120+ more*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
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NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Car insurance in Lawrenceville costs an average of $198 per month for state-minimum liability coverage and $303 per month for full coverage. That’s less than the average rates in Atlanta, a more densely populated and congested city.
Nearby Monroe has cheaper car insurance than Lawrenceville — $163 per month for liability coverage and $267 per month for full coverage. Monroe has 57% fewer residents per square mile, which means less traffic and a lower risk of accidents.
Liability rates start as low as $88 per month
The cheapest car insurance in Lawrenceville comes from Auto-Owners, at an average of $88 per month for liability coverage.
Lawrenceville car insurance is pricier than Georgia’s monthly average of $157 for liability-only insurance and $261 for full coverage. One reason is that Gwinnett County ranks No. 3 in the state for vehicle thefts.
Georgia’s car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.[1] Lawrenceville drivers should consider optional full coverage due to hazards such as deer crossings.
The following table shows the most affordable car insurance in Lawrenceville.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $88 | $160 |
| State Farm | $94 | $171 |
| Country Financial | $96 | $173 |
| Allstate | $103 | $187 |
| Mile Auto | $106 | $183 |
| USAA | $109 | $199 |
| Progressive | $136 | $270 |
| Mercury | $148 | $252 |
| Root | $174 | $265 |
| Bristol West | $177 | $352 |
| GEICO | $178 | $336 |
| GAINSCO | $183 | $375 |
| Clearcover | $184 | $333 |
| Direct Auto | $186 | $323 |
| The General | $199 | $420 |
| AssuranceAmerica | $202 | $333 |
| National General | $210 | $328 |
| Safeco | $214 | $283 |
| Trexis One | $214 | $408 |
| Mendota | $221 | $401 |
| Nationwide | $227 | $413 |
| First Acceptance | $231 | $448 |
| Trexis | $235 | $444 |
| Liberty Mutual | $380 | $455 |
Baxley drivers pay the lowest liability insurance rates in Georgia, while full coverage is cheapest in LaFayette.
Auto insurance in Lawrenceville is higher than the state average and the average for the small town of Dacula, where driving under the influence (DUI) rates are lower.
See how Lawrenceville compares to other Georgia cities in the table below.
City | Average Monthly Quote |
|---|---|
| Albany | $191 |
| Alpharetta | $211 |
| Athens | $178 |
| Atlanta | $285 |
| Augusta | $194 |
| Columbus | $190 |
| Dallas | $236 |
| Dalton | $147 |
| Gainesville | $194 |
| Lawrenceville | $251 |
| Macon | $241 |
| Marietta | $234 |
| Savannah | $230 |
| Valdosta | $148 |
| Warner-Robins | $197 |
| Woodstock | $208 |
Pay your first week’s premium and get immediate proof of insurance
Lawrenceville is a suburb of Atlanta, and, as such, experiences rush-hour traffic. Because the average resident commutes about 32 miles to work — roughly the distance between Lawrenceville and downtown Atlanta — the areas around major commuter arteries such as state Route 29 and U.S. Route 316 can be especially congested.[2]
Multiple construction projects are affecting traffic downtown and increasing the risk of accidents. For example, the city is raising the Pike Street-Clayton Street and Crogant Street-Perry Street intersections. And while downtown Lawrenceville has extensive free parking, a construction project has temporarily closed the Crogan Street Plaza parking lot.[3]
Downtown Lawrenceville is home to many city-hosted events throughout the year, including the Lawrenceville Boogie and Not Your Mother’s Art Fest. Road and parking-lot closures for these events can make roads more congested than usual.
Georgia uses a tort insurance system, in which the at-fault driver (or their insurer) pays for the bodily injury and property damage to other parties. This can help keep rates lower. But Lawrenceville driver statistics push rates higher locally.
For example, Insurify data shows that 5.4% of Lawrenceville drivers have been in an accident, whereas the statewide average rate is 4.4%. Lawrenceville also has a high number of rideshare drivers. Nationally, driving rideshare increases premiums 28%, on average, according to Insurify data.
The following table shows Lawrenceville insurance rates by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $251 |
| Speeding ticket | $316 |
| At-fault accident | $346 |
| DWI | $305 |
Lawrenceville teens can get their learner’s permit at age 15 and their driver’s license at age 16, with modest restrictions until they turn 18.[4]
Teen drivers’ high accident rates are the reason their insurance rates are so high. From 2020 to 2024, Georgia Department of Transportation data shows that drivers ages 15 to 24 had 909 accidents, compared to just 266 for senior drivers ages 65 to 74. Auto insurance rates for senior drivers are among the lowest.
The following table shows the average monthly quotes for Lawrenceville drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $365 |
| 20s | $269 |
| 30s | $220 |
| 40s | $203 |
| 50s | $191 |
| 60s | $178 |
| 70+ | $191 |
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Whether you need cheap full-coverage car insurance in Lawrenceville or a liability-only policy, answers to these questions can help you find the right coverage for your needs.
Auto-Owners, State Farm, and Country Financial have the cheapest liability car insurance in Lawrenceville. But comparing quotes from multiple insurers can help you find the cheapest company for your situation.
Insurance companies base premiums on many factors, so there’s no one amount that every driver should look to pay. But the state average is $157 per month for liability coverage and $261 per month for full coverage, Insurify data shows.
Lawrenceville maintains a busy schedule of road repairs and improvements to facilitate efficient traffic flow and easy access to parking.
Georgia Farm Bureau Insurance offers many types of insurance products, including auto, farm, and life insurance, as well as renters insurance and business, health, and home insurance. You can buy a policy from any of the bureau’s 160 insurance agency offices, including the one on Cripple Creek Drive in Lawrenceville.
The best option is to request car insurance quotes for Lawrenceville insurance policies. That way, you can compare rates and policy features from several different companies to find the best fit for your unique circumstances.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.