Cheapest Auto Insurance in Dalton, Georgia (2024)

Hugo is the cheapest insurance company in Dalton, with liability-only rates of $40 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 29, 2024

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Cheapest recent rates near Dalton, Georgia

Drivers in and around Dalton, Georgia have found policies from GEICO, Progressive, GAINSCO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Dalton, Georgia within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Dalton, Georgia within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Dalton, Georgia, enjoy plenty of parks, wildlife preserves, and national forests in the surrounding area. But before heading out on a mountain road trip in Georgia, you need car insurance. Fortunately, Dalton drivers have lower average car insurance costs than many other Georgia cities.

The average cost of car insurance in Dalton is $173 per month for full coverage and $105 for liability-only policies. This is less than the Georgia state averages of $241 and $146, respectively.

Dalton's smaller population and comparatively low fatality rate likely contribute to the city's lower-than-average car insurance costs. Here’s what you need to know about cheap car insurance in Dalton, Georgia, and how premiums change based on coverage type, incidents, and age.

Quick Facts
  • Hugo, Auto-Owners, and State Farm are the cheapest insurers in Dalton.

  • Dalton had 6,021 traffic accidents in 2021, but only 11 of those were fatal, according to Georgia Department of Transportation data.[1]

  • Dalton drivers have a relatively short mean commute time of just 17 minutes.[2] Fewer miles on the road can result in lower car insurance rates for drivers.

3 of the cheapest car insurance companies in Dalton

Buying auto insurance can be complicated, and you want to find the right fit for your situation. The most affordable coverage option may not fit your specific needs.

Insurify covers the cheapest car insurance in Dalton for certain categories below. In many cases, Hugo won out in the affordability category. However, the company doesn’t offer full coverage in Georgia, which can leave you more at risk. And if you finance or lease your vehicle, you won't be able to use Hugo.

Always compare options and review benefits. Below are some of the cheapest car insurance companies in Dalton, Georgia, and what they’re a good fit for.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$97$65Full coverage
Hugo3.5$73$56Temporary coverage
State Farm4.6$104$70Teen drivers
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.

Best insurance for full coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$47/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.
$70/mo

If you want the most protection with full coverage, a good option in Dalton is Auto-Owners. Its average quotes for full-coverage and liability policies are among the lowest. Plus, Insurify gives it a high Insurify Quality Score.

Pros
  • Affordable full-coverage policies

  • Offers gap insurance

Cons
  • Lower mobile app rating compared to other insurers

  • Poor ratings on Trustpilot

Read our Auto-Owners review
Xenophon - May 27, 2024
Verified

Very Professional

The service provided was very professional.

James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Best insurance for temporary coverage: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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).
NR
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.
$40/mo

Hugo offers people who don’t drive often affordable, on-demand coverage. You can turn coverage on and off as needed and pay for insurance only when you drive. This innovative insurance model results in lower premiums for people who don’t drive often.

Pros
  • Offers flexible payments options

  • Excellent Trustpilot ratings

Cons
  • No mobile app for account management

  • Slow communication based on customer reviews

Read our Hugo review
David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Marlee - May 11, 2024
Verified

Great

I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.

Best insurance for teens: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$50/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.
$75/mo

If you’re looking for an established, well-known insurance company for your teen driver in Dalton, State Farm is a great choice. It offers the Steer Clear program for drivers younger than 25 and relatively low average quotes for teens compared to other insurers.

Pros
  • Low quotes for liability and full coverage

  • Offers Steer Clear program for young drivers

Cons
  • Poor Trustpilot reviews

  • Can’t buy a policy online

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

How to get the cheapest car insurance in Dalton

Finding affordable car insurance coverage in Dalton will depend on your individual needs, ZIP code, age, driving record, and more.[3] To get the cheapest car insurance in Dalton, follow these tips:

  • Compare your options. Don’t just stop at the first affordable quote you find. Research multiple insurance companies and get several quotes. Reviewing three or more options can give you a better idea of what’s competitive.

  • Research discounts. On top of low quotes, look at available discount options from insurance companies. You may be able to get a safe driving discount, good student discounts, and more.

  • Bundle coverage. If you buy multiple insurance products — like home insurance or renters insurance — from the same company you buy auto insurance from, you can usually score a lower premium.

  • Be a safe driver. What you pay for car insurance is also based on your driving record. To keep costs low, drive within the speed limit, put down your cell phone, and never drive under the influence.

  • Choose the right deductible. Consider your deductible when lowering your car insurance costs. “The deductible is the amount you pay out of pocket before your insurance coverage applies. Choosing a higher deductible can lower your premium, but it is important to strike a balance that aligns with your financial capabilities,” says Grizzle.

Cheapest liability-only car insurance in Dalton: Hugo

Liability insurance is the most basic form of car insurance that meets Georgia state minimums. It helps cover your liability to pay for property damage and bodily injury in an accident you cause. Because it only covers the other party’s vehicle repairs and medical bills, and not yours, it tends to be more affordable than full-coverage options. Liability policies in Dalton cost $105 per month on average.

Below are the companies that offer the lowest average quotes for liability-only policies in Dalton, Georgia:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo40
Auto-Owners47
State Farm50
COUNTRY Financial51
Allstate55
Mile Auto55
USAA59
Progressive67
Safeco70
State Auto72
Mercury80
GEICO81
Clearcover86
National General95
Elephant99
Liberty Mutual99
Direct Auto100
AssuranceAmerica101
GAINSCO110
Midvale Home & Auto112
Nationwide121
Infinity144
The General150
Bristol West168
Foremost179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Full-coverage car insurance in Dalton helps provide more robust protections for a driver. Instead of just covering your liability, full coverage typically also includes collision and comprehensive coverage. Having just liability-only coverage can leave you more at risk, while full coverage is often the safer bet if you want more protection on the road. To get full coverage in Dalton, you can expect to pay an average of $173 per month.

Here are the companies that offer the cheapest average quotes for full-coverage insurance in Dalton, Georgia:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners70
State Farm75
COUNTRY Financial76
Allstate82
USAA87
Mile Auto90
Safeco113
Progressive114
GEICO121
Mercury128
Elephant139
State Auto153
Clearcover158
Midvale Home & Auto168
AssuranceAmerica173
Liberty Mutual176
Nationwide181
Direct Auto188
National General197
Foremost219
GAINSCO224
The General257
Infinity265
Bristol West326
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Other Insurify Customers Pay in and around Dalton, Georgia

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $73/mo for full coverage in Dalton and other Georgia cities.

*Quotes generated for Insurify users in and around Dalton, Georgia within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Dalton, Georgia within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia is an at-fault state, sometimes called a tort state. This means that a driver who causes an accident is responsible for paying for the resulting damages and injuries, typically through their liability insurance.[4] However, even if the damages or medical costs exceed their liability limits, the driver is responsible for the excess costs. Injured parties can sue the at-fault driver for the remaining damages in Georgia as part of its fault-based system.

Georgia requires the following minimum liability limits for drivers:[5]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per incident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per incident

“By meeting these minimum requirements, drivers fulfill their legal obligations and have a basic level of financial protection in case of accidents,” says Tyler Grizzle, partner at GSP Insurance Group. “However, it is important to note that these limits may not be sufficient to cover all potential damages. Drivers should carefully assess their personal circumstances, including their assets and financial situation, and consider higher coverage limits to ensure comprehensive protection.”

Drivers in Dalton should also consider adding the following coverages to an auto policy for more protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This provides coverage for car repairs after accidents you cause, including hitting a stationary object like a fence or mailbox.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This includes coverage for theft, natural disasters, vandalism, and objects falling on your car.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    This provides coverage for you when uninsured drivers or drivers without sufficient coverage damage your car or injure you in an accident.

Cheapest car insurance for drivers with an incident

If you have an incident on your driving record, it’s likely your car insurance premiums in Dalton will go up. Incidents can include moving violations, speeding tickets, at-fault accidents, and driving under the influence (DUI).

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Cheapest car insurance for drivers with a speeding ticket: Hugo

Going over the speed limit can result in a speeding ticket, which may affect car insurance premiums. It can also result in two to six points on your license that won’t disappear for two years.[6] The average cost of car insurance for drivers with a speeding ticket in Dalton is $251 per month for full coverage and $152 for liability only. To find affordable coverage in Dalton, Georgia, after getting a speeding ticket, compare liability-only quotes from the cheapest insurance companies Insurify analyzed:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo4055
Auto-Owners4762
State Farm5065
COUNTRY Financial5168
Allstate5572
Mile Auto5577
USAA5977
Progressive6788
Safeco7093
State Auto72102
Mercury80112
GEICO81106
Clearcover86113
National General95137
Elephant99143
Liberty Mutual99143
Direct Auto100132
AssuranceAmerica101135
GAINSCO110158
Midvale Home & Auto112151
Nationwide121159
Infinity144196
The General150198
Bristol West168218
Foremost179258
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Having an at-fault accident on your record in Dalton, Georgia, will most likely increase your car insurance premiums. How much they increase depends on the severity of the accident and claim, so it’s important to review your policy at renewal to see how much more you’ll pay.[7] If the cost jumps too high, you can shop around for a new insurance company. The cost of car insurance for Dalton drivers with an accident is $263 per month for full coverage and $159 for liability only, on average.

The table below shows the cheapest car insurance companies for drivers in Dalton with an at-fault accident:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo4053
Auto-Owners4764
State Farm5068
COUNTRY Financial5172
Allstate5576
Mile Auto5583
USAA5981
Progressive6794
Safeco7093
State Auto72109
Mercury80117
GEICO81112
Clearcover86126
National General95130
Elephant99134
Liberty Mutual99148
Direct Auto100141
AssuranceAmerica101139
GAINSCO110147
Midvale Home & Auto112162
Nationwide121168
Infinity144195
The General150210
Bristol West168228
Foremost179268
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Hugo

Driving under the influence is dangerous and risky to drivers and other passengers. Having a DUI conviction increases car insurance premiums due to the added risk. In Dalton, car insurance costs can double after a DUI conviction or even trigger a non-renewal with your car insurance company.[7] The average cost of car insurance for drivers with a DUI is $297 per month for full coverage and $180 for liability only.

Start your quote comparison for car insurance with the following cheap auto insurers for drivers in Dalton with a DUI:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo4068
Auto-Owners4780
State Farm5085
COUNTRY Financial5187
Allstate5593
Mile Auto5585
USAA59100
Progressive67114
Safeco70119
State Auto72122
Mercury80123
GEICO81138
Clearcover86146
National General95161
Elephant99168
Liberty Mutual99168
Direct Auto100170
AssuranceAmerica101172
GAINSCO110187
Midvale Home & Auto112190
Nationwide121206
Infinity144245
The General150255
Bristol West168285
Foremost179304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: How Long Does a DUI Stay on Your Record?

Learn More: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: Hugo

Senior drivers can take advantage of low car insurance premiums in Dalton. Car insurance prices tend to dip around the age of 25 and decrease until around age 75, when they start to rise again because that’s when reaction times and driving capabilities decline.[8] Senior drivers in Dalton pay an average of $134 per month for full coverage and $81 for liability only.

To find affordable car insurance for seniors in Dalton, Georgia, start with the following cheap auto insurers:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo2336
Auto-Owners2741
State Farm2841
COUNTRY Financial2943
Mile Auto3354
Allstate3450
Progressive3457
USAA3654
State Auto4391
Safeco4573
Mercury4775
GEICO4973
Clearcover56102
Liberty Mutual60106
AssuranceAmerica61104
Direct Auto61114
Elephant6288
Midvale Home & Auto6496
Nationwide6496
National General65136
GAINSCO78159
Infinity85157
The General103176
Bristol West108209
Foremost111135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Hugo

Teen drivers tend to pay higher premiums than other age groups due to additional risk factors. Teens and young adults are just starting to learn to drive and don’t have as much experience on the road.[3] Plus, data from the CDC shows that teens are more likely to be involved in a fatal car accident. The average cost of car insurance for teen drivers in Dalton is $311 per month for full coverage and $189 for liability only.

Because of these factors, teens pay more for car insurance coverage. To get affordable coverage, teens should consider staying on their parents’ insurance and research insurers that offer teen-specific discounts.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo70112
COUNTRY Financial75112
Auto-Owners81120
State Farm85127
Allstate96143
USAA98144
Mile Auto106174
Progressive121206
GEICO127190
State Auto127271
Mercury145233
Safeco146236
Elephant163229
Clearcover167307
National General177367
Direct Auto182343
Liberty Mutual184327
AssuranceAmerica187321
Midvale Home & Auto195292
GAINSCO197401
Nationwide206309
The General243416
Infinity263485
Bristol West286555
Foremost317387
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Cheap Car Insurance in Dalton, GA

Monthly rates start at $40/mo. for minimum coverage in Dalton

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Dalton car insurance quotes by credit tier

Many car insurance companies use credit history as one of the criteria for determining premiums. A handful of states prohibit this practice, but Georgia allows insurers to do it.[9]

In Dalton, car insurance quotes are lowest for those with excellent or good credit. Those with poor credit pay significantly more, so it’s a good idea to work on improving your credit score when you can.

Rates by Credit 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 Dalton?

Insurance isn’t more expensive in Dalton. Car insurance in Dalton is about on par with the national average. The average cost of full-coverage car insurance in Dalton is $173 per month, while the national average for full coverage is higher, at $215 per month, based on Insurify data.

And full-coverage car insurance in Dalton is cheaper than in Georgia overall ($241 per month) and in Atlanta ($270).

More cities in Georgia

Car insurance in Dalton is relatively inexpensive compared to other cities in Georgia. Below, you can see the average monthly liability-only and full-coverage quotes from other cities. Savannah has the most expensive full-coverage insurance out of these cities, at $271 per month.

CityLiability OnlyFull Coverage
Athens$132$214
Atlanta$216$270
Augusta$144$235
Columbus$140$237
Lawrenceville$173$266
Marietta$167$241
Savannah$181$271
Woodstock$159$238
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.

Dalton car insurance FAQs

You can learn more about gap coverage before you start shopping to determine if this coverage is right for you. Additionally, check out the answers to common questions about car insurance in Dalton, Georgia.

  • How much is car insurance in Dalton?

    The average cost of car insurance in Dalton, Georgia, is $139 a month — that’s $173 a month for full coverage and $105 for liability coverage.

  • Which companies have the cheapest car insurance in Dalton?

    Hugo has the cheapest car insurance in Dalton, with a monthly liability-only rate of $40. Other affordable insurers include Auto-Owners and State Farm, with monthly liability rates of $47 and $50, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.

  • What are the best car insurance companies in Dalton?

    A couple of the best car insurance companies in Dalton are Auto-Owners and State Farm. These two insurers have high Insurify Quality Scores, strong J.D. Power ratings, and high financial stability ratings. But you should always get a free car insurance quote from multiple companies to find the right coverage at the best price for you.

  • What factors affect the cost of car insurance in Dalton?

    Your age, gender, vehicle, credit score, and past driving history affect the cost of your car insurance in Dalton. Additionally, accident and theft rates in the area influence how much insurers charge policyholders.[3]

  • Is Georgia a no-fault state?

    No, Georgia is not a no-fault state. Georgia follows a fault-based system, which means drivers who cause car accidents are responsible for paying for the resulting property damage and medical costs.[4]

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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.

Sources

  1. Georgia Department of Transportation. "Georgia Crash Data."
  2. U.S. Census Bureau. "Quick Facts, Dalton city, Georgia."
  3. III. "What determines the price of an auto insurance policy?."
  4. Nolo. "Georgia Car Accident Laws and Statute of Limitations."
  5. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  6. Georgia Department of Driver Services. "Points Schedule."
  7. III. "Do auto insurance premiums go up after a claim?."
  8. III. "Senior driving safety and insurance tips."
  9. NAIC. "Credit-Based Insurance Scores."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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