Cheapest Auto Insurance in Marietta, Georgia (2024)

Marietta drivers spend an average of $191 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 $191 is on par with the Georgia state average of $193 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

Best insurer for collision coverage: State Farm

Best insurer for educators: Liberty Mutual

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.

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Liability-only rates start at $56 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 $56. 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 $223 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.

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Monthly rates start at $76 for drivers with an incident

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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 $276 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 $288 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 $326 per month with a DUI on your record.

Cheapest car insurance for seniors: Auto-Owners

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 $148 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 $341 per month, and you can see insurers offering more affordable rates below.

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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