10 Cheapest Cities for Car Insurance in Georgia

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by Quiana Darden Updated April 29th, 2022
Georgia welcome sign

Whether you’re planning to move to Georgia or hope to move to a different city within the Peach State, you’ll find that where you live can affect your car insurance rates. If you want to score the most affordable insurance in the area, you might want to look at these 10 cheapest cities for car insurance in Georgia. Making the right decision could pay off big time.

Cordele 

With a population of just 10,752, Cordele is a small city, so there’s a reduced chance of accidents. The median household income is just $21,350, and the 2019 poverty rate was 50.7%, meaning most households cannot afford expensive or luxury vehicles. Most drivers probably less expensive vehicles, which are more affordable for insurance companies to repair or replace, and therefore come with cheaper premiums.

Additionally, the average commute time in Cordele is 19.8 minutes, which is shorter than the national average commute time of 25.5 minutes. With drivers spending less time on the road, they’re at a reduced risk of getting into an accident, so car insurance companies are able to offer them lower rates. 

Monthly Auto Insurance Premium: $66

Tifton

Just like Cordele, Tifton is a very city with a 2019 population of 16,644. Tifton has a 35% poverty rate and a median household income of $38,317, so most drivers probably drive lower-cost vehicles. Tifton is home to the Abraham Baldwin Agricultural College, so some residents may receive lower car insurance rates because they’ve earned college degrees.

Tifton residents have an unusually short commute time of 16.8 minutes, compared to the national average of 25.5 minutes. This shorter commute can significantly decrease the amount of time that drivers spend on the road, which reduces their risk of getting into an accident. 

Monthly Auto Insurance Premium: $67

Americus

With a 2019 population of just 15,503, Americus is small, so the risk of getting in a car accident risk is lower compared to a large city of 100,000 people or more. The 2019 median household income was $33,347, which indicates most people aren’t driving expensive or luxury vehicles that cost a lot to repair or replace. The short average commute time of 18.8 minutes also reduces the chance of drivers being in an accident. 

Georgia Southwestern State University is in Americus, and it awarded 733 degrees in 2019. Assuming those attending Americus had a car or remained in the area upon graduation, they likely took advantage of auto insurance discounts.

Monthly Auto Insurance Premium: $69

Toccoa

In 2019, Toccoa’s population was just 8,308, which minimizes the risk of car accidents. It also had a lower poverty rate of 18.8%, which often relates to how much crime might be in the area. A lower poverty level could mean a reduced chance of vehicles being stolen or vandalized. 

The city’s median age was 42.8, so most drivers are beyond their teenage years when rates are higher, but not yet at retirement age when premiums see a spike again. Commute times were an average of 21.1 minutes, which is shorter than the 25.5-minute national average. This shorter commute reduces the time drivers spend on the road daily, and reduces their chance of being in an accident, too. 

Monthly Auto Insurance Premium: $70

Valdosta

In 2019, Valdosta had a median household income of $41,647. This income suggests drivers are probably buying used vehicles or cheaper new vehicles, which are more affordable for insurance companies to repair or replace. These more affordable vehicles cost less to insure, as a result. 

Valdosta is also home of Valdosta State University and Wiregrass Georgia Technical College, which awarded 4,614 degrees in 2019. Car insurance companies often consider drivers who have higher education degrees to be lower-risk, and these drivers receive lower car insurance rates as a result.

Monthly Auto Insurance Premium: $71

LaFayette

LaFayette’s 2019 population of just 7,237 probably earned residents lower insurance rates. With so few people in the city, there’s a lesser chance drivers will be involved in an accident. The median household income was $30,615, and the median property value was $93,500, meaning most residents probably don’t have extra funds to spend on expensive vehicles. With most residents likely driving more affordable cars that are cheaper to repair or replace, the cost of insuring those vehicles is also lower.

The average commute time was shorter than normal, coming in at just 21.6 minutes. With a shorter commute and fewer people on the road, car insurance companies can charge lower premiums because of that reduced risk. 

Monthly Auto Insurance Premium: $72

Jesup

Jesup’s 2019 population was just 9,753, leading to reduced traffic on the streets.  

Additionally, Jessup median household income was $39,933, and median property values were $99,700. Those lower rates mean that most households probably weren’t buying expensive or luxury vehicles, which are more expensive for car insurance companies to repair or replace after an accident. Insuring lower-cost vehicles is more affordable, reducing the average cost of car insurance in the city.

Monthly Auto Insurance Premium: $72

Hartwell

Hartwell’s 2019 population was just 4,356, making it one of the smallest cities on our list. The median household income was $29,593, while the median property value was $89,700, which suggests that few houses invested in particularly expensive vehicles. When you consider the lower vehicle price and the reduced chance of accidents because of the smaller population, it’s easy to understand why car insurance rates are low.

The median age is a contributing factor, too. With a median age of 39.1, most Hartwell drivers aren’t in their teen or senior years, so they’ll naturally pay less for car insurance than those higher-risk groups.

Monthly Auto Insurance Premium: $72

Brunswick

Brunswick’s 2019 population was 16,122, and the median household income was $28,032. The low household income means most people probably didn’t have disposable income to spend on expensive cars. It costs less to insure lower-value vehicles, which automatically means Brunswick residents pay less for car insurance. 

Residents who earn higher education degrees may also receive lower rates, since many car insurance companies view them as being lower-risk. The College of Coastal Georgia in Brunswick awarded 576 degrees in 2019, some of which likely went to city residents. 

Monthly Auto Insurance Premium: $72

Cleveland

Cleveland’s 2019 population was 3,920, making it the smallest city on this list – and reducing the chance of car accidents because there are fewer drivers on the road. The median household income was $39,431, indicating that most drivers probably purchased more economically priced cars that are less expensive to insure. 

The average Cleveland commute time is just 17.5 minutes, which is significantly shorter than the national average of 25.5 minutes. With drivers spending less time on the road, there’s less risk of insurance companies having to repair or replace those vehicles. These factors all amount to a reduced insurance rate.

Monthly Auto Insurance Premium: $73

Georgia CityAverage Monthly Car Insurance Premium
Cordele$66
Tifton$67
Americus $69
Toccoa$70
Valdosta$71
LaFayette$72
Jesup$72
Hartwell$72
Brunswick$72
Cleveland$73

While these insurance premiums give you an idea of what you might expect to pay in these more affordable cities, if you want to know how much you’d pay, the best thing to do is get a quote.

Our auto insurance comparison tool will compare the rates of 65+ auto insurance companies in minutes.

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More Expensive Cities for Car Insurance in Georgia

decatur georgia courthouse

If you want to get cheap car insurance rates, you might want to avoid certain cities in Georgia. These cities have the highest car insurance premiums. 

Decatur

Decatur’s higher car insurance rates are probably because more drivers have high-end or luxury vehicles. In 2019, Decatur’s median household income was $106,088, and the median property value was $521,900. It’s likely that more drivers can afford expensive vehicles, but those vehicles are also more expensive for car insurance companies to repair or replace. As a result, the companies charge higher premiums to make up for that risk. 

Monthly Auto Insurance Premium: $132

Dacula

Dacula’s 2019 median household income was $80,192, and the median property value was $174,700. These higher numbers mean many drivers probably buy more expensive vehicles which cost more to insure. 

The city also has an average commute time of 30.6 minutes, which is significantly longer than the national average commute of 25.5 minutes. With more drivers spending more time on the road, the risk of car accidents increases, so premiums increase, too. 

Monthly Auto Insurance Premium: $128

Clarkston

Clarkston has a 2019 median age of just 27.8, which means that many drivers are still in or near their teenage years, when car insurance rates are significantly higher due to their lack of driving experience. The average commute time is also 34.1 minutes, which is significantly more than the national average of 25.5 minutes. This increased commute time means that drivers spend more time on the road, so they also face an increased risk of getting into a car accident. These factors lead to higher insurance costs.

Monthly Auto Insurance Premium: $128

Grayson

Grayson’s 2019 median household income was $111,528, and the median property value was $311,700. These higher averages mean more drivers probably invest in expensive vehicles, which cost more to insure because of their greater value. 

Additionally, Grayson’s average commute time is 38 minutes, which is much longer than the 25.5-minute national average commute time. With drivers spending more time on the road in these more expensive vehicles, it’s easy to understand why car insurance rates are higher. 

Monthly Auto Insurance Premium: $127

Tucker

Tucker’s 2019 median household income was $70,522, and the median property value was $256,200. These higher numbers mean drivers likely have the disposable income to buy more expensive vehicles. Insuring those expensive vehicles costs more than typical because of the cost of repairing or replacing them.

Tucker also has an average commute time of 29.4 minutes, which is almost five minutes longer than the national average. The longer commute increases the chance of accidents, so car insurance companies charge higher premiums to account for that higher risk. 

Monthly Auto Insurance Premium: $122

Georgia CityAverage Monthly Car Insurance Premium
Decatur$132
Dacula$128
Clarkson$128
Grayson$127
Tucker$122

If you live in one of these 5 cities, you can expect to pay more for your auto insurance than other areas, so it’s crucial that you search for the best rate. We help drivers who use our auto insurance comparison tool save an average of $720/year on their premium. Will you be next?

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