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.”
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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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 $165 per month for full coverage and $106 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 Company
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.
Full Coverage
Liability Only
Best For
Auto-Owners
8.5
$97
$64
Full coverage
Hugo
7.0
N/A
$57
Temporary coverage
State Farm
9.3
$104
$69
Teen 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.
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.
8.5/10
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.
$45/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.
$68/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
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.
7.0/10
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.
$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.
It's too expensive and I never get a response from them until days later. It's hard to modify your policy. They don’t cover all cars and when you try to talk with someone, they never answer. Very poor insurance company.
Kimberly - July 14, 2024
Verified
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
Jennifer - July 13, 2024
Verified
Rate Increase If You Turn Off and On
I can't say much except that I don't like the rate hike because I didn't use it.
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.
$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.
$73/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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
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 $106 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
$40
Auto-Owners
$45
State Farm
$48
COUNTRY Financial
$49
Allstate
$52
Mile Auto
$53
USAA
$56
Progressive
$65
Safeco
$69
GEICO
$78
Mercury
$80
Clearcover
$85
Elephant
$97
Liberty Mutual
$97
Direct Auto
$98
AssuranceAmerica
$99
GAINSCO
$108
Midvale Home & Auto
$108
National General
$113
Nationwide
$116
Infinity
$143
The General
$148
Bristol West
$164
Foremost
$176
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: State Farm
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 $165 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$68
State Farm
$73
COUNTRY Financial
$74
Allstate
$80
USAA
$85
Mile Auto
$90
Safeco
$111
Progressive
$113
GEICO
$118
Mercury
$126
Elephant
$139
State Auto
$152
Clearcover
$159
Midvale Home & Auto
$166
AssuranceAmerica
$173
Liberty Mutual
$176
Nationwide
$176
Direct Auto
$179
National General
$192
Foremost
$220
GAINSCO
$220
The General
$253
Infinity
$269
Bristol West
$318
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.
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]
Bodily injury liability
$25,000 per person
$50,000 per incident
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:
Collision
This provides coverage for car repairs after accidents you cause, including hitting a stationary object like a fence or mailbox.
Comprehensive
This includes coverage for theft, natural disasters, vandalism, and objects falling on your car.
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
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 $236 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
$40
$55
Auto-Owners
$45
$59
State Farm
$48
$62
COUNTRY Financial
$49
$65
Allstate
$52
$68
Mile Auto
$53
$73
USAA
$56
$73
Progressive
$65
$85
Safeco
$69
$91
GEICO
$78
$102
Mercury
$80
$112
Clearcover
$85
$112
Elephant
$97
$138
Liberty Mutual
$97
$138
Direct Auto
$98
$128
AssuranceAmerica
$99
$131
GAINSCO
$108
$154
Midvale Home & Auto
$108
$146
National General
$113
$147
Nationwide
$116
$152
Infinity
$143
$194
The General
$148
$195
Bristol West
$164
$213
Foremost
$176
$251
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 $251 per month for full coverage and $161 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Hugo
$40
$54
Auto-Owners
$45
$62
State Farm
$48
$66
COUNTRY Financial
$49
$70
Allstate
$52
$72
Mile Auto
$53
$79
USAA
$56
$77
Progressive
$65
$91
Safeco
$69
$93
GEICO
$78
$108
Mercury
$80
$117
Clearcover
$85
$125
Elephant
$97
$131
Liberty Mutual
$97
$146
Direct Auto
$98
$138
AssuranceAmerica
$99
$137
GAINSCO
$108
$144
Midvale Home & Auto
$108
$158
National General
$113
$157
Nationwide
$116
$162
Infinity
$143
$195
The General
$148
$208
Bristol West
$164
$224
Foremost
$176
$265
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 $284 per month for full coverage and $182 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Hugo
$40
$60
Auto-Owners
$45
$77
State Farm
$48
$82
COUNTRY Financial
$49
$83
Allstate
$52
$89
Mile Auto
$53
$81
USAA
$56
$95
Progressive
$65
$111
Safeco
$69
$117
GEICO
$78
$133
Mercury
$80
$123
Clearcover
$85
$145
Elephant
$97
$165
Liberty Mutual
$97
$165
Direct Auto
$98
$167
AssuranceAmerica
$99
$169
GAINSCO
$108
$184
Midvale Home & Auto
$108
$184
National General
$113
$192
Nationwide
$116
$197
Infinity
$143
$243
The General
$148
$252
Bristol West
$164
$279
Foremost
$176
$300
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.
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 $127 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$23
$90
Auto-Owners
$26
$39
State Farm
$27
$41
COUNTRY Financial
$28
$42
Mile Auto
$31
$53
Allstate
$32
$50
Progressive
$32
$56
USAA
$35
$53
Safeco
$46
$74
GEICO
$48
$72
Mercury
$48
$75
Clearcover
$56
$104
AssuranceAmerica
$59
$104
Direct Auto
$60
$109
Liberty Mutual
$61
$111
Nationwide
$62
$94
Elephant
$63
$90
Midvale Home & Auto
$63
$97
National General
$72
$122
GAINSCO
$79
$162
Infinity
$85
$159
The General
$100
$171
Bristol West
$105
$204
Foremost
$109
$136
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 $303 per month for full coverage and $195 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$71
$280
COUNTRY Financial
$73
$110
Auto-Owners
$78
$118
State Farm
$83
$126
Allstate
$93
$142
USAA
$94
$143
Mile Auto
$104
$177
Progressive
$119
$206
GEICO
$125
$189
Safeco
$145
$233
Mercury
$147
$232
Elephant
$162
$233
Clearcover
$167
$312
Liberty Mutual
$180
$327
Direct Auto
$181
$330
AssuranceAmerica
$186
$325
Midvale Home & Auto
$189
$290
GAINSCO
$194
$395
Nationwide
$202
$306
National General
$221
$375
The General
$242
$414
Infinity
$266
$499
Bristol West
$283
$549
Foremost
$317
$396
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
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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 $165 per month, while the national average for full coverage is higher, at $214 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 ($274).
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 $258 per month.
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 $135 a month — that’s $165 a month for full coverage and $106 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 $45 and $48, 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.
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.
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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