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Cheapest car insurance in Hazlehurst, Georgia (Sep 2024)
Cheapest car insurance in Hazlehurst, Georgia (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hazlehurst, Georgia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Hazlehurst
- Cheapest Hazlehurst car insurance for good drivers
- Best car insurance companies in Hazlehurst
- Best cheap car insurance quotes in Hazlehurst
- Average cost of car insurance in Hazlehurst
- Car insurance quotes in Hazlehurst by rating factors
- How do different factors impact your car insurance costs in Hazlehurst?
- How to lower car insurance costs in Hazlehurst
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Hazlehurst
On average, car insurance in Hazlehurst costs about $100 per month for minimum coverage liability insurance, and about $152per month for full coverage insurance. Hazlehurst drivers pay 8% less than the average rate in Georgia.
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 Hazlehurst,
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $73 | Christopher, 69 Zip: 31539 | Ford Edge SEL Plus | • State Minimum Liability |
| Allstate | $210 | Lee, 30 Zip: 31539 | Nissan Armada Platinum | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $224 | Adeline, 30 Zip: 31539 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
| Bristol West | $183 | Katharine, 40 Zip: 31539 | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 19, 2024Cheapest Hazlehurst 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 Hazlehurst 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 |
|
Erick 34 | 85 | 25% | No |
|
Billie, 44 | 92 | 39% | No |
|
Matthew, 54 | 77 | 23% | No |
|
Angela, 64 | 74 | 20% | No |
|
Best car insurance companies in Hazlehurst
Looking for the most competitive car insurance rates in Hazlehurst? 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 Hazlehurst 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 Hazlehurst rated different companies on a scale of 0 to 5.
| 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.
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 Hazlehurst
To comply with
Georgia car insurance laws
, all drivers in Hazlehurst 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 Hazlehurst
The minimum liability coverage requirements in Georgia—and by extension, Hazlehurst—are 25/50/25.
In other words, you’ll need to buy a policy that provides at least:
- $50,000 of bodily injury 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 Hazlehurst drivers to find:
Christopher (69 years old)
$73
per month
Gainsco
Loretta (29 years old)
$127
per month
Electric
Irene (75 years old)
$86
per month
Do you need more than minimum coverage in Hazlehurst?
Drivers in Hazlehurst should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Hazlehurst, 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 Hazlehurst
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 Hazlehurst.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $215 | Olga, 40 Zip: 31539 | Ford F150 Supercrew |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $210 | Lee, 30 Zip: 31539 | Nissan Armada Platinum |
• State Minimum Liability • Comp / Collision | Mercury | $224 | Adeline, 30 Zip: 31539 | Nissan Altima 2.5 |
• State Minimum Liability • Comp / Collision | Clearcover | $174 | Lizzie, 47 Zip: 31539 | Ford Flex Limited |
• State Minimum Liability • Comp / Collision | National General | $293 | Adam, 26 Zip: 31539 | Chevrolet Traverse LS |
Last Updated Sep 19, 2024Using 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.
Average cost of car insurance in Hazlehurst
After helping thousands of Hazlehurst drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around $100 per month or $1,198 per year.
The average cost for full coverage insurance in Hazlehurst increases to $152 per month or $1,823 per year.
Hazlehurst 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 Hazlehurst by rating factors
- 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 Hazlehurst?
How do different factors impact your car insurance costs in Hazlehurst?
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 Hazlehurst:
Cheap car insurance quotes in Hazlehurst 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 Hazlehurst 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 Hazlehurst even after a DUI conviction.
Cheapest car insurance in Hazlehurst 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 Hazlehurst found savings with these companies after their at-fault accident:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $169 | Sean, 28 Zip: 31539 | Chevrolet Silverado K1500 | • State Minimum Liability |
Not At Fault | Progressive | $142 | Rosalie, 47 Zip: 31539 | Chevrolet Silverado C1500 LT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $148 | Helena, 25 Zip: 31539 | Ford Fusion SE | • 30,000/85,000 Liability • Comp / Collision |
Last Updated Sep 14, 2024Cheapest car insurance in Hazlehurst 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 Hazlehurst to check for savings:Last Updated Sep 14, 2024Cheap car insurance quotes in Hazlehurst 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 Hazlehurst 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 Hazlehurst.
May (23 years old)
$118
per month
Anne (23 years old)
$323
per month
Cheapest car insurance in Hazlehurst 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 Hazlehurst offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.Christopher (69 years old)
$73
per month
Electric
Irene (75 years old)
$86
per month
Cheap car insurance quotes in Hazlehurst 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 Hazlehurst.
Lida (28 years old)
$169
per month
Betty (59 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hazlehurst, GA (Zip Code: 31539)
$124
per month
Birdie (33 years old)
$90
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 Hazlehurst 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, Hazlehurst 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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $98 | Alan, 22 Zip: 31539 | Nissan Altima 2.5 | • State Minimum Liability |
660 - 750 | Progressive | $98 | Leonard, 22 Zip: 31539 | Nissan Altima 2.5 | • State Minimum Liability |
550 - 659 | Progressive | $119 | Timothy, 23 Zip: 31539 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Bristol West | $223 | Mary, 28 Zip: 31539 | Chevrolet Silverado K1500 | • State Minimum Liability |
Last Updated Sep 16, 2024Cheap car insurance quotes in Hazlehurst for popular cars
Your vehicle plays an important role in determining your annual insurance premiums. High safety ratings and vehicle anti-theft devices make your car safer to drive, harder to steal, and cheaper to insure.
These five models won the Hazlehurst popular vote with high scores in all three categories:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 ST | Progressive | $203 | Laura, 22 Zip: 31539 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 19, 2024How to lower car insurance costs in Hazlehurst
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 aclean driving recordfor 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
Who has the cheapest car insurance in Georgia?
Jerry’s survey found that Elephant, Freedom, MetLife, and TSC Direct ranked the best for policy cost according to Georgia drivers. Use the Jerry app to pull custom quotes and find out which company offers the cheapest rate for your unique driver profile—it might even be a company that’s not on this list!
How can I lower my car insurance in Georgia?
Qualifying for discounts, increasing your deductible (if you have full coverage), and shopping around at multiple companies are the best ways to lower your car insurance payment.
Does credit score affect car insurance?
Credit score does affect car insurance rates. Like most states, Georgia allows companies to use a person’s credit score when calculating risk and assigning premiums. People with great credit scores (750+) tend to get the best rates. The good news is that you can improve your score to lower your premium.
Why did my car insurance go up in Georgia?
A rate hike might be due to your individual driving record. However, many Georgia residents may also notice a bump in their premium due to an increase in accident rates in the state.
Why is GEICO so expensive in Georgia?
In Georgia, the Insurance Commissioner no longer has a role in approving or denying rate hikes for certain types of coverage. This means that companies like GEICO can and do increase premiums. While GEICO is more affordable in Georgia than in other states, they’re not the only insurance company to raise rates on Georgia drivers due to increases in the cost of living and risks associated with serious weather and traffic accidents in this state.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
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.