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Cheapest car insurance in Bogart, Georgia (Jul 2024)

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

How to find the cheapest car insurance in Bogart

On average, car insurance in Bogart costs about $125 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Bogart drivers pay 6% less than the average rate in Georgia.  
When it comes to full coverage car insurance, most Bogart, Georgia drivers find affordable rates with Clearcover ($135/month),
Travelers
($141/month), and
Mercury Auto
($143/month). Those looking for liability-only policies often find cheaper rates with
State Auto
($55/month),
Safeco
($60/month), and Gainsco ($69/month).
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.
In Bogart,
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
$114
Viola, 47
Zip: 30622
Chevrolet Trax LS
• 50,000/100,000 Liability
Safeco
$88
Clifford, 51
Zip: 30622
Dodge RAM 1500
• 50,000/100,000 Liability
• Comp / Collision
Infinity
$205
Dustin, 32
Zip: 30622
Honda Civic SI
• State Minimum Liability
Assurance America
$228
Albert, 22
Zip: 30622
Honda Civic EX
• State Minimum Liability
coverageLast Updated Jul 12, 2024

Cheapest Bogart 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 Bogart 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 Bogart

Looking for the most competitive car insurance rates in Bogart? 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 Bogart 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 Bogart 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
No single provider will offer the ‘best’ rates for all drivers. However, most motorists in Bogart, Georgiafind lower than average full coverage costs with Clearcover, Travelers, and Mercury Auto. On the other hand, State Auto, Safeco, and Gainsco offer cheaper liability-only options.
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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 Bogart

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

The minimum liability coverage requirements in Georgia—and by extension, Bogart—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 Bogart drivers to find:
card cover
Sophie (22 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
carNissan Maxima SE
$97
per month
card cover
Gainsco
Cordelia (32 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$166
per month
card cover
Ellen (30 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
carHonda Accord SE
$147
per month

Do you need more than minimum coverage in Bogart?

Drivers in Bogart should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Bogart, 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 Bogart

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 Bogart.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$75
Rachel, 47
Zip: 30622
Honda CR-V EX
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$88
Clifford, 51
Zip: 30622
Dodge RAM 1500
• State Minimum Liability
• Comp / Collision
Bristol West
$348
Stanley, 38
Zip: 30622
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
Assurance America
$91
David, 47
Zip: 30622
Chevrolet Trax LS
coverageLast Updated Jul 15, 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 Bogart

After helping thousands of Bogart drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around $125 per month or $1,500 per year.
The average cost for full coverage insurance in Bogart increases to $150 per month or $1,800 per year.
Bogart 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!

Car insurance quotes in Bogart by rating factors 

Various factors change
how your car insurance premiums are calculated
in Bogart, 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 Bogart?

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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 Bogart:

Cheap car insurance quotes in Bogart 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 Bogart 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 Bogart 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 Bogart drivers with speeding tickets saved using this method (and Jerry’s help):
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$72
Dominic, 33
Zip: 30622
Alfa Romeo Giulia
• 50,000/100,000 Liability
Speeding 6-10
Travelers
$64
Mike, 45
Zip: 30622
Chrysler 300C
• State Minimum Liability
coverageLast Updated Jul 13, 2024

Cheapest car insurance in Bogart 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 Bogart even after a DUI conviction.
card cover
Phillip (37 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBogart, GA
(Zip Code: 30622)
$61
per month
card cover
Rosetta (30 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$67
per month

Cheapest car insurance in Bogart 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 Bogart found savings with these companies after their at-fault accident:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$131
Russell, 30
Zip: 30622
Honda Accord SE
• State Minimum Liability
Not At Fault
Mercury
$137
Mamie, 55
Zip: 30622
Toyota Corolla L
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$88
Bryan, 51
Zip: 30622
Dodge RAM 1500
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

Cheapest car insurance in Bogart 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 Bogart to check for savings:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$131
Marguerite, 30
Zip: 30622
Honda Accord SE
• State Minimum Liability
Failure to Obey Signal
Safeco
$149
Edna, 30
Zip: 30622
Honda Accord SE
• State Minimum Liability
coverageLast Updated Jul 16, 2024

Cheap car insurance quotes in Bogart 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 Bogart 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 Bogart.
card cover
Jennie (22 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
carNissan Maxima SE
$138
per month
card cover
Jeremiah (22 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$313
per month

Cheapest car insurance in Bogart 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 Bogart offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
card cover
Myrtle (73 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBogart, GA
(Zip Code: 30622)
$56
per month
card cover
Robert (71 years old)
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$81
per month

Cheap car insurance quotes in Bogart 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 Bogart.
card cover
Ronnie (47 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBogart, GA
(Zip Code: 30622)
$114
per month
card cover
Jacob (51 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBogart, GA
(Zip Code: 30622)
carDodge RAM 1500
$88
per month
card cover
Ruth (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$348
per month
card cover
Marc (32 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationBogart, GA
(Zip Code: 30622)
$208
per month
card cover
Devin (47 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBogart, GA
(Zip Code: 30622)
$114
per month

Cheap car insurance quotes in Bogart 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, Bogart 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
550 - 659
Progressive
$114
Leonard, 47
Zip: 30622
Chevrolet Trax LS
• 50,000/100,000 Liability
coverageLast Updated Jul 16, 2024

How to lower car insurance costs in Bogart

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 Bogart?

People living in Bogart pay on average $125 per month – or $1,500 per year – on state-minimum liability coverage. Full coverage in Bogart costs on average $150 per month or $1,800 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 Bogart?

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 Bogart 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 Bogart?

Based on thousands of Bogart drivers Jerry has worked with, car insurance in Bogart costs an average of $125 per month for state-minimum coverage and $150 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 Bogart, Georgia?

The state-minimum car insurance in Bogart, 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
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
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
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.