Best Cheap Auto Insurance in Dalton, Georgia (2023)

Dalton drivers pay lower average premiums than drivers in many other Georgia cities. Here’s how you can find cheap insurance for your coverage needs.

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 November 30, 2023 at 11:00 AM PST

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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. 

The average cost of car insurance in Dalton is $228 per month, based on Insurify data. This cost is lower than you’ll find in many other cities in Georgia and is more affordable than the state average. 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
  • Car insurance in Dalton is 32% cheaper than the Georgia state average cost.

  • The average monthly cost of full-coverage car insurance in Dalton is $254 and $164 for liability only.

  • Georgia permits insurance companies to consider your credit when setting your premium.

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Best 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.

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

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.
4.1
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.
$48/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.
$69/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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

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
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.
$42/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

Very helpful in times of need.

Alessandra - July 14, 2023
Verified

I love it.

Jamaica - July 12, 2023
Verified
Read our Hugo review

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.
4.4
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.
$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.
$74/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

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Cheapest liability-only car insurance in Dalton

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.

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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners48
State Farm52
COUNTRY Financial53
Allstate57
Mile Auto58
USAA61
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

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.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners69
COUNTRY Financial74
State Farm74
Allstate80
USAA86
Mile Auto87
Travelers117
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.

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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.[1] 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:[2]

  • 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

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.[3] To find affordable coverage in Dalton, Georgia, after getting a speeding ticket, compare quotes from the cheapest insurance companies Insurify analyzed:

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners98
COUNTRY Financial105
State Farm105
Allstate113
USAA122
Mile Auto123
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

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.[4] If the cost jumps too high, you can shop around for a new insurance company.

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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners102
COUNTRY Financial109
State Farm109
Allstate118
USAA127
Mile Auto129
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

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 nonrenewal with your car insurance company.[4]

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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners116
COUNTRY Financial124
State Farm124
Allstate134
USAA144
Mile Auto146
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

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.[5]

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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners45
COUNTRY Financial48
State Farm48
Allstate52
USAA56
Mile Auto57
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

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.[6] Plus, data from the CDC shows that teens are more likely to be involved in a fatal car accident.

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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners122
COUNTRY Financial131
State Farm131
Allstate142
USAA152
Mile Auto154
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 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.[6] 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.

Shop for Cheap Car Insurance in Dalton, GA

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Learn More: The Insurify Guide to Car Insurance Discounts

Learn More: The Insurify Guide to Car Insurance Discounts

Dalton car insurance quotes by credit tier

Many car insurance companies use credit scores as one of the criteria for determining premiums. A handful of states prohibit this practice, but Georgia allows insurers to do it.[7]

In Dalton, car insurance quotes are lowest for those with excellent or good credit, at $196 per month or $231 per month on average, respectively, for full coverage. Drivers in Dalton with fair credit can expect to pay an average of $254 per month for full coverage. Those with poor credit pay significantly more, with average costs of up to $394 per month for full coverage.

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 $254 per month, while the national average for full coverage is just one dollar less, at $253 per month, based on Insurify data.

And full-coverage car insurance in Dalton is cheaper than in the state of Georgia overall ($376 per month). It’s also significantly cheaper than full-coverage costs in Atlanta.

More cities in Georgia

Car insurance in Dalton is relatively inexpensive compared to other cities in Georgia. Below, you can see average monthly full-coverage quotes and the percentage difference compared to Dalton. Decatur has the most expensive full-coverage insurance in Georgia, at $558 per month, which is 120% more than in Dalton.

CityAverage Monthly QuoteCompared to Dalton
Atlanta$44676%
Augusta$28813%
Columbus$28111%
Decatur$558120%
Douglasville$35439%
Lawrenceville$38451%
Lithonia$526107%
Marietta$31524%
Savannah$36142%
Stone Mountain$49193%
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 $228 a month — that’s $254 a month for full coverage and $164 for liability coverage.

  • 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.[6]

  • 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.[1]

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. Nolo. "Georgia Car Accident Laws and Statute of Limitations." Accessed June 23, 2023
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance." Accessed June 23, 2023
  3. Georgia Department of Driver Services. "Points Schedule." Accessed June 23, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed June 23, 2023
  5. III. "Senior driving safety and insurance tips." Accessed June 23, 2023
  6. III. "What determines the price of an auto insurance policy?." Accessed June 23, 2023
  7. NAIC. "Credit-Based Insurance Scores." Accessed June 23, 2023
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.

Featured in

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