Cheapest Auto Insurance in Lawrenceville, Georgia (2025)

Progressive offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $104 per month.

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Cheapest recent rates near Lawrenceville, Georgia

Drivers in and around Lawrenceville, Georgia have found policies from AssuranceAmerica, Mile Auto, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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On the very outskirts of Atlanta sits Lawrenceville, a city with a population of around 30,000 and car insurance rates that are more expensive than the national and state averages.

Car insurance rates in Lawrenceville average $288 per month for full coverage and $204 per month for liability only. By comparison, the Georgia state averages are $249 and $163, respectively, while the national averages are $182 and $103.

Multiple factors likely account for the city's higher-than-average car insurance costs. Lawrenceville has a high population density of more than 2,200 residents per square mile.[1] With a median commute time of 33 minutes, Lawrenceville drivers likely drive a relatively high number of miles. Higher mileage driving can increase the risk of being involved in an accident.

Lawrenceville drivers can find cheap car insurance by comparing quotes from multiple companies, and maintaining clean driving records.

Quick Facts
  • Progressive, Mile Auto, and Auto-Owners have the cheapest insurance in Lawrenceville.

  • Full-coverage car insurance in Lawrenceville is more expensive than the national average and the state average.

  • New legislation in Georgia prevents insurers from raising rates as much as 25% per rate filing.

Best car insurance companies in Lawrenceville

You have dozens of options for car insurance in Lawrenceville, but the cheapest option may not always be the best. Affordability is key, but it’s also critical that you get the exact coverage you need. Look to insurers like Auto-Owners, State Farm, and COUNTRY Financial to find the cheapest rates in Lawrenceville that suit your personal insurance needs.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$133$97Liability-only coverage
State Farm9.3$143$104High school and college students
COUNTRY Financial9.1$145$106Discounts and bundling
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Auto-Owners

User Reviews
3.9
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.
8.2 /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.
$120/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.
$158/mo
3.9
A solid optionBased on 228 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (132)
Patricia
Verified Review
Price Gouging
Reviewed in Florida on September 2025
I drive about 5,000 miles a year and am paying over $2,500 with no accidents and no tickets. This is crazy. I would not refer.
Karen
Verified Review
Good rates.
Reviewed in Tennessee on September 2025
I would recommend.
James
Verified Review
Overpriced
Reviewed in Nebraska on August 2025
I’ve had no contact with them since I’ve never had a claim to speak with them. Their prices are going up very rapidly despite never having any kind of claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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).
A++
Why we picked this company

If your goal is to find the lowest rates for car insurance in Lawrenceville, Auto-Owners offers some of the cheapest monthly rates in the city. It has a strong A++ financial rating from AM Best and offers various auto insurance coverages, like purchase price guarantee, gap coverage, rental car coverage, and common loss deductible. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local independent agent.

Pros
  • Lower average rates than competitors

  • Coverage available for diverse vehicle types

Cons
  • Multiple National Association of Insurance Commissioners (NAIC) complaints in Georgia

  • Can’t purchase a policy online

Best insurer for high school and college students: State Farm

User Reviews
4.1
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.
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.
$128/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.
$170/mo
4.1
Best choiceBased on 11,616 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,166)
Michael
Verified Review
State Farm Car Insurance
Reviewed in Utah on September 2025
I've had no problems with State Farm, although their prices are a bit higher than those of other auto insurance companies.
Joel
Verified Review
Service Performance
Reviewed in Pennsylvania on September 2025
Very well pleased with the service.
Gary
Verified Review
Like an Annoying Neighbor, SF is Elsewhere
Reviewed in Alabama on September 2025
I had one incident in a decade, and they tossed me under the bus. Four rate increases in one year without notification or reasoning. I never received a notice about easily overlooked renewals and updated cards. Need I go on?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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).
A++
Why we picked this company

Finding cheap car insurance for teens can be difficult, but young drivers in Lawrenceville can look to State Farm for help. It offers discounts for drivers 25 and younger, including for students with good grades and college students away from home without access to a vehicle. But some discounts, such as Steer Clear and Accident Forgiveness, require three years of maintaining a clean driving record, which may be difficult for young drivers.

Pros
  • Discounts for students at home and away at school

  • Rideshare insurance available

Cons
  • Some discounts requires three years of safe driving

  • No gap insurance

Best insurer for discounts and bundling: COUNTRY Financial

User Reviews
3.7
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.
9.1 /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.
$131/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.
$172/mo
3.7
A solid optionBased on 53 verified guest reviews and ratings
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (31)
Christian
Verified Review
My experience with Country Financial has been upstanding and I haven't had a problem with them
Reviewed in Nevada on September 2025
Honestly, one of the best insurance providers I have dealt with.
Nan
Verified Review
Good
Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
Donna
Verified Review
Ok
Reviewed in Illinois on March 2025
The policy is good, but it's too pricey.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
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).
A+
Why we picked this company

COUNTRY Financial is one of the lowest-cost auto insurers in Lawrenceville. Average rates are competitive with other companies, while unique discounts for engaged couples, college grads, and more yield even lower rates. For policyholders interested in bundling life insurance, business insurance, or other policies, COUNTRY Financial can also combine these products under a single policy for discounts.

Pros
  • Unique discounts available

  • Plenty of bundling options

Cons
  • Legacy discounts require multiple policies

  • No rideshare insurance in GA

How to get the cheapest car insurance in Lawrenceville

Georgia drivers have different insurance needs, which means Lawrenceville drivers may not want the same policy as Atlanta drivers. For instance, drivers who spend more time driving leisurely in rural areas may not need the same coverage as a city commuter.

A number of factors influence your rate — like your age, credit score, and ZIP code — but you can still save money regardless of these factors.[2]

Consider these tips for getting cheap auto insurance coverage in Lawrenceville:

  • Increase your deductible. Agreeing to pay more out of pocket when you file a claim can reduce your monthly premiums. Just make sure you can afford the up-front cost if you need to file a claim.

  • Reconsider coverage. Reduce optional insurance if the market value of your vehicle is less than 10 times your premium. This can help you save money on monthly insurance costs.

  • Look for discounts. Insurers offer discounts to policyholders for various reasons. You can usually get a premium reduction if you set up automatic payments, have paperless billing, bundle policies, and insure more than one car.

  • Compare quotes. Shop around and compare prices through other insurers to make sure you’re getting the best rates available to you in Lawrenceville.

Cheapest liability-only car insurance in Lawrenceville: Progressive

Auto insurance companies like State Farm, McLellan & Gilbreath, and Cowart Insurance Agency offer different insurance policies, but Lawrenceville drivers don’t have to purchase every insurance product they offer.

Georgia state law only requires drivers to have a certain amount of liability insurance. Liability coverage pays for the damages and injuries you cause in an at-fault accident. Liability-only policies in Lawrenceville cost $204 per month, on average.

Here are the cheapest car insurance companies for liability insurance in Lawrenceville.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$104
Mile Auto$105
Auto-Owners$120
State Farm$128
COUNTRY Financial$131
Allstate$141
Mercury$150
USAA$150
Root$195
Direct Auto$203
GAINSCO$207
GEICO$222
Bristol West$232
Clearcover$234
National General$237
AssuranceAmerica$241
Safeco$245
The General$255
Nationwide$311
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Lawrenceville: Auto-Owners

Whereas liability-only coverage protects against the injuries and damages someone else sustains when you cause an accident, full-coverage insurance pays for damages that you, your property, and your passengers sustain.

Insurers don’t have a standard definition of full-coverage car insurance, though many insurers include comprehensive, collision, and liability coverages in their full-coverage offerings. For Lawrenceville drivers, full coverage can cost around $288 per month, on average.

Here are the cheapest full-coverage auto insurers in Lawrenceville to help you start your search.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$158
Mile Auto$165
State Farm$170
COUNTRY Financial$172
Progressive$174
Allstate$186
USAA$199
Mercury$246
Root$290
GEICO$291
Safeco$308
Clearcover$327
Direct Auto$328
National General$328
AssuranceAmerica$383
GAINSCO$386
Nationwide$409
The General$410
Bristol West$425
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Lawrenceville, Georgia

Drivers in and around Lawrenceville, Georgia have found policies from Allstate, Clearcover, Mile Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 September 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia auto insurance requirements are similar to many other tort states, also called at-fault states, in that they include bodily damage liability and property damage liability. All Georgia drivers must meet the following minimum insurance levels required by state law, though many drivers choose to purchase more coverage.[3]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person
$50,000 per incident
Property damage liability$25,000 per incident

Different optional coverages are available, some of which are unique to the insurer. You can typically find these types of optional insurance products from most national insurance companies and independent agents:

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

    Collision coverage

    Collision coverage pays for vehicle damages from incidents when your car hits a stationary object or another vehicle, even if you’re at fault.

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

    Comprehensive coverage

    Comprehensive coverage pays for damages to your vehicle from non-collision events, like theft, vandalism, severe weather, objects falling on your car, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing, labor, and rental reimbursement coverage

    These coverages may be separate or packaged together. Towing and labor provides coverage to get your car to a shop and repaired, while rental reimbursement covers rental car expenses while your car is in the shop.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for your and your passengers’ funeral and medical expenses resulting from a car accident.

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

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your injuries and damages when a driver without insurance — or not enough car insurance — causes an accident with you.

Georgia House Bill 221

Even if you have a clean driving record, your rates could increase for a number of reasons between policy renewals. Insurance companies in Georgia used to exploit a loophole that allowed them to raise rates up to 25% in a single filing.

Recently, Georgia Gov. Brian Kemp passed legislation that went into effect in July 2023 to close this loophole. Now, the Insurance and Safety Fire Commissioner can review all car insurance rate filings to assess the reason for the increase before it affects policyholders.[4]

Cheapest car insurance for drivers with an incident

Your driving record includes incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other violations. Many moving violations and traffic infractions can increase how much you pay for car insurance in Lawrenceville.

Here are the cheapest auto insurers in Lawrenceville based on your driving record.

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Lawrenceville drivers should be aware that both the police and insurance companies take speeding seriously. For instance, cops are cracking down on speeding in school zones in 2023 because a study showed that 25% of Lawrenceville drivers drove 11 mph faster than the speed limit in these zones.[5]

Speed is a major factor in fatal car crashes. When you get a speeding ticket, insurers take this as a sign of poor driving habits and may increase your premium. The average cost of car insurance for drivers with a speeding ticket in Lawrenceville is $354 per month for full coverage and $251 for liability only.

Here are the cheapest minimum-coverage car insurance quotes in Lawrenceville for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$104$128
Mile Auto$105$124
Auto-Owners$120$149
State Farm$128$157
COUNTRY Financial$131$163
Allstate$141$175
Mercury$150$203
USAA$150$186
Root$195$252
Direct Auto$203$253
GAINSCO$207$247
GEICO$222$283
Bristol West$232$290
Clearcover$234$301
National General$237$293
AssuranceAmerica$241$285
Safeco$245$311
The General$255$336
Nationwide$311$388
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive

Causing a fender bender at the Gwinnett County Fairgrounds might not be the biggest mistake you can make, but it’s an at-fault accident all the same and will likely raise your rates. Car accident claims cost your insurer money, which is why it raises your premium to recoup its losses (unless you have accident forgiveness).

In Lawrenceville, the average cost of car insurance for drivers with an accident is $388 per month for full coverage and $274 for liability only.

Below are the auto insurers in Lawrenceville with affordable monthly liability-only quotes for drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$104$140
Mile Auto$105$140
Auto-Owners$120$156
State Farm$128$167
COUNTRY Financial$131$171
Allstate$141$185
Mercury$150$219
USAA$150$197
Root$195$250
Direct Auto$203$277
GAINSCO$207$267
GEICO$222$278
Bristol West$232$307
Clearcover$234$343
National General$237$313
AssuranceAmerica$241$298
Safeco$245$339
The General$255$352
Nationwide$311$411
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

A DUI is one of the worst incidents you can have on your record. Your insurance company could cancel or not renew your policy if you have a DUI conviction. Drivers with DUIs can still find coverage from insurers who cater to high-risk drivers, but it’s important not to take such a risk in the first place.

Between 2017 and 2020, Georgia drivers received just less than 76,000 DUI convictions. Approximately 7% of these were for drivers in Gwinnett County.[6] Lawrenceville drivers can expect to pay an average of $464 per month for full coverage and $328 for liability only after a DUI conviction.

Here are the cheapest auto insurers for drivers with a DUI in Lawrenceville.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$104$167
Mile Auto$105$164
Auto-Owners$120$187
State Farm$128$200
COUNTRY Financial$131$204
Allstate$141$220
Mercury$150$229
USAA$150$234
Root$195$304
Direct Auto$203$317
GAINSCO$207$323
GEICO$222$347
Bristol West$232$362
Clearcover$234$365
National General$237$370
AssuranceAmerica$241$376
Safeco$245$406
The General$255$398
Nationwide$311$485
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 seniors: Mile Auto

Car insurance premiums tend to decrease around age 35 for drivers but increase again in older age groups due to declining health. Problems with vision and movement, as well as increased medication use, could increase the potential for being in an accident.[7]

Senior drivers tend to pay cheaper premiums than other age groups, especially young, inexperienced drivers. The average cost of car insurance for senior drivers in Lawrenceville is $254 per month for full coverage and $180 for liability only.

To start your search for cheap auto insurance companies in Lawrenceville in your senior years, check out the table below.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Mile Auto$74$116
Auto-Owners$82$108
State Farm$84$111
Progressive$89$149
COUNTRY Financial$95$124
Allstate$102$135
USAA$111$147
Mercury$116$190
Direct Auto$145$234
Root$151$225
GEICO$153$200
National General$163$225
GAINSCO$170$317
AssuranceAmerica$174$277
Bristol West$174$319
The General$193$310
Nationwide$198$260
Clearcover$202$282
Safeco$204$257
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive

In 2021, drivers between 15 and 20 years old represented 5% of all licensed drivers, though they represented 8.4% of all fatal crashes.[8] Teens have higher car insurance rates because of their disproportionate crash rates. Overconfidence, lack of experience, and more distractions increase the likelihood of crashing.

Keeping a clean record is the first way to get the lowest rates. Young drivers should also consider driving a car with the latest safety features, staying on their parents’ policies, and looking for good student discounts to save more. Teen drivers in Lawrenceville pay an average of $513 per month for full coverage and $363 for liability only.

The table below shows the cheapest auto insurers in Lawrenceville for teens and young adults.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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Progressive$185$310
COUNTRY Financial$201$264
Mile Auto$213$334
Auto-Owners$224$295
State Farm$241$321
USAA$272$361
Allstate$274$361
Mercury$276$453
Root$335$499
GAINSCO$385$717
Clearcover$393$550
Direct Auto$394$637
GEICO$394$516
Bristol West$409$750
The General$435$699
AssuranceAmerica$477$758
National General$477$661
Safeco$482$606
Nationwide$596$784
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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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Lawrenceville car insurance quotes by credit tier

Although Georgia House Bill 221 limits how much an insurer can raise your rates, you should also be aware of the many unique factors that could lead to a rate increase. Credit history is one of them: Georgia auto insurance companies are allowed to decide your policy eligibility and rate using information from your credit history.[9]

As shown below, drivers with poor credit generally pay more for car insurance than drivers with excellent or good credit.

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 Lawrenceville?

Car insurance in Lawrenceville is more expensive than the national average but cheaper than in some Georgia metropolitan areas.

Lawrenceville’s average monthly rates for car insurance are $204 for liability only and $288 for full coverage. Factors like an area’s rate of accidents and motor vehicle theft affect car insurance premiums for everyone in the city.

Lawrenceville’s average car insurance costs are similar to the state average but still cheaper than in cities like Atlanta and Savannah. In 2021, Fulton County had around 4,200 vehicle thefts, while Gwinnett County had around 200, which contributes to Lawrenceville’s comparatively cheaper rates.[10]

More cities in Georgia

Here’s how the average full-coverage car insurance quotes in Lawrenceville compare to average quotes in other Georgia cities.

City
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Liability Only
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Full Coverage
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Athens$141$213
Atlanta$239$319
Augusta$156$231
Columbus$152$233
Gainesville$151$217
Marietta$198$270
Savannah$188$274
Woodstock$172$232
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lawrenceville car insurance FAQs

Read Insurify’s report on why car insurance rates are increasing, and check out the answers to common questions about Lawrenceville car insurance.

  • How much is car insurance in Lawrenceville?

    The average cost of car insurance in Lawrenceville is $204 per month for liability only and $288 per month for full coverage.

  • Which companies have the cheapest car insurance in Lawrenceville?

    Progressive has the cheapest car insurance in Lawrenceville, with a monthly liability-only rate of $104. Other affordable insurers include Mile Auto and Auto-Owners, with liability rates of $105 and $120 per month, respectively.

    The cheapest car insurance company for you will depend on many factors, including your vehicle, gender, ZIP code, age, and driving history.

  • What are the best car insurance companies in Lawrenceville?

    Some of the best car insurance companies in Lawrenceville include Auto-Owners, State Farm, and COUNTRY Financial. These auto insurers have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from. But the best insurer for you depends on your unique needs. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.

  • Is car insurance cheaper in Georgia?

    No. Car insurance is generally more expensive in Georgia. The state’s average rates of $163 per month for liability coverage and $249 per month for full coverage are higher than the national averages of $103 per month for liability coverage and $182 per month for full coverage.

    Rates could be more expensive in Georgia because it was one of the states with the most car accidents in 2022, according to Insurify data, and its car ownership costs — including vehicle maintenance — are higher than average.

  • What factors can affect your car insurance premium in Lawrenceville?

    Factors outside of your control that influence the cost of your car insurance in Lawrenceville include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors in your control are your driving record, credit score, vehicle type, and coverage options.[2]

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 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:

  • 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.

Related articles

Sources

  1. U.S. Census Bureau. "QuickFacts, Lawrenceville city, Georgia."
  2. III. "What determines the price of an auto insurance policy?."
  3. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  4. Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
  5. Lawrenceville Georgia. "School Zone Speed Cameras."
  6. Georgia Department of Driver Services. "DUI Data Reports."
  7. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
  8. National Highway Traffic and Safety Administration. "Traffic Safety Facts 2021."
  9. Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
  10. Georgia Bureau of Investigation. "Crime Statistics."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Nick has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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