Car insurance in Douglasville for an adult with a clean driving record and good insurance score costs $1,723 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.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

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 Douglasville by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Douglasville.

Key Highlights
  • Car insurance in Douglasville is more expensive than car insurance in Georgia for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Douglasville is $1,723 per year or $144 per month.
  • In Douglasville, USAA offers the cheapest full coverage car insurance at $102 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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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.

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

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

  • State minimum: $634 per year
  • Liability-only coverage (50/100/50): $789 per year
  • Full coverage (100/300/100): $1,723 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$420$540$1,221
Auto-Owners$387$511$1,331
Nationwide$1,059$971$1,440
Geico$479$699$1,676
Progressive$685$883$1,822
Country Financial$526$812$1,938
State Farm$683$914$1,942
Mercury Insurance$793$965$2,056
Allstate$679$807$2,081

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 Douglasville, GA?

Out of all the carriers available in Douglasville, USAA offers the cheapest full coverage car insurance at $102 per month.

The second-cheapest car insurance company in Douglasville is Auto-Owners, offering car insurance at $111 monthly.

Cheapest CompanyFull Coverage Monthly Rates
USAA$102
Auto-Owners$111
Nationwide$120
Geico$140
Progressive$152
Country Financial$161
State Farm$162
Mercury Insurance$171
Allstate$173

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 Douglasville, 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 Douglasville, GA

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

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$150
Nationwide$166
State Farm$184
Allstate$209
Auto-Owners$217
Geico$236
Progressive$246
Mercury$280

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 Douglasville, GA

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

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$184
USAA$208
Auto-Owners$217
Allstate$237
Mercury$244
Nationwide$251
Progressive$262
Geico$513

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

Companies with the cheapest insurance by driver profile in Douglasville, 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 Douglasville, GA, by age

Age is a key factor when considering car insurance rates in most cities, including Douglasville – 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$810
16Auto-Owners$392
16Geico$845
16Country Financial$431
16Mercury Insurance$1,451
16Nationwide$594
16Progressive$962
16State Farm$654
16USAA$447
17Allstate$703
17Auto-Owners$383
17Geico$569
17Country Financial$387
17Mercury Insurance$1,186
17Nationwide$569
17Progressive$1,064
17State Farm$574
17USAA$320
18Allstate$583
18Auto-Owners$345
18Geico$405
18Country Financial$349
18Mercury Insurance$1,059
18Nationwide$533
18Progressive$887
18State Farm$504
18USAA$271
19Allstate$364
19Auto-Owners$316
19Geico$330
19Country Financial$403
19Mercury Insurance$697
19Nationwide$413
19Progressive$483
19State Farm$443
19USAA$245
20Allstate$344
20Auto-Owners$281
20Geico$291
20Country Financial$295
20Mercury Insurance$577
20Nationwide$359
20Progressive$411
20State Farm$388
20USAA$228
21Allstate$278
21Auto-Owners$241
21Geico$266
21Country Financial$274
21Mercury Insurance$522
21Nationwide$222
21Progressive$287
21State Farm$328
21USAA$170
22Allstate$249
22Auto-Owners$215
22Geico$258
22Country Financial$256
22Mercury Insurance$436
22Nationwide$204
22Progressive$253
22State Farm$292
22USAA$161
23Allstate$230
23Auto-Owners$198
23Geico$250
23Country Financial$241
23Mercury Insurance$327
23Nationwide$190
23Progressive$226
23State Farm$258
23USAA$148
24Allstate$209
24Auto-Owners$187
24Geico$239
24Country Financial$227
24Mercury Insurance$279
24Nationwide$179
24Progressive$205
24State Farm$236
24USAA$142
25Allstate$194
25Auto-Owners$157
25Geico$202
25Country Financial$238
25Mercury Insurance$244
25Nationwide$154
25Progressive$180
25State Farm$205
25USAA$127
30Allstate$174
30Auto-Owners$109
30Geico$145
30Country Financial$189
30Mercury Insurance$210
30Nationwide$133
30Progressive$163
30State Farm$165
30USAA$110
35Allstate$173
35Auto-Owners$107
35Geico$145
35Country Financial$174
35Mercury Insurance$187
35Nationwide$125
35Progressive$156
35State Farm$162
35USAA$105
40Allstate$173
40Auto-Owners$111
40Geico$140
40Country Financial$161
40Mercury Insurance$171
40Nationwide$120
40Progressive$152
40State Farm$162
40USAA$102
45Allstate$173
45Auto-Owners$109
45Geico$140
45Country Financial$150
45Mercury Insurance$169
45Nationwide$117
45Progressive$149
45State Farm$161
45USAA$99
50Allstate$172
50Auto-Owners$107
50Geico$125
50Country Financial$144
50Mercury Insurance$163
50Nationwide$113
50Progressive$134
50State Farm$159
50USAA$95
55Allstate$171
55Auto-Owners$107
55Geico$125
55Country Financial$139
55Mercury Insurance$161
55Nationwide$111
55Progressive$129
55State Farm$154
55USAA$93
60Allstate$168
60Auto-Owners$109
60Geico$125
60Country Financial$139
60Mercury Insurance$161
60Nationwide$111
60Progressive$130
60State Farm$151
60USAA$93
65Allstate$178
65Auto-Owners$116
65Geico$128
65Country Financial$143
65Mercury Insurance$182
65Nationwide$114
65Progressive$139
65State Farm$150
65USAA$97
70Allstate$179
70Auto-Owners$128
70Geico$139
70Country Financial$150
70Mercury Insurance$208
70Nationwide$122
70Progressive$159
70State Farm$158
70USAA$112
75Allstate$201
75Auto-Owners$139
75Geico$157
75Country Financial$161
75Mercury Insurance$267
75Nationwide$138
75Progressive$209
75State Farm$172
75USAA$134

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

Cheapest rates for drivers in Douglasville, 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$161
USAA$200
Geico$212
Mercury Insurance$243
Progressive$243
Allstate$268
Auto-Owners$291
State Farm$328

Final thoughts: Car insurance cost in Douglasville, 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 Douglasville, 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 Douglasville, 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

Editorial Director

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

Managing Editor

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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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.