120+ more

Cheapest recent rates near Valdosta, Georgia

Drivers in and around Valdosta, Georgia have found policies from Bristol West, GAINSCO, Trexis One, and more, through Insurify in the last few days.

Liability Only

• Quoted June 10, 2026

Mile Auto helped a Nissan Altima driver in Chatsworth, Georgia, save on car insurance with this quote.

$61/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Jackson, Georgia, cover their Mercedes Benz S-Class with this quote from Mercury.

$75/mo*Find similar

• Updated June 7, 2026

Allstate's average rate for drivers with good credit and a clean driving record.

$85/mo*Find similar

• Quoted June 10, 2026

Root helped a GMC Acadia driver in Summerville, Georgia, save on car insurance with this quote.

$96/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Carlton, Georgia, cover their Honda Accord with this quote from Trexis One.

$125/mo*Find similar

• Quoted June 10, 2026

A Duluth, Georgia, driver just saved on coverage for their Toyota Highlander with this quote from Kemper Economy.

$118/mo*Find similar

• Quoted June 10, 2026

Bristol West helped a Hyundai Elantra driver in Athens, Georgia, save on car insurance with this quote.

$93/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Summerville, Georgia, cover their GMC Acadia with this quote from GAINSCO.

$103/mo*Find similar

• Quoted June 10, 2026

A Buford, Georgia, driver just saved on coverage for their Chevrolet HHR with this quote from Clearcover.

$102/mo*Find similar

*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

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Full Coverage

• Quoted June 10, 2026

A Macon, Georgia, driver just saved on coverage for their Nissan Maxima with this quote from Liberty Mutual.

$210/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in East Dublin, Georgia, cover their Toyota Tacoma with this quote from Mile Auto.

$92/mo*Find similar

• Updated June 7, 2026

Allstate's average rate for drivers with good credit and a clean driving record.

$153/mo*Find similar

• Quoted June 10, 2026

A Fayetteville, Georgia, driver just saved on coverage for their Toyota Corolla with this quote from National General.

$198/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Columbus, Georgia, cover their Hyundai Veloster with this quote from GAINSCO.

$206/mo*Find similar

• Quoted June 10, 2026

Direct Auto helped a Honda Accord driver in Warm Springs, Georgia, save on car insurance with this quote.

$176/mo*Find similar

• Quoted June 10, 2026

A Warm Springs, Georgia, driver just saved on coverage for their Honda Accord with this quote from The General.

$204/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Warner Robins, Georgia, cover their Nissan Versa with this quote from Clearcover.

$165/mo*Find similar

• Quoted June 10, 2026

Bristol West helped a BMW X3 driver in Lawrenceville, Georgia, save on car insurance with this quote.

$160/mo*Find similar

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Written byDaria Kelly Uhlig

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Daria Kelly UhligHome Insurance Writer, Realtor

• Licensed Realtor with 10+ years in personal finance content

• Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

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Edited byKatie Powers

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Katie PowersLicensed P&C Agent, Senior Insurance Editor

• Licensed auto and home insurance agent

• 4+ years experience in insurance and personal finance editing

• NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Reviewed byDavid Marlett

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David MarlettAdvisor

David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.

David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.

He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.

David has been reviewing articles for Insurify since March 2025.

UpdatedJune 14, 2026

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Advertiser Disclosure

Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Drivers in Valdosta, Georgia, can find the best auto insurance rates with Hugo, Auto-Owners, State Farm, and COUNTRY Financial. On average, car insurance in Valdosta costs $148 per month overall. This is much lower than the overall average in Georgia of $208 and slightly lower than the national overall average of $142. It’s possible that the relatively small population of the city (around 55,000) contributes to these lower rates. Fewer people means fewer accidents on the road.

Insurance companies determine your auto premium based on the coverage amount and type you choose, as well as your driving record, age, marital status, vehicle type, and more. You have a number of quality options available in Valdosta, and you can find the one for you by comparing car insurance quotes.

Quick Facts

• Auto-Owners, State Farm, and Country Financial have the cheapest rates in Valdosta.

• Valdosta drivers pay an average of $111 per month for liability coverage and $185 for full coverage.[1]

• Around 12.4% of drivers in Georgia — or roughly 1 in 8 — are uninsured.[2]

3 of the cheapest car insurance companies in Valdosta

The cheapest car insurance option for another driver may not offer the best rates for you. Premiums can vary widely from one person to the next because of unique driver situations and coverage needs. It’s important to tailor your search to your age, driving record, and other factors that affect premiums.

Valdosta residents have plenty of different companies to choose from for a liability or full-coverage policy. The following insurers offer quality coverage at an affordable price.

Disclaimer: Table data is based on real-time Valdosta quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

• Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best for senior drivers: Auto-Owners

Senior drivers](/content/car-insurance/companies/auto-owners/user-reviews-and-ratings/1/index.html)

Compare Quotes

| User Reviews | 4.3
343 reviews | | IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |

Details

Driver Reviews

4.3

Best choice in Valdosta, GABased on 343 verified driver reviews and ratings

Created with Highcharts 12.5.04.03.53.64.03.53.23.62.93.12.9Auto-Owners's scoreIndustry average0.01.22.43.64.8Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best in Valdosta for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews See all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

650

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Founded in Michigan in 1926, Auto-Owners is one of America’s largest property and casualty insurance companies by market share.[3] The company serves nearly 3 million customers who purchase policies through local agents. Auto-Owners earned an AM Best financial strength rating of A++ (Superior).

Pros

• Policies sold through local agents

• Mutual insurance company owned by policyholders

Cons

• Rideshare insurance not available

• Customers must file claims over the phone

Best for drivers with an incident: State Farm

Drivers with an incident](/content/car-insurance/companies/state-farm/user-reviews-and-ratings/1/index.html)

Compare Quotes

| User Reviews | 4.1
18,712 reviews | | IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |

Details

Driver Reviews

4.1

Best choice in Valdosta, GABased on 18,712 verified driver reviews and ratings

Created with Highcharts 12.5.04.14.33.93.93.73.23.62.93.12.9State Farm's scoreIndustry average0.01.22.43.64.8Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Valdosta for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Georgia reviews for Valdosta drivers See all 7,644 State Farm reviews

Mary

Verified Review

I appreciate it when they say they emailed me my insurance cards, and when I tell them nothing could be opened, they immediately call me to see what the problem was. Thanks!

Reviewed in Georgia on June 12, 2026

Douglas

Verified Review

Unpredictable

Reviewed in Georgia on May 25, 2026

I've been with State Farm for a long time. They have added a bunch of rules, and you don't know what your payment is from month to month. They've made aggressive changes.

Christina

Verified Review

Approve of my Agent and Staff

Reviewed in Georgia on May 19, 2026

Easily available and they answer questions well.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A++

Why we picked this company

The largest insurance company in the U.S. by market share, State Farm sells a number of insurance products, including auto, renters, homeowners, and life insurance. The company earned an AM Best financial strength rating of A++ (Superior).

Pros

• Mutual insurance company owned by policyholders

• Savings of up to 23% possible via bundling discounts

Cons

• Gap insurance not available

• Some negative Better Business Bureau (BBB) customer reviews

Best for teen drivers: COUNTRY Financial

Teen drivers](/content/car-insurance/companies/country-financial/index.html)

Compare Quotes

| User Reviews | 4.0
67 reviews | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |

Details

Driver Reviews

4.0

Best choice in Valdosta, GABased on 67 verified driver reviews and ratings

Created with Highcharts 12.5.03.93.43.53.83.23.23.62.93.12.9Country Financial's scoreIndustry average0.01.22.43.64.8Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

Best in Valdosta for

Cheap rates

Good claims process

High customer satisfaction

Showing recent national reviews See all 35 Country Financial reviews

Luke

Verified Review

Country Financial

Reviewed in Colorado on February 23, 2026

For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.

Tracy

Verified Review

Insurance Experience

Reviewed in Nevada on October 28, 2025

It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.

Teresa

Verified Review

Getting too pricey

Reviewed in Illinois on October 25, 2025

The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.44

A+

Why we picked this company

Originally founded by farmers, COUNTRY Financial has been in business for more than 95 years. Though a fairly small company, COUNTRY Financial has agents serving customers throughout 19 states, including 50 agents in Valdosta. The company earned an AM Best financial strength rating of A+ (Superior).

Pros

• Full-service financial services company

• Limited number of available discounts

Cons

• Rideshare insurance not available

• Customer service unavailable on Sundays (except for claims)

How to get the cheapest car insurance in Valdosta

Before you start shopping for the best price for car insurance, you should evaluate your specific coverage needs. For example, liability and full-coverage insurance differ in coverage level and price significantly, so you should only pay for what you need.

Next, shop around to find the cheapest coverage. Drivers earn different rates in Valdosta depending on their driver profile, but finding low rates from an insurance company can save you a lot of money on annual premiums.

You can also earn cheaper rates through the following ways:[4]

• Select a higher deductible.

• Bundle policies with the same insurer.

• Improve your credit to improve your insurance score.

• Use discounts available through your employer, professional organization, or other group.

• Research discounts you may qualify for, such as a safe driver discount.

Cheapest liability-only car insurance in Valdosta: Auto-Owners

Liability insurance only covers costs related to any damage and injury you cause other drivers and their passengers.[5] Liability-only policies in Valdosta cost $111 per month, on average. Here’s how much you can expect to pay for liability coverage in Valdosta.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Disclaimer: Table data sourced from real-time Valdosta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Valdosta may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Valdosta: Auto-Owners

Full-coverage insurance includes liability, collision, and comprehensive coverage. Collison insurance covers your vehicle damage following a collision with another vehicle or object, regardless of fault. Comprehensive coverage pays for damages from a non-collision incident, like severe weather, vandalism, or fire. Drivers in Valdosta pay an average of $185 per month for full-coverage insurance.

Here’s what you can expect to pay for full coverage in Valdosta.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Recent Insurify quotes for Valdosta, Georgia drivers

Recent Valdosta, Georgia car insurance prices for Honda, Toyota, BMW, and more.

Liability Only

• Quoted June 10, 2026

AssuranceAmerica helped a Hyundai Elantra driver in Athens, Georgia, save on car insurance with this quote.

$105/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Carlton, Georgia, cover their Honda Accord with this quote from National General.

$117/mo*Find similar

• Quoted June 10, 2026

A Warner Robins, Georgia, driver just saved on coverage for their Mitsubishi Eclipse with this quote from The General.

$108/mo*Find similar

• Quoted June 10, 2026

Insurify Car helped a KIA K4 driver in Albany, Georgia, save on car insurance with this quote.

$28/week*Find similar

• Quoted June 10, 2026

We just helped a driver in Blakely, Georgia, cover their Hyundai Sonata with this quote from Direct Auto.

$110/mo*Find similar

• Updated June 7, 2026

State Farm's average rate for drivers with good credit and a clean driving record.

$78/mo*Find similar

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Full Coverage

• Quoted June 10, 2026

A Claxton, Georgia, driver just saved on coverage for their Toyota Camry with this quote from Kemper Economy.

$154/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Columbus, Georgia, cover their BMW X3 with this quote from Root.

$149/mo*Find similar

• Quoted June 10, 2026

Mercury helped a Audi Q5 E driver in Smyrna, Georgia, save on car insurance with this quote.

$117/mo*Find similar

• Quoted June 10, 2026

A Warm Springs, Georgia, driver just saved on coverage for their Honda Accord with this quote from Trexis One.

$204/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Fayetteville, Georgia, cover their Mercedes Benz GLS-Class with this quote from AssuranceAmerica.

$171/mo*Find similar

• Updated June 7, 2026

State Farm's average rate for drivers with good credit and a clean driving record.

$139/mo*Find similar

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Car insurance requirements in Georgia

Georgia, like most states, has minimum coverage requirements that drivers must adhere to. Specifically, drivers in the state need a minimum of bodily injury and property damage liability.[6]

Because Georgia is an at-fault state, the responsible driver’s liability insurance covers damages resulting from a crash or other incident.[7]

Required liability coverage in Georgia includes the following:

Drivers have the option of adding additional coverage for more protection, such as:

Collision

This covers damage to your car if you have an accident or hit an object.

Comprehensive

If a non-collision incident causes damage to your vehicle, this coverage kicks in.

Uninsured motorist

This protects you if an uninsured driver injures you or causes damage to your vehicle.

Glass coverage

This pays to repair or replace damaged windows, including the windshield, with no deductible.

)

Learn More: Vehicle Inspection Requirements by State

Cheapest car insurance for drivers with an incident

Your risk level determines car insurance rates, so people who are more likely to file a claim may pay more for an auto insurance policy. Insurance companies evaluate risk by looking at many factors, including incidents like at-fault accidents, speeding tickets, driving under the influence, and other moving violations.[8] Any of these incidents can increase rates when your policy renews.

Find Cheap Car Insurance in Valdosta, GA

Monthly rates start at $66 for drivers with an incident

Enter your ZIP codeGet My Quotes

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4.7 out of 5 based on 15,059 reviews

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Tickets show up on your motor vehicle record, which your insurer reviews periodically. Because speeding is a risky driving behavior that puts you at greater risk of having an accident, having a ticket on your record could make you lose any good-driver discounts you may have earned. Two or more tickets within a three-year period will likely increase your rate.

The average cost of car insurance for drivers with a speeding ticket in Valdosta is $232 per month for full coverage and $139 for liability only.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Any accident can increase your insurance rate, but an accident you cause will likely result in a significant increase in insurance prices — unless it causes minimal damage or you have accident forgiveness. A serious or total loss can significantly increase your car insurance bills. Though your insurer won’t penalize you forever, it could take a few years before your insurer stops factoring an accident into your premium.

In Valdosta, the average cost of car insurance for drivers with an accident is $253 per month for full coverage and $152 for liability only.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Due to the severity of the offense, a DUI conviction likely has the greatest effect on your insurance rates of all driving incidents. Even if your insurer doesn’t cancel your coverage, a DUI conviction will most likely significantly increase your auto premium. Valdosta drivers can expect to pay an average of $225 per month for full coverage and $135 for liability after a DUI conviction.

After a DUI in Georgia, you need to file an SR-22 form for at least three years. And your DUI won’t drop off your record for 10 years.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

)

Check Out: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: Auto-Owners

Though senior drivers typically have lots of experience behind the wheel, aging can cause physical changes that make driving less safe — including effects on vision and memory. And drivers older than 70 have higher crash death rates than middle-aged drivers.[9]That increased risk results in seniors paying slightly more for their insurance, on average.

The average cost of car insurance for senior drivers in Valdosta is $166 per month for full coverage and $99 for liability only.

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for teens: Auto-Owners

Teenagers face the highest car insurance rates due to a lack of experience driving, a greater likelihood of risky behavior, and high crash rates. Teen drivers in Valdosta pay an average of $321 per month for full coverage and $192 for liability only.

But if you’re a teen driver, you can save on your premiums in a few different ways, including:

• Staying on your parents’ policy instead of getting your own

• Driving an inexpensive car

• Qualifying for a good-student discount

The below rates in Valdosta, GA, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Find Cheap Car Insurance in Valdosta, GA

Check quotes from 120+ top insurance companies

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 15,059 reviews

Secure. Free. Easy-to-use.

Valdosta car insurance quotes by credit tier

Insurance companies factor credit into insurance rates because people with poor credit have been shown to file more claims than drivers with good or excellent credit. Insurers use your credit history to calculate an insurance score, which helps predict insurance losses.

Each insurance company uses its own method in the insurance score calculation. As you can see from the chart below, your credit can affect your insurance rates.

The averages by credit tier are for full-coverage insurance in Valdosta.

Rates by Credit Tier

Created with Highcharts 12.5.0$184$217$239$370ExcellentGoodFairPoor$0$100$200$300$400Credit tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Valdosta?

Car insurance costs much less in Valdosta than the state average. Statewide, Georgians pay $208 per month for car insurance, but Valdosta drivers pay $148 per month. On average, drivers in the city pay $111 per month for liability and $185 for full-coverage car insurance.

The city and ZIP code you live in can influence your insurance rates. Drivers in urban neighborhoods, for example, typically pay more because of more accidents and higher crime rates. Valdosta has a relatively small population compared to larger Georgia cities, like Atlanta. The number of weather-related claims in a particular area can also affect rates.

More cities in Georgia

Valdosta drivers earn some of the lowest rates in Georgia — at least compared to several of the most populated cities. On average, Valdosta drivers pay $185 per month for full-coverage insurance. See how that compares to the cities below.

)

Keep Reading: Rideshare Insurance in Georgia

Valdosta car insurance FAQs

If you still have questions about finding car insurance in Valdosta, the information below should help you navigate the decision-making process.

• On average, Valdosta drivers pay $148 per month for car insurance. Drivers pay $111 for liability and $185 for full-coverage insurance. The statewide average for car insurance is $208 per month ($157 for liability and $260 for full coverage). Your specific rate will depend on your driving record, credit history, age, and more.

• Auto-Owners has the cheapest car insurance in Valdosta, with a monthly liability-only rate of $52. Other affordable insurers include State Farm and Country Financial, with liability rates of $56 and $56 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your location, age, gender, driving history, and vehicle.

• State Farm is the best car insurance company in Valdosta, due to its IQ Score of 9.3, an AM Best financial strength rating of A++ (Superior), and affordable coverage options. Other top insurers include Auto-Owners and Allstate — with IQ Scores of 8.2 and 8.9, respectively.

• No. Georgia is an at-fault state. This means drivers who cause an accident must cover the costs of the damage and injuries they cause — typically through their auto insurer.

• Georgia drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You may decide you want additional coverage to protect you and your vehicle.

Sources

1. Georgia Department of Banking and Finance. "Credit Reporting and Credit Scores."
2. Insurance Information Institute. "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists."
3. National Association of Insurance Commissioners. "Market Share Reports for Property/Casualty Groups and Companies."
4. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
5. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
6. Georgia Office of Commissioner of Insurance and Safety Fire. "Auto Insurance."
7. NOLO. "Georgia Car Insurance Requirements."
8. Insurance Information Institute. "What determines the price of an auto insurance policy?."
9. Centers for Disease Control and Prevention. "Older Adult Drivers."

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.