+120 more*These quotes are from Compare.com users in and around Locust Grove, Georgia within the last 10 days. Updated on July 1, 2026
*These quotes are from Compare.com users in and around Locust Grove, Georgia within the last 10 days. Updated on July 1, 2026
How does Locust Grove compare to the surrounding area and the rest of Georgia? What rates should residents of Locust Grove expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Locust Grove | $119 |
| GA | $105 |
| United States | $80 |
You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Locust Grove than it is in the rest of Georgia.
Drivers relocating the Locust Grove should take note of the differences in average rates. It's about $39 more expensive than the national average to insure your vehicle in Locust Grove.
While these are the average car insurance rates for Locust Grove, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Locust Grove so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
We’ve broken down the cheapest car insurance companies in Locust Grove, Georgia, in the table below.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $95 |
| State Farm | $102 |
| Country Financial | $103 |
| Allstate | $112 |
| Mile Auto | $118 |
| USAA | $119 |
| Progressive | $128 |
| Foremost | $150 |
| Mercury | $164 |
| Root | $187 |
| Bristol West | $191 |
| GEICO | $192 |
| Clearcover | $195 |
| GAINSCO | $203 |
| Direct Auto | $204 |
| The General | $211 |
| AssuranceAmerica | $218 |
| Safeco | $226 |
| National General | $231 |
| Trexis One | $232 |
| Mendota | $242 |
| First Acceptance | $251 |
| Insurify Car | $252 |
| Excepsure | $257 |
| Trexis | $257 |
| Hugo | $346 |
| Liberty Mutual | $405 |
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $179 |
| 25-34 | $117 |
| 35-44 | $95 |
| 45-54 | $89 |
| 55-64 | $84 |
| 65+ | $86 |
It makes sense that older drivers would have more experience behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $93 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may begin to go back up in Locust Grove.
Gender | Average |
|---|---|
| Male | $124 |
| Female | $116 |
In general, female drivers pay less for car insurance than their male counterparts. This is true in Locust Grove, where male drivers pay about $8 more a month. As illustrated in the table above, male drivers in the area pay about $124 on average, while female drivers pay around $116 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $150 |
| Multiple Accidents | $220 |
| 1 Ticket | $136 |
| Multiple Tickets | $161 |
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay a lot less than those with infractions. In Locust Grove, a driving record with one accident will usually get you a rate around $150 a month. Similarly, drivers with one ticket will typically pay around $136 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Category | Price |
|---|---|
| Car | $127 |
| SUV | $97 |
| Truck/Van | $105 |
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $142 |
| 2-3 Years | $105 |
| 4-5 Years | $128 |
| 6-7 Years | $136 |
| 8-10 Years | $122 |
| 11-14 Years | $133 |
| 15 Years or Older | $105 |
In terms of affordable coverage, the cheapest vehicles to insure in Locust Grove are usually SUVs, at $97 per month.
Car owners, on the other hand, by and large pay around $127 per month, while truck and van drivers can expect to pay about $105 a month to insure their vehicle.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Locust Grove, vehicles less than one year old are the most expensive to insure.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $133 |
| Married | $83 |
| Divorced | $82 |
| Widowed | $107 |
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Locust Grove follows that pattern, with the difference totaling to around $50 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $103 |
| Rent | $127 |
| Live with parents | $142 |
Another factor taken into consideration is your housing status. In Locust Grove, homeowners can expect to pay around $24 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Category | Price |
|---|---|
| 2017 | $110 |
| 2018 | $103 |
| 2019 | $116 |
| 2020 | $144 |
| 2021 | $157 |
| 2022 | $105 |
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Locust Grove, the rates for car insurance dropped from 2017-2018, when they reached a low of $103. This shifted in 2019, when insurance rates began to increase. They hit a high of $157 in 2021, and finished at $105 in 2022.
Category | Price |
|---|---|
| ATLANTA | $113 |
| DECATUR | $123 |
| LAWRENCEVILLE | $109 |
| STONE MOUNTAIN | $123 |
| MARIETTA | $105 |
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:
Amount of drivers
Community regulations
Regional crime rates
Road safety
Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Locust Grove.
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Locust Grove or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.