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Cheapest car insurance in Lula, Georgia (Nov 2024)
Cheapest car insurance in Lula, Georgia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lula, Georgia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance in Lula
- Best car insurance companies in Lula
- Average cost of car insurance in Lula
- Car insurance quotes in Lula by rating factors
- How do different factors impact your car insurance costs in Lula?
- Cheap car insurance quotes in Lula after driving violations
- Cheap car insurance quotes in Lula based on insurance history
- Cheap car insurance quotes in Lula for popular cars
- How to lower car insurance costs in Lula
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Lula
On average, car insurance in Lula costs about $68 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Lula drivers pay 15% 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—and you can start with Jerry
.Best car insurance companies in Lula
Looking for the most competitive car insurance rates in Lula? 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. The table below shows how drivers in Lula 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.
Cheap minimum liability insurance quotes in Lula
To comply with
Georgia car insurance laws
, all drivers in Lula must carry liability car insurance
.
The minimum liability coverage requirements in Georgia 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
Here are some of the deals Jerry helped Lula drivers to find:
Mae (36 years old)
$137
per month
Gainsco
Sue (36 years old)
$183
per month
Tony (41 years old)
$115
per month
Do you need more than minimum coverage in Lula?
Drivers in Lula should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident, 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 Lula
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 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.
Using a car insurance comparison app or website is the fastest way to find savings. With Jerry, you can compare quotes from the best providers in Lula. Here are some real quotes drivers found with the app:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $188 | Rosie, 28 Zip: 30554 | Dodge Avenger SE |
• State Minimum Liability • Comp / Collision | Gainsco | $183 | Sue, 36 Zip: 30554 | Hyundai Elantra GT |
• 100,000/300,000 Liability • Comp / Collision | Electric | $226 | Sean, 47 Zip: 30554 | KIA Sportage EX |
• State Minimum Liability • Comp / Collision | Assurance America | $119 | Oscar, 36 Zip: 30554 | Ford F150 Supercrew |
Last Updated Nov 20, 2024
"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 Lula
The average cost for full coverage insurance in Lula is about $150 per month or $1,794 per year. Costs start at about $68 per month for minimum liability coverage.
Lula average insurance rates can help you build a budget, but they aren’t the whole story. Every driver’s insurance premiums are determined by several factors.
So, don’t be surprised if you end up spending more—or less if you comparison shop!
Car insurance quotes in Lula 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 ZIP code: 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 Lula?
How do different factors impact your car insurance costs in Lula?
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 Lula:
Cheap car insurance quotes in Lula 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
. Here’s how your rates can change with violations in Lula.Cheapest car insurance in Lula after DUI
Committing a
DUI in Georgia
comes with longer-lasting consequences than a ticket. 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 Lula even after a DUI conviction.
Cheapest car insurance in Lula 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. If you appear to be a high-risk investment, they’ll charge you higher premiums.
With Jerry’s help, drivers in Lula 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 | $138 | Brett, 40 Zip: 30554 | Lexus RX 330 | • State Minimum Liability |
Not At Fault | Progressive | $138 | Mae, 40 Zip: 30554 | Lexus RX 330 | • State Minimum Liability |
At Fault With No Injury | Bristol West | $133 | Ruth, 41 Zip: 30554 | Ford Edge SEL | • State Minimum Liability |
Last Updated Nov 23, 2024Cheapest car insurance in Lula 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. To keep your rates low, practice safe driving techniques and maintain a clean driving record.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Wrong Way/Wrong Lane | Electric | $226 | Rebecca, 46 Zip: 30554 | KIA Sportage EX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheapest car insurance in Lula 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 Lula.
Cheapest car insurance in Lula 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 Lula offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
Cheap car insurance quotes in Lula based on insurance history
As you can guess, a car insurance lapse can also 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 Lula.
Eunice (40 years old)
$138
per month
Gainsco
Lewis (38 years old)
$214
per month
Willie (40 years old)
$138
per month
Cheap car insurance quotes in Lula 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, Lula 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 |
|---|---|---|---|---|---|
550 - 659 | Progressive | $303 | Corey, 24 Zip: 30554 | Chevrolet Silverado K1500 LT | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $214 | Stanley, 38 Zip: 30554 | Ford Focus SE | • State Minimum Liability |
Last Updated Nov 23, 2024Cheap car insurance quotes in Lula 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.
How to lower car insurance costs in Lula
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’re a good driver, you could reap a low rate as a reward!
- Good students. Full-time 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 Lula?
People living in Lula pay on average $68 per month – or $818 per year – on state-minimum liability coverage. Full coverage in Lula costs on average $150 per month or $1,794 per year.
What is the cheapest car insurance in Lula?
Based on thousands of Lula drivers Jerry has worked with, car insurance in Lula costs an average of $68 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 best car insurance in Lula?
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 Lula drivers, based on the largest car insurance survey in the nation conducted by Jerry.
What is the minimum car insurance in Lula, Georgia?
The state-minimum car insurance in Lula, 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
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.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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.