Cheapest Auto Insurance in Lawrenceville, Georgia (2024)

Hugo offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $65 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
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  • Contributor to brands like Credible

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated July 14, 2024

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Cheapest recent rates near Lawrenceville, Georgia

Recent Lawrenceville, Georgia car insurance prices for GMC, Dodge, Chevrolet , and more.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $267 per month for full coverage and $175 per month for liability only. By comparison, the Georgia state averages are $241 and $146, respectively, while the national averages are $214 and $105.

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
  • Hugo, Auto-Owners, and State Farm 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 CompanyIQ 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 CoverageLiability OnlyBest For
Auto-Owners8.5$97$64Liability-only coverage
State Farm9.3$104$69High school and college students
COUNTRY Financial8.8$106$70Discounts and bundling
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.
  • 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.8
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.
8.5/10
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.
$73/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.
$111/mo

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

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for high school and college students: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$79/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.
$119/mo

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

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for discounts and bundling: COUNTRY Financial

Compare personalized, real-time quotes
User Reviews
3.1
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.
8.8/10
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.
$80/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.
$121/mo

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

Read more driver reviews of Country Financial
Richard - June 18, 2024
Verified

Poor

It's expensive.

Abdifatah - June 10, 2024
Verified

Excellent

I liked Country Financial.

Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

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: Hugo

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 $175 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, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$65
Auto-Owners$73
State Farm$79
COUNTRY Financial$80
Allstate$86
Mile Auto$87
USAA$92
Progressive$106
Safeco$112
GEICO$127
Mercury$132
Clearcover$139
Elephant$159
Liberty Mutual$159
Direct Auto$160
AssuranceAmerica$163
GAINSCO$177
Midvale Home & Auto$177
National General$186
Nationwide$190
Infinity$234
The General$242
Foremost$289
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 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 $267 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, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$111
State Farm$119
COUNTRY Financial$121
Allstate$131
USAA$140
Mile Auto$147
Safeco$182
Progressive$186
GEICO$192
Mercury$206
Elephant$228
State Auto$250
Clearcover$260
Hugo$261
Midvale Home & Auto$273
AssuranceAmerica$283
Liberty Mutual$287
Nationwide$287
Direct Auto$293
National General$314
Foremost$360
GAINSCO$361
The General$415
Infinity$440
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 recent rates near Lawrenceville, Georgia

Recent Lawrenceville, Georgia car insurance prices for Chevrolet, Hyundai, GMC , and more.

*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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]

CoverageMinimum Requirements
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.

Shop for Car Insurance in Lawrenceville, GA

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Cheapest car insurance for drivers with a speeding ticket: Hugo

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 $383 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, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$65$89
Auto-Owners$73$95
State Farm$79$102
COUNTRY Financial$80$107
Allstate$86$112
Mile Auto$87$120
USAA$92$120
Progressive$106$138
Safeco$112$148
GEICO$127$166
Mercury$132$184
Clearcover$139$183
Elephant$159$227
Liberty Mutual$159$227
Direct Auto$160$209
AssuranceAmerica$163$216
GAINSCO$177$253
Midvale Home & Auto$177$239
National General$186$242
Nationwide$190$250
Infinity$234$318
The General$242$319
Foremost$289$413
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

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 $406 per month for full coverage and $266 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, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$65$87
Auto-Owners$73$101
State Farm$79$109
COUNTRY Financial$80$114
Allstate$86$119
Mile Auto$87$129
USAA$92$127
Progressive$106$149
Safeco$112$151
GEICO$127$176
Mercury$132$193
Clearcover$139$205
Elephant$159$216
Liberty Mutual$159$239
Direct Auto$160$226
AssuranceAmerica$163$225
GAINSCO$177$236
Midvale Home & Auto$177$259
National General$186$259
Nationwide$190$265
Infinity$234$319
The General$242$341
Foremost$289$434
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

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 $459 per month for full coverage and $301 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, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$65$98
Auto-Owners$73$124
State Farm$79$134
COUNTRY Financial$80$136
Allstate$86$146
Mile Auto$87$133
USAA$92$157
Progressive$106$180
Safeco$112$191
GEICO$127$216
Mercury$132$203
Clearcover$139$237
Elephant$159$271
Liberty Mutual$159$271
Direct Auto$160$272
AssuranceAmerica$163$277
GAINSCO$177$301
Midvale Home & Auto$177$301
National General$186$317
Nationwide$190$323
Infinity$234$398
The General$242$412
Foremost$289$492
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 seniors: Hugo

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 $205 per month for full coverage and $134 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, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$37$148
Auto-Owners$42$64
State Farm$44$67
COUNTRY Financial$46$69
Mile Auto$52$87
Allstate$53$81
Progressive$53$93
USAA$58$88
Safeco$75$122
GEICO$78$118
Mercury$79$123
Clearcover$91$171
AssuranceAmerica$98$170
Direct Auto$98$179
Liberty Mutual$100$180
Nationwide$101$153
Elephant$103$147
Midvale Home & Auto$103$160
National General$119$200
GAINSCO$130$265
Infinity$139$261
The General$164$281
Foremost$179$223
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

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 $491 per month for full coverage and $322 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, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$115$460
COUNTRY Financial$119$181
Auto-Owners$127$193
State Farm$136$205
Allstate$153$233
USAA$155$236
Mile Auto$171$289
Progressive$194$340
GEICO$203$308
Safeco$235$381
Mercury$243$379
Elephant$266$382
Clearcover$273$511
Direct Auto$295$541
Liberty Mutual$296$534
AssuranceAmerica$306$532
Midvale Home & Auto$309$477
GAINSCO$318$649
Nationwide$330$499
National General$363$613
The General$396$680
Infinity$435$817
Foremost$520$648
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.

Get Auto Coverage in Lawrenceville

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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 $175 for liability only and $267 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.

CityLiability OnlyFull Coverage
Athens$133$209
Atlanta$222$274
Augusta$143$227
Columbus$140$239
Gainesville$139$230
Marietta$174$246
Savannah$179$258
Woodstock$163$248
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.

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 $175 per month for liability only and $267 per month for full coverage.

  • Which companies have the cheapest car insurance in Lawrenceville?

    Hugo has the cheapest car insurance in Lawrenceville, with a monthly liability-only rate of $65. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $73 and $79 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 $146 per month for liability coverage and $241 per month for full coverage are higher than the national averages of $105 per month for liability coverage and $214 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 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. 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.

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.

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