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Cheap Auto Insurance Quotes in Hinesville, GA, for 2023

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Anna Baluch
Written by
Anna Baluch
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Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated July 18, 2022

Quick Facts

  • The average cost of car insurance in Hinesville is $240 per month or $2,880 annually.

  • Car insurance in Hinesville is $114 less than the average cost of insurance in Georgia.

  • The cheapest top car insurance provider in Hinesville on average is Progressive.

Car Insurance in Hinesville, GA

If you live in Hinesville, you must meet Georgia’s minimum car insurance requirements to drive legally. Since there are many insurers in the area with different coverage options and rates, it’s important to shop around and compare car insurance quotes. By doing so, you can lock in a cheap policy that may save you hundreds of dollars each year.

Quotes by Top Companies

Progressive
$127
Travelers
$163
National General
$173
State Auto
$202
Nationwide
$217

See More:

Cheap Car Insurance Georgia

Compare Car Insurance

Cheapest Car Insurance in Hinesville, GA

What is the cheapest car insurance in Hinesville?

Progressive is the cheapest top car insurance provider on average in Hinesville, with rates starting at $127 per month. It’s still important to compare car insurance rates because everyone’s situation is different.

Fortunately, plenty of car insurance providers serve the Hinesville area. Below is a table that lists insurers and their average monthly quotes. As you can see, auto insurance premiums in Hinesville have quite a large range, as companies have different methods of determining rates, which is why it’s always important to compare policies before purchasing one.

Insurance CompanyAverage Monthly Quote
Progressive$127
Travelers$163
National General$173
State Auto$202
Nationwide$217
Bristol West$228
Liberty Mutual$243
Hugo$56
Mile Auto$142
Elephant$191
Foremost$194
Clearcover$214
Mercury$221
Safeco$227
Direct Auto$239
Midvale Home & Auto$245
SafeAuto$258
Amigo America$266
GAINSCO$282
InsureMax$284
The General$288
AssuranceAmerica$303
Infinity$323
Arrowhead$367
Freedom National$388
Everest National$390
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.

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Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured motorist bodily injury

  • $50,000 per accident for uninsured motorist bodily injury

  • $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Hinesville Car Insurance Rates by Driving and Accident History

Each car insurance company will consider your driving record and accident history when they review your application for a policy[2]. If you have a clean record, free of serious violations, like DUIs and at-fault accidents, you can expect cheaper car insurance than a driver with a shaky record with several offenses. This table shows that good driving leads to the lowest rates.

Driver HistoryAverage Monthly Cost
Clean Record$233
Speeding Ticket$312
At-Fault Accident$340
DUI$464
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.

See More:

High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Hinesville Car Insurance Rates by Credit Tier

When you apply for a loan or credit card, lenders and credit card issuers will look at your credit to determine your interest rate[3]. You may be surprised to learn that some auto insurance companies will also focus on your credit. This is because a higher credit score generally means you’ll file fewer claims. Check out this table to see how your credit may impact your premium.

Credit TierAverage Monthly Cost
Excellent$210
Good$248
Average$273
Poor$423
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.

How to Get the Cheapest Car Insurance in Hinesville

In today’s day and age, when the cost of living is so expensive, cheap car insurance can be a lifesaver for your wallet. One of the best ways to secure that cheap rate is to compare car insurance companies side-by-side to find the best fit for you. Insurify makes this easy, providing free quotes from the top companies in your area in just a few minutes.

Drivers can also save by taking advantage of some of the many discounts that insurance companies offer. Many providers will offer reduced rates for customers who bundle their auto insurance with home insurance or renters insurance.

Frequently Asked Questions

  • The key to cheap car insurance in Hinesville is research. Since rates vary greatly, it’s well worth your time and effort to shop around and see what’s available to you. Insurify makes this process a breeze. Simply fill out a short online form and enjoy access to free car insurance quotes in minutes. It’s the smart, reliable way to find cheap auto coverage.

  • Car insurance policies in Hinesville range from $56 to $390 per month. But several factors will influence your particular premiums. These include but are not limited to your age, gender, marital status, driving record, and credit score. Your previous insurance coverage and vehicle type will also play a role in your rates.

  • While some factors that increase car insurance premiums in Hinesville are under your control, others are not. Factors you can control include your driving history and credit score. The crime rate in Hinesville, the number of uninsured drivers, and the amount of vandalism that occurs may impact rates, but these are out of your hands.

Insurify Insights

How Hinesville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hinesville, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hinesville drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Hinesville

#23

City with the Most Speeding Tickets Rank in Georgia

#33

City with the Most Moving Violations Rank in Georgia

#109

City with the Most DUIs Rank in Georgia

#78

City with the Most Suspended Licenses in Georgia

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hinesville drivers rank 117 in the number of car accidents per driver across all cities in Georgia.

    • Rank within state: #117
    • Percent of drivers in Hinesville with an accident: 10%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hinesville drivers rank 109 in the number of DUI’s per driver across all cities in Georgia.

    • Rank within state: #109
    • Percent of drivers in Hinesville with a DUI: 1.2%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Hinesville drivers rank 96 in the number of reckless driving offenses per driver.

    • Rank within state: #96
    • Percent of drivers in Hinesville with a reckless driving offense: 2%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Hinesville drivers rank 72 in rude driving infractions.

    • Rank within state: #72
    • Percent of drivers in Hinesville with a reckless driving violation: 2.7%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Hinesville drivers rank 23 in the number of speeding infractions per driver.

    • Rank within state: #23
    • Percent of drivers in Hinesville with a speeding ticket: 13.1%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hinesville drivers rank 187 in clean driving records across all cities in Georgia.

    • Rank within state: #187
    • Percent of drivers in Hinesville with clean record: 74.2%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hinesville drivers rank 116 in hybrid and electric vehicle ownership across all cities in Georgia.

    • Rank within state: #116
    • Percent of drivers in Hinesville with a hybrid/electric vehicle: 0.55%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. idrivesafely.com. "Georgia Driving Record." Accessed June 30, 2022
  3. Office of Attorney General Georgia - Consumer Protection Division. "Credit Reports and Credit Score." Accessed June 30, 2022
Anna Baluch
Written by
Anna Baluch
Linkedin

Insurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.