+120 more*These quotes are from Compare.com users in and around Commerce, Georgia within the last 10 days. Updated on June 18, 2026
*These quotes are from Compare.com users in and around Commerce, Georgia within the last 10 days. Updated on June 18, 2026
What rates should residents of Commerce expect to pay for their car insurance? How do rates in Commerce measure up compared to neighboring areas, including Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Commerce | $86 |
| GA | $105 |
| United States | $80 |
According to the chart above, the average cost of auto insurance in Georgia is about $19 a month more expensive than it is in Commerce.
Conversely, Commerce residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $6 more for your policy in Commerce.
These rates may be the average amount residents of Commerce pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've analyzed the average rate for Commerce and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
We’ve broken down the cheapest car insurance companies in Commerce, Georgia, in the table below.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $46 |
| Allstate | $64 |
| Mile Auto | $65 |
| Progressive | $66 |
| GEICO | $73 |
| Auto-Owners | $75 |
| State Farm | $80 |
| Country Financial | $81 |
| USAA | $81 |
| Allstate | $87 |
| Mercury | $89 |
| First Acceptance | $91 |
| Mile Auto | $91 |
| The General | $93 |
| USAA | $93 |
| Alinsco | $96 |
| Lone Star | $97 |
| Commonwealth Casualty | $101 |
| GAINSCO | $101 |
| Nationwide | $102 |
| Clearcover | $104 |
| Bristol West | $105 |
| Covercube | $106 |
| Dairyland | $106 |
| Root | $106 |
| Progressive | $109 |
| Mendota | $110 |
| AssuranceAmerica | $111 |
| Excepsure | $113 |
| Sun Coast | $114 |
| Safeco | $115 |
| Foremost | $116 |
| Direct Auto | $119 |
| National General | $121 |
| Loop | $123 |
| Elephant | $125 |
| Mercury | $127 |
| Chubb | $138 |
| Trexis One | $142 |
| Root | $147 |
| Bristol West | $149 |
| GEICO | $150 |
| Clearcover | $153 |
| GAINSCO | $156 |
| Direct Auto | $158 |
| 21st Century | $160 |
| Hugo | $162 |
| Insurify Car | $162 |
| The General | $166 |
| AssuranceAmerica | $170 |
| Safeco | $177 |
| National General | $179 |
| Trexis One | $180 |
| Mendota | $187 |
| Liberty Mutual | $191 |
| Nationwide | $193 |
| First Acceptance | $195 |
| Insurify Car | $197 |
| Excepsure | $199 |
| Trexis | $200 |
| Foremost | $221 |
| Hugo | $267 |
| Liberty Mutual | $317 |
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $133 |
| 25-34 | $86 |
| 35-44 | $78 |
| 45-54 | Not Enough Data |
| 55-64 | $59 |
| 65+ | $75 |
The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Commerce may see their rates begin to increase again once they hit retirement age.
Gender | Average |
|---|---|
| Male | $89 |
| Female | $84 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Commerce, the difference is around $5 per month. As you can see in the table above, female drivers in the area typically pay $84 on average, while female drivers typically pay $89 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $100 |
| Multiple Accidents | $174 |
| 1 Ticket | $111 |
| Multiple Tickets | $123 |
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Commerce, having a single accident on your record will usually get you rates around $100 a month. In addition, drivers with one ticket can expect to pay around $111 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Category | Price |
|---|---|
| Car | $87 |
| SUV | $86 |
| Truck/Van | $79 |
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $142 |
| 2-3 Years | $119 |
| 4-5 Years | $87 |
| 6-7 Years | $84 |
| 8-10 Years | $96 |
| 11-14 Years | $85 |
| 15 Years or Older | $82 |
According to the first table above, the cheapest vehicles to insure in Commerce are usually trucks and vans, at $79 per month.
SUV drivers will see rates of about $86, while the rates for car owners average out to about $87 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Commerce are vehicles less than one year old.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $91 |
| Married | $73 |
| Divorced | $75 |
| Widowed | $58 |
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Commerce as well, where the difference is around $18 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $75 |
| Rent | $88 |
| Live with parents | $112 |
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $13 a month more than homeowners in Commerce. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Category | Price |
|---|---|
| 2017 | $86 |
| 2018 | $85 |
| 2019 | $92 |
| 2020 | $102 |
| 2021 | $94 |
| 2022 | $64 |
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Policy premiums in Commerce have been mixed recently. They declined in 2017, rose in 2019, and decreased again in 2021, before finishing at $64 in 2022.
Category | Price |
|---|---|
| ATLANTA | $113 |
| DECATUR | $123 |
| LAWRENCEVILLE | $109 |
| STONE MOUNTAIN | $123 |
| MARIETTA | $105 |
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
Access to off-street parking
Community regulations
Road Safety (how many accidents each locality has)
Area crime rates
Total amount of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Commerce.
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Commerce or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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