Car insurance in Austell for an adult with a clean driving record and good insurance score costs $1,811 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Austell by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Austell.

Key Highlights
  • Car insurance in Austell is more expensive than car insurance in Georgia for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Austell is $1,811 per year or $151 per month.
  • In Austell, USAA offers the cheapest full coverage car insurance at $113 per month.

What is the average cost of car insurance in Austell, GA?

The average auto insurance rates in Austell, GA at various coverage levels are listed below:

  • State minimum: $701 per year
  • Liability-only coverage (50/100/50): $870 per year
  • Full coverage (100/300/100): $1,811 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
USAA$467$609$1,361
Auto-Owners$411$538$1,382
Nationwide$1,167$1,040$1,514
Country Financial$564$856$1,705
State Farm$697$894$1,858
Geico$559$844$1,897
Progressive$779$1,022$2,078
Allstate$699$833$2,093
Mercury Insurance$971$1,196$2,414

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Austell, GA?

Out of all the carriers available in Austell, USAA offers the cheapest full coverage car insurance at $113 per month.

The second-cheapest car insurance company in Austell is Auto-Owners, offering car insurance at $115 monthly.

Cheapest CompanyFull Coverage Monthly Rates
USAA$113
Auto-Owners$115
Nationwide$126
Country Financial$142
State Farm$155
Geico$158
Progressive$173
Allstate$174
Mercury Insurance$201

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Austell, GA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Georgia is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Austell, GA

See the average annual premium for drivers with two speeding tickets on their records in Austell, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$168
State Farm$172
Nationwide$175
Allstate$210
Auto-Owners$225
Geico$238
Progressive$268
Mercury$325

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Austell, GA

See the average annual premium for a driver convicted of DUI in Austell, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$172
Auto-Owners$225
USAA$233
Allstate$239
Nationwide$267
Mercury$283
Progressive$287
Geico$518

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Austell, GA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Austell, GA, by age

Age is a key factor when considering car insurance rates in most cities, including Austell – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$842
16Auto-Owners$413
16Geico$1,061
16Country Financial$380
16Mercury Insurance$1,750
16Nationwide$636
16Progressive$1,097
16State Farm$649
16USAA$503
17Allstate$729
17Auto-Owners$404
17Geico$661
17Country Financial$339
17Mercury Insurance$1,434
17Nationwide$609
17Progressive$1,215
17State Farm$569
17USAA$359
18Allstate$599
18Auto-Owners$363
18Geico$457
18Country Financial$305
18Mercury Insurance$1,275
18Nationwide$570
18Progressive$1,012
18State Farm$498
18USAA$304
19Allstate$370
19Auto-Owners$332
19Geico$371
19Country Financial$367
19Mercury Insurance$841
19Nationwide$441
19Progressive$551
19State Farm$436
19USAA$274
20Allstate$349
20Auto-Owners$295
20Geico$326
20Country Financial$256
20Mercury Insurance$690
20Nationwide$384
20Progressive$466
20State Farm$381
20USAA$254
21Allstate$281
21Auto-Owners$254
21Geico$299
21Country Financial$237
21Mercury Insurance$624
21Nationwide$236
21Progressive$326
21State Farm$321
21USAA$190
22Allstate$251
22Auto-Owners$226
22Geico$290
22Country Financial$221
22Mercury Insurance$519
22Nationwide$217
22Progressive$288
22State Farm$285
22USAA$179
23Allstate$231
23Auto-Owners$208
23Geico$281
23Country Financial$209
23Mercury Insurance$387
23Nationwide$201
23Progressive$257
23State Farm$251
23USAA$165
24Allstate$210
24Auto-Owners$196
24Geico$270
24Country Financial$196
24Mercury Insurance$330
24Nationwide$190
24Progressive$233
24State Farm$229
24USAA$158
25Allstate$195
25Auto-Owners$164
25Geico$228
25Country Financial$205
25Mercury Insurance$287
25Nationwide$163
25Progressive$204
25State Farm$198
25USAA$142
30Allstate$175
30Auto-Owners$114
30Geico$164
30Country Financial$165
30Mercury Insurance$245
30Nationwide$140
30Progressive$185
30State Farm$157
30USAA$122
35Allstate$174
35Auto-Owners$111
35Geico$164
35Country Financial$152
35Mercury Insurance$219
35Nationwide$131
35Progressive$178
35State Farm$154
35USAA$117
40Allstate$174
40Auto-Owners$115
40Geico$158
40Country Financial$142
40Mercury Insurance$201
40Nationwide$126
40Progressive$173
40State Farm$155
40USAA$113
45Allstate$174
45Auto-Owners$113
45Geico$158
45Country Financial$133
45Mercury Insurance$198
45Nationwide$123
45Progressive$170
45State Farm$154
45USAA$110
50Allstate$174
50Auto-Owners$111
50Geico$143
50Country Financial$127
50Mercury Insurance$192
50Nationwide$119
50Progressive$153
50State Farm$152
50USAA$105
55Allstate$173
55Auto-Owners$111
55Geico$143
55Country Financial$123
55Mercury Insurance$189
55Nationwide$117
55Progressive$146
55State Farm$147
55USAA$104
60Allstate$171
60Auto-Owners$113
60Geico$143
60Country Financial$122
60Mercury Insurance$190
60Nationwide$116
60Progressive$148
60State Farm$144
60USAA$104
65Allstate$181
65Auto-Owners$121
65Geico$145
65Country Financial$125
65Mercury Insurance$217
65Nationwide$120
65Progressive$159
65State Farm$144
65USAA$109
70Allstate$182
70Auto-Owners$134
70Geico$158
70Country Financial$131
70Mercury Insurance$249
70Nationwide$129
70Progressive$181
70State Farm$152
70USAA$126
75Allstate$206
75Auto-Owners$146
75Geico$177
75Country Financial$141
75Mercury Insurance$322
75Nationwide$146
75Progressive$240
75State Farm$166
75USAA$151

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Austell, GA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$170
Geico$214
USAA$225
Progressive$264
Allstate$267
Mercury Insurance$279
Auto-Owners$299
State Farm$309

Final thoughts: Car insurance cost in Austell, GA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Austell, GA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Austell, Georgia.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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