-time high school or college student with a B average or better, you can qualify for a good student discount.
- Bundling discounts: Drivers can combine their auto and home insurance, or auto and renters insurance to save on both homeowners insurance and coverage costs.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got a full-coverage auto insurance policy and you don’t want to give it up, consider raising your deductible to lower your monthly bills.
FAQ
Who has the cheapest car insurance in Georgia?
Because insurance rates are highly individualized, no provider offers the cheapest car insurance in Georgia to every driver—some drivers may find cheaper rates with Clearcover, while others may have more success with
State Farm Insurance
. All savings opportunities depend on your vehicle, location, driver profile, and more.What is the average cost of car insurance in Georgia?
According to Jerry’s data, the average cost of car insurance in Georgia is $1,330 per year or $111 per month for a minimum liability coverage policy. A full coverage policy costs $2,223 per year or $185 per month on average.
Why is Georgia auto insurance so high?
Georgia auto insurance rates are high because the state has an
above-average number of motor vehicle crash deaths
. Fatalities and severe injuries result in incredibly expensive claims, so providers compensate by pushing costs onto consumers.What is the minimum car insurance in Georgia?
The minimum car insurance in Georgia follows the 25/50/25 rule: $25,000 per person in bodily injury liability coverage/$50,000 per accident, and $25,000 per accident in property damage liability 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
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.