Cheapest Auto Insurance in Marietta, Georgia (2024)

Marietta drivers spend an average of $210 per month on car insurance. Just 20 miles outside of Atlanta, Marietta is steeped in history, culture, and art, including the famous Marietta Square.

Insurance rates here are far more pedestrian, and Marietta’s monthly average of $210 is on par with the Georgia state average of $196 per month. This means insurance rates here exceed the national average, likely due to the number of car accidents caused by traffic congestion.^[1]

As you look for new car insurance, here’s what you should know to keep your costs low in Marietta.

Cheapest car insurance companies in Marietta

Finding the cheapest insurance option for your individual needs requires you to compare quotes from several different insurers.

Here, you’ll find three of the top insurers in Marietta. Include them as you start your search, but be aware the best insurer for you may be another company entirely.

Best insurer for teen drivers: Allstate

Teen Drivers

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User Reviews	4.0 2,931 reviews
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.	8.9 /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.	$82/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.	$124/mo

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Driver Reviews

4.0

Best choiceBased on 5377 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (2,931)

Robert

October 20, 2024

Verified Review

Great Agent and Staff, But Poor Corporate Service

The customer service at the local office is top-notch, especially Emily from Shae's office - she's the best. However, when forwarded to corporate after hours, the service is extremely poor. I've communicated this to Shane in San Diego.

Kent

October 20, 2024

Verified Review

Fair

Your prices are way too high.

Charles

October 20, 2024

Verified Review

Twice as Expensive as Other Insurances

It's okay, but too expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

833

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.94

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

Under Joshua’s Law, Georgia residents who are younger than 18 must take a state-approved driving education course and complete 40 hours of supervised driving time behind the wheel.^[2] Allstate not only offers discounts for teen drivers who take safety classes but also offers discounts for drivers who have a high GPA and less distance traveled regularly.

Pros

• Multiple teen discounts available

• Offers safe driving discounts

Cons

• Must control the number of miles you drive when attending school

• To save the maximum amount, you must complete another safety course, provided by Allstate

Best insurer for collision coverage: State Farm

Collision Coverage

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User Reviews	4.2 4,698 reviews
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.	$75/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.	$113/mo

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Driver Reviews

4.2

Best choiceBased on 8548 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (4,698)

Karen

October 20, 2024

Verified Review

Not Happy with a 30% Increase Without Apparent Reason

They increase premiums arbitrarily without providing any explanation. I had no accidents or tickets.

Suzanne

October 20, 2024

Verified Review

Just starting

So far, so good!

Sue

October 20, 2024

Verified Review

There must be a less expensive company than State Farm.

Look elsewhere for better prices. Ours increase frequently.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

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

A staggering 44% of all accidents in Marietta are rear-end accidents caused by traffic over-congestion.^[1] State Farm offers extensive collision coverage for a lower rate to help drivers who are involved in this type of accident get back on the road.

Pros

• Above-average J.D. Power customer satisfaction rating in the Southeast region

• Easy to work with in the event of an accident

Cons

• Collision coverage doesn’t include damage from weather-related events

• Coverage limited to vehicle’s actual value and not repairs needed

Best insurer for educators: Liberty Mutual

Educators

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User Reviews	3.7 1,510 reviews
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.	7.7 /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.	$151/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.	$273/mo

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Driver Reviews

3.7

A solid optionBased on 2586 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,510)

Ruth

October 20, 2024

Verified Review

Too Expensive

Extremely expensive.

Yeris

October 19, 2024

Verified Review

No Help in Personal Assistance

I had a terrible experience. They increased the price and the service was poor.

Silvia

October 19, 2024

Verified Review

Not Satisfied

It has been changing very often to be super expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

819

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

3.95

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

Education makes up a significant portion of the workforce in Marietta.^[3] People who teach not only belong to the second-largest school district in Georgia but the 23rd-largest district in the nation. Liberty Mutual offers coverage in unique vehicle situations on a school campus, such as vandalism, student theft, and damage of teaching materials, all of which gives teachers one less thing to worry about.

Pros

• Custom coverage provides adequate protection on campus

• Offers an educator discount

Cons

• Only covers materials up to $2,500

• More expensive than other insurance companies

How to get the cheapest car insurance in Marietta

Your insurance rate is affected by a variety of factors, such as your driving record, age, credit history, marital status, and ZIP code.

Some of these factors are out of your control, but you can lower your costs by employing the following strategies:

• Practice safe driving. Many accidents in Marietta are a result of traffic congestion. Keep your eyes on the road, and limit distractions while you’re driving.

• Limit claims. Even if you’re not at fault for an accident, insurance companies can still raise your rates, so report claims wisely.

• Look for discounts. Many companies offer discounts such as online billing, setting up automatic payments, and bundling your policy. Ask your insurer what discounts you may be available for.

Find Car Insurance in Marietta, Georgia

Liability-only rates start at $62 per month

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Cheapest liability-only car insurance in Marietta: Hugo

You must have liability insurance to drive in Marietta. Liability insurance covers property damage or bodily injury suffered by the other parties in an accident you cause. But it doesn’t cover you or your vehicle in this situation.

The cheapest insurer in Marietta is Hugo, with an average monthly cost of $62. Here are other insurers to consider.

Cheapest full-coverage car insurance in Marietta: Hugo

A full-coverage car insurance policy includes additional protection to help cover you and your vehicle in the event of an auto accident. Most lenders require you to carry coverage protection if you’re in the process of purchasing or leasing a vehicle.

The average rate for full coverage in Marietta is $246 per month, and you can see a collection of area insurer rates below.

Car insurance requirements in Georgia

Georgia law requires that all drivers carry liability insurance to operate a motor vehicle on its public roads and highways. While Georgia doesn’t legally require you to purchase additional insurance coverage outside of liability insurance, the state of Georgia has implemented a tort system.

This system offers victims of car accidents the option to seek further financial compensation from drivers found at fault.^[4] In addition to expenses incurred from bodily injury and property damage, victims can also ask for compensation for future medical bills, time off from work, mental distress that has resulted, and, in severe cases, death.

This table shows you the specific minimum insurance requirements you must meet to drive legally in the state of Georgia.

While the table above illustrates the minimum requirements you must meet, you can supplement your coverage with any of the following options:

• 

  Collision coverage

  Collision insurance covers your car if you’re in an accident and need repairs done on your vehicle. Collision covers you even if you were at fault for the accident.

• 

  Comprehensive coverage

  Weather, theft, fire, and vandalism damage are all covered under comprehensive insurance.

• 

  Uninsured/underinsured motorist coverage

  When it comes to Georgia motorists, 12.4% of drivers in the state don’t carry car insurance. This type of coverage protects you financially if you’re a victim of an accident with someone who lacks coverage. Sometimes the at-fault motorist may not have enough coverage to cover all of the incurred expenses. Underinsured motorist coverage helps cover the rest by kicking in after the policy amount has been paid.

• 

  Personal injury protection (PIP) coverage

  This coverage pays for injuries and expenses sustained by you or your passengers during an accident.

Cheapest car insurance for drivers with an incident

Driving incidents can include speeding tickets, at-fault accidents, driving while under the influence, and other moving traffic violations.

Insurers understand that once you have an incident on your record, you’re statistically more likely to continue to engage in riskier driving behavior. Insurers then hedge their bets against future claims by increasing your premiums now.

In the sections that follow, you’ll see how individual incident types can affect the rates you pay in Marietta.

Shop for Car Insurance in Marietta, GA

Monthly rates start at $81 for drivers with an incident

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4.8/5

Cheapest car insurance for drivers with a speeding ticket: Hugo

The National Highway Traffic Safety Administration’s (NHTSA) Fatality Analysis Reporting System (FAR) reports that 21% of Georgia state traffic casualties were caused by speeding.^[5] Because of stats like this, insurance companies in Marietta view drivers with speeding tickets as more likely to cause future accidents and raise rates accordingly.

The average rate for drivers with a speeding ticket in Marietta is $291 per month, and you can see the rates offered by leading insurers in the table below.

Cheapest car insurance for drivers with an at-fault accident: Hugo

Georgia Code § 40-6-273 legally requires you to report an accident you were involved in as quickly as possible if it results in death or damage exceeding $500.^[6]

Georgia also allows victims of an accident to seek compensation for medical expenses, pain, and suffering from the at-fault party. Victims can seek this compensation up to two years after the accident.

Both of these statutes raise car insurance rates for people who reside here, and you can expect to pay around $304 per month for coverage if you have an accident on your record.

Here, you can see how that average compares with the rates offered by leading insurers.

Cheapest car insurance for drivers with a DUI: Hugo

Being convicted of a DUI (driving under the influence) can raise your insurance rates substantially.

Georgia requires people convicted of a DUI to serve at least 40 hours of community service, in addition to paying associated fines.^[7] Driving while intoxicated not only endangers your safety but the safety of everyone else on the road, and 20% of traffic fatalities in Georgia are linked to DUIs.^[5]

Some insurers will stop your coverage altogether if you’re convicted of a DUI, and if you’re in the market for new insurance, you can expect to pay about $346 per month with a DUI on your record.

Cheapest car insurance for seniors: Hugo

Car insurance rates generally decrease around age 35 but rise again around age 70. This is because reduced faculties make you more likely to be involved in an accident. In addition, seniors involved in an accident are also more likely to need considerable medical care.

The average rate for car insurance for seniors in Marietta is $167 per month.

Here, you can see the average rates for liability and full coverage offered by area insurers.

Cheapest car insurance for teens: Hugo

Teens pay some of the highest rates for car insurance. Teen drivers in Marietta are required to take a state-approved driving education course and clock 40 hours of supervised driving, which can lower their insurance rate. Teens can also find discounts for being a good student or for driving a safe car.

The average rate for car insurance for teens in Marietta is $404 per month, and you can see insurers offering more affordable rates below.

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Unlock savings and discounts when you compare rates

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Based on 3,806+ reviews

4.8/5

Marietta car insurance quotes by credit tier

Georgia law allows creditors to use your credit history when determining your car insurance rate.

Insurers have found that people with excellent or good credit scores are less likely to file a claim than people with poor credit scores. Unfortunately, this means drivers with poor credit scores may end up paying higher rates.

The table below shows the average rates for consumers based on their credit score.

Is car insurance more expensive in Marietta? 

Yes. The average monthly price of car insurance in Marietta is 39% higher than the national average of $158.

Insurance rates in Georgia vary per city due to the condition of roads, traffic congestion, accident rate, and traffic fatalities for drivers and pedestrians. Cities with a larger population tend to have higher rates because of increased crime and accident risk.

More cities in Georgia 

Insurance rates vary by ZIP code. In the table below, you can see how rates in Marietta compare to those in several other Georgia cities.

Marietta car insurance FAQs