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Cheapest car insurance in Smyrna, Georgia (Sep 2023)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Smyrna.
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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Smyrna

On average, car insurance in Smyrna costs about $127 per month for minimum coverage liability insurance, and about $258per month for full coverage insurance. Smyrna drivers pay 7% 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 Smyrna,
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!
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
September 27, 2023
Progressive
$198
Brett, 24
Zip: 30080
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
September 22, 2023
Bristol West
$298
Troy, 40
Zip: 30080
KIA Forte LX
• 50,000/100,000 Liability
• Comp / Collision
September 16, 2023
Allstate
$240
Amanda, 35
Zip: 30082
Mitsubishi Outlander SE
• 100,000/300,000 Liability
• Comp / Collision
September 11, 2023
Safeco
$91
Emily, 58
Zip: 30082
Nissan Altima 2.5
• State Minimum Liability
September 8, 2023
Travelers
$91
Harriett, 45
Zip: 30082
GMC Terrain SLT
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Sep 27, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Smyrna

Looking for the most competitive car insurance rates in Smyrna? 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 Smyrna 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 Smyrna 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.

Best cheap car insurance quotes in Smyrna

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

The minimum liability coverage requirements in Georgia—and by extension, Smyrna—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 Smyrna drivers to find:
Brett (24 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
$198
per month
Emily (58 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30082)
$91
per month
Janie (29 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
$94
per month
Evelyn (33 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30082)
$172
per month

Do you need more than minimum coverage in Smyrna?

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

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 Smyrna.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$198
Brett, 24
Zip: 30080
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$91
Harriett, 45
Zip: 30082
GMC Terrain SLT
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$130
Fred, 32
Zip: 30082
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$240
Amanda, 35
Zip: 30082
Mitsubishi Outlander SE
• 50,000/100,000 Liability
• Comp / Collision
The General
$462
Justin, 33
Zip: 30080
Jeep Wrangler Unlimited Sahara
coverageLast Updated Sep 27, 2023
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.
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"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!"
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Sean S.
Lower my car insurance too!

Average cost of car insurance in Smyrna

After helping thousands of Smyrna drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around.
The average cost for full coverage insurance in Smyrna increases to $258 per month or $$3,099 per year. Costs start at about $127 per month for minimum liability coverage and $258 per month for full coverage policies.
Smyrna 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 Smyrna 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 Smyrna.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
30080
$153
$220
30082
$147
$184

Car insurance quotes in Smyrna by rating factors 

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

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 Smyrna:

Cheap car insurance quotes in Smyrna 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 Smyrna 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 Smyrna even after a DUI conviction.
Shane (36 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
$233
per month
Katherine (48 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSmyrna, GA (Zip Code: 30080)
$108
per month
Cecilia (31 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
carJeep Grand Cherokee Laredo
$326
per month

Cheapest car insurance in Smyrna 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 Smyrna found savings with these companies after their at-fault accident:
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
Progressive
$329
Rachel, 31
Zip: 30080
KIA RIO LX
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$222
Nelle, 45
Zip: 30080
Acura TLX Tech
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Travelers
$91
Stanley, 45
Zip: 30082
GMC Terrain SLT
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$145
Iva, 33
Zip: 30080
Hyundai Sonata SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 24, 2023

Cheapest car insurance in Smyrna 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 Smyrna to check for savings:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Illegal Turn
Progressive
$110
Minerva, 44
Zip: 30080
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
Failure to Yield
Travelers
$160
Harry, 36
Zip: 30082
Mercury Sable LS Premium
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
Allstate
$176
Lois, 41
Zip: 30080
Chevrolet Volt
• 30,000/85,000 Liability
• Comp / Collision
Driving on Sus. License
Safeco
$209
Gregory, 42
Zip: 30080
Nissan Murano S
• 50,000/100,000 Liability
Failure to Obey Signal
National General
$136
Charles, 56
Zip: 30080
BMW 328 i
• 50,000/100,000 Liability
Improper Passing
Assurance America
$232
Ricky, 30
Zip: 30080
KIA Optima SX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 25, 2023

Cheap car insurance quotes in Smyrna 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 Smyrna 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 Smyrna.
Brett (24 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
$198
per month
Theresa (24 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30082)
$288
per month
Jayden (23 years old)
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
$297
per month
Andre (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSmyrna, GA (Zip Code: 30080)
$257
per month

Cheapest car insurance in Smyrna 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 Smyrna offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
Georgia (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
$205
per month
Sean (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationSmyrna, GA (Zip Code: 30082)
$109
per month
Margaret (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
carKIA Seltos S
$144
per month
Arthur (78 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSmyrna, GA (Zip Code: 30080)
$113
per month

Cheap car insurance quotes in Smyrna 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 Smyrna.
May (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationSmyrna, GA (Zip Code: 30080)
$198
per month
Nelle (45 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
$222
per month
Eunice (36 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
carChrysler Town & Country Touring
$210
per month
Mary (33 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30080)
$492
per month
Chad (35 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSmyrna, GA (Zip Code: 30082)
$196
per month

Cheap car insurance quotes in Smyrna 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, Smyrna 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
Progressive
$171
Sam, 33
Zip: 30082
Jeep Compass Sport
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$262
Lela, 30
Zip: 30080
Chevrolet Camaro LZ
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Travelers
$244
Kyle, 33
Zip: 30080
Mercedes-Benz C 300
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
National General
$216
Wayne, 31
Zip: 30080
Dodge Avenger R/T
• State Minimum Liability
< 550
Mercury
$199
Tommy, 47
Zip: 30080
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 27, 2023

How to lower car insurance costs in Smyrna

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

People living in Smyrna pay on average $127 per month – or $1,525 per year – on state-minimum liability coverage. Full coverage in Smyrna costs on average $258 per month or $3,099 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.
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 Smyrna 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. 
Based on thousands of Smyrna drivers Jerry has worked with, car insurance in Smyrna costs an average of $127 per month for state-minimum coverage and $258 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!  
The state-minimum car insurance in Smyrna, 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
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
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.