Cheapest car insurance in Bartow, Georgia (Nov 2024)

Georgia car insurance laws

Berkshire Hathaway

Allstate

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 company	Overall rating	Price	Claims experience	Customer 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

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

, 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:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$25,000 of

property damage liability

coverage per accident

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:

full-coverage car insurance

Keith (28 years old)

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Acura Integra LS

$64

per month

Assurance America

Jack (36 years old)

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Nissan Altima 2.5

$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

, 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 coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Bristol West	$107	Peter, 28 Zip: 30413	Acura Integra LS
• State Minimum Liability • Comp / Collision	Assurance America	$197	Jack, 36 Zip: 30413	Nissan Altima 2.5

Last Updated Nov 18, 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.

"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.

| Verified Jerry Customer

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.

Compare car insurance costs in other states

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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?

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 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

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 Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Travelers	$57	Betty, 34 Zip: 30413	Mazda 3	• 100,000/300,000 Liability
Speeding 6-10	Nationwide	$73	Beatrice, 38 Zip: 30413	Toyota 4runner	• 50,000/100,000 Liability

Last Updated Nov 22, 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.

Lily (38 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Bartow, GA
(Zip Code: 30413)

Jeep Wrangler

$59

per month

reckless driving in Georgia

Carolyn (37 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bartow, GA
(Zip Code: 30413)

Porsche Macan

$60

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 type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Allstate	$71	Max, 36 Zip: 30413	RAM 1500	• State Minimum Liability
At Fault With No Injury	Safeco	$70	Pauline, 42 Zip: 30413	Subaru WRX	• 50,000/100,000 Liability

Last Updated Nov 20, 2024

Cheapest car insurance in Bartow after other driving violations

Other moving violations, such as driving without a license, stunt driving, or

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:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$65	Ryan, 41 Zip: 30413	Honda Odyssey	• 100,000/300,000 Liability
Defective Equipment	Safeco	$53	Jared, 31 Zip: 30413	Chevrolet Impala	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 17, 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.

The best car insurance companies for seniors

Ethan (23 years old)

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Porsche Macan

$81

per month

Travelers

Mabel (21 years old)

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

KIA Seltos

$74

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

in Bartow offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.

Sam (75 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Bartow, GA
(Zip Code: 30413)

Acura Integra

$51

per month

Raymond (68 years old)

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Pontiac G8

$46

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.

Francisco (48 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bartow, GA
(Zip Code: 30413)

Ford Explorer XLT

$101

per month

Alvin (27 years old)

Currently Insured

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Acura Integra LS

$64

per month

Nelle (27 years old)

Currently Insured

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Acura Integra LS

$64

per month

Susan (48 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bartow, GA
(Zip Code: 30413)

Ford Explorer XLT

$101

per month

shopping for car insurance quotes

Isabelle (27 years old)

Currently Insured

Coverage

State Minimum

Bartow, GA
(Zip Code: 30413)

Acura Integra LS

$64

per month

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Cheap car insurance quotes in Bartow for popular cars

The five most popular cars in Georgia are:

Of these models, the

cheapest cars to insure

are those with low purchase, parts, and repair costs. If you want to splurge, look for models with high safety ratings, advanced assistive technology, and solid anti-theft measures; all three will help you get lower car insurance rates.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Chevrolet Chevrolet_silverado	Travelers	$59	Theresa, 43 Zip: 30413	• State Minimum Liability
RAM 1500	Progressive	$60	Rena, 39 Zip: 30413	• State Minimum Liability

Last Updated Nov 22, 2024

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

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.

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

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