Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Newnan, Georgia (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Newnan, Georgia.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Maria Cruz
Expert Insurance Writer & Editor
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Best car insurance companies in Newnan

Looking for the most competitive car insurance rates in Newnan? 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 Newnan 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 Newnan 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
Highlighticon

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 Newnan

On average, car insurance in Newnan costs about $112 per month for minimum coverage liability insurance, and about $271 per month for full coverage insurance. Newnan drivers pay 13% more 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 Newnan,
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
$108
Walter, 58
Zip: 30263
Volvo XC90 T6
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$149
Nellie, 43
Zip: 30265
Nissan Sentra S
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$105
John, 41
Zip: 30263
Volkswagen Jetta TDI
• State Minimum Liability
• Comp / Collision
Nationwide
$160
Gene, 33
Zip: 30265
Nissan Altima 2.5
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$202
Leila, 24
Zip: 30265
Honda Civic Sport
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

Cheapest Newnan 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 Newnan 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 cheap car insurance quotes in Newnan

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

The minimum liability coverage requirements in Georgia—and by extension, Newnan—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 Newnan drivers to find:
card cover
Dylan (56 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30263)
carChevrolet Trax 1LT
$149
per month
card cover
Oscar (43 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
carChrysler 300 Touring
$100
per month
card cover
Jessie (29 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
$157
per month
card cover
Nannie (58 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
carSubaru Impreza Outback Sport
$103
per month

Do you need more than minimum coverage in Newnan?

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

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 Newnan.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$108
Walter, 58
Zip: 30263
Volvo XC90 T6
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$149
Nellie, 43
Zip: 30265
Nissan Sentra S
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$202
Leila, 24
Zip: 30265
Honda Civic Sport
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$160
Gene, 33
Zip: 30265
Nissan Altima 2.5
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$343
Lida, 62
Zip: 30263
Honda Odyssey EXL
coverageLast Updated Mar 26, 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 Newnan

After helping thousands of Newnan drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around $112 per month or $1,344 per year.
The average cost for full coverage insurance in Newnan increases to $271 per month or $3,255 per year.
Newnan 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!

Average cost of car insurance in Newnan by zip code

Zip codes not only indicate where your car insurance provider should send your bills but also how likely you are to file a claim. 
Zip codes with high traffic, crime, or car accident rates (or all three) are considered "riskier" than others to insure. The drivers in these neighborhoods tend to pay higher insurance premiums than those in other parts of Newnan.
ZIP codeMonthly minimum costMonthly full coverage cost
30263
$101
$197
30265
$110
$193

Car insurance quotes in Newnan by rating factors

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

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
icon
Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Newnan:

Cheap car insurance quotes in Newnan 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 Newnan 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 Newnan 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 Newnan drivers with speeding tickets saved using this method (and Jerry’s help):
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$109
Mark, 32
Zip: 30263
BMW 525 iT Automatic
• State Minimum Liability
Speeding 11-15
Assurance America
$280
Fred, 34
Zip: 30263
Honda CR-V Touring
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Safeco
$261
Raymond, 30
Zip: 30265
KIA Optima LX
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Allstate
$157
Addie, 29
Zip: 30265
KIA Forte FE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Cheapest car insurance in Newnan 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 Newnan even after a DUI conviction.
card cover
Pearl (28 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30263)
$125
per month

Cheapest car insurance in Newnan 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 Newnan found savings with these companies after their at-fault accident:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$209
Olive, 34
Zip: 30265
BMW 530E
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$218
Steven, 51
Zip: 30265
Infiniti Q50
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Nationwide
$160
Ora, 33
Zip: 30265
Nissan Altima 2.5
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$277
Steve, 29
Zip: 30263
Jeep Wrangler Unlimited Sahara
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 27, 2024

Cheapest car insurance in Newnan 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 Newnan to check for savings:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$109
Logan, 37
Zip: 30265
Jaguar XF 3.0 Sport
• State Minimum Liability
• Comp / Collision
Failure to Yield
Travelers
$222
Francis, 33
Zip: 30265
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Gainsco
$195
Jennie, 41
Zip: 30263
Ford Edge SE
• State Minimum Liability
• Comp / Collision
Careless Driving
Mercury
$502
Warren, 33
Zip: 30263
Dodge Charger R/T
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
National General
$160
Michael, 44
Zip: 30265
Honda CR-V LX
• State Minimum Liability
Failure to Yield
Allstate
$154
Linnie, 33
Zip: 30265
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
National General
$193
Stephen, 32
Zip: 30263
Ford Ranger Super Cab
• 50,000/100,000 Liability
coverageLast Updated Mar 29, 2024

Cheap car insurance quotes in Newnan 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 Newnan 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 Newnan.
card cover
Tom (23 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30263)
carFord Focus SEL
$195
per month
card cover
Leila (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30265)
$202
per month
card cover
Lilly (21 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
$113
per month
card cover
Clearcover
Lola (23 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
$281
per month

Cheapest car insurance in Newnan 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 Newnan offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
card cover
Chris (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30263)
carHyundai Santa FE Calligraphy
$143
per month
card cover
Helena (75 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30265)
$235
per month
card cover
Aiden (104 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30265)
carMaserati Ghibli
$222
per month
card cover
Tom (65 years old)
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30263)
$138
per month

Cheap car insurance quotes in Newnan 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 Newnan.
card cover
Aaron (58 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30263)
$108
per month
card cover
Maud (62 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30263)
$343
per month
card cover
Jeffrey (24 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30265)
$202
per month
card cover
Tyler (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationNewnan, GA
(Zip Code: 30263)
$105
per month
card cover
Terry (51 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewnan, GA
(Zip Code: 30265)
$228
per month

Cheap car insurance quotes in Newnan 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, Newnan 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
> 750
Assurance America
$126
Sara, 24
Zip: 30263
Honda Civic EXL
• State Minimum Liability
660 - 750
Progressive
$78
Christopher, 43
Zip: 30263
Chevrolet Silverado C1500
• State Minimum Liability
660 - 750
Allstate
$202
Jeffrey, 24
Zip: 30265
Honda Civic Sport
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Travelers
$222
Howard, 33
Zip: 30265
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
< 550
Bristol West
$245
Effie, 45
Zip: 30265
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 29, 2024

How to lower car insurance costs in Newnan

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 Newnan?

People living in Newnan pay on average $112 per month – or $1,348 per year – on state-minimum liability coverage. Full coverage in Newnan costs on average $271 per month or $3,255 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 cheapest car insurance in Newnan?

Based on thousands of Newnan drivers Jerry has worked with, car insurance in Newnan costs an average of $112 per month for state-minimum coverage and $271 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 Newnan?

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 Newnan 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 minimum car insurance in Newnan, Georgia?

The state-minimum car insurance in Newnan, 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
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
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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.