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Car insurance in Roswell, Georgia, averages $169 per month for liability-only coverage and $273 per month for full coverage, according to Insurify data. Roswell’s rates are lower than in Atlanta, where drivers pay monthly averages of $221 for liability coverage and $343 for full coverage.
But Roswell’s average rates are slightly higher than in neighboring Alpharetta, where average monthly premiums are $163 for liability-only coverage and $243 for full coverage.
Roswell’s population size may affect its car insurance rates. Roswell is densely populated, with more than 2,200 people per square mile.[1] For comparison, the average population density in Georgia is about 185 people per square mile.
Georgia requires drivers to carry liability insurance, which includes bodily injury liability and property damage liability coverage. Georgia car insurance requirements for bodily injury coverage are $25,000 per person and 50,000 per incident. It also requires $25,000 in property damage liability coverage per incident.[2]
On average, liability policies cost $169 per month in Roswell — almost $80 cheaper than the average cost of a full-coverage policy. Overall, Roswell’s liability insurance rates are slightly higher than Georgia’s liability average of $156 per month.
Auto-Owners is the cheapest insurer for liability-only car insurance in Roswell, with an average rate of $78 per month.
Explore cheap liability-only car insurance quotes in Roswell below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $78 |
| State Farm | $83 |
| Country Financial | $84 |
| Allstate | $91 |
| Mile Auto | $98 |
| USAA | $98 |
| Progressive | $104 |
| Mercury | $136 |
| Root | $154 |
| Bristol West | $156 |
| GEICO | $156 |
| Clearcover | $163 |
| GAINSCO | $168 |
| Direct Auto | $169 |
| The General | $176 |
| AssuranceAmerica | $177 |
| National General | $190 |
| Safeco | $190 |
| Trexis One | $191 |
| Mendota | $200 |
| First Acceptance | $206 |
| Insurify Car | $206 |
| Trexis | $210 |
| Excepsure | $213 |
| Hugo | $290 |
| Liberty Mutual | $338 |
Get a quote and buy a policy in minutes. Pay for one week.
Full-coverage auto insurance is optional in Georgia, but it offers stronger financial protection. The average full-coverage rate in Roswell is $273 per month, which is slightly lower than the Georgia average of $259 per month.
Cheap insurers for full-coverage insurance in Roswell include Auto-Owners, State Farm, and Country Financial. Roswell drivers might want to consider full coverage if they live near one of the city’s flood-prone areas.
Explore the cheapest rates for full-coverage car insurance in Roswell below.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $138 |
| State Farm | $148 |
| Country Financial | $150 |
| Allstate | $162 |
| Mile Auto | $173 |
| USAA | $173 |
| Progressive | $210 |
| Mercury | $232 |
| Root | $235 |
| Safeco | $254 |
| AssuranceAmerica | $286 |
| GEICO | $288 |
| Direct Auto | $293 |
| Clearcover | $299 |
| National General | $302 |
| Bristol West | $307 |
| GAINSCO | $349 |
| Mendota | $368 |
| Trexis One | $368 |
| The General | $375 |
| Trexis | $405 |
| First Acceptance | $407 |
| Liberty Mutual | $411 |
While Roswell’s average liability rate is slightly higher than the Georgia average, its average full-coverage rate is slightly lower than the statewide average.
Rates in nearby Atlanta — Georgia’s largest city by population — are higher than in Roswell, with average monthly rates of $221 for liability coverage and $343 for full coverage.
Rates in nearby Alpharetta are slightly lower, averaging $163 per month for liability coverage and $243 for full coverage. Baxley, Dalton, and Blackshear offer some of the cheapest car insurance rates in Georgia.
The table below shows average monthly car insurance quotes in different Georgia cities.
City | Average Monthly Quote |
|---|---|
| La Fayette | $131 |
| Elberton | $137 |
| Hartwell | $141 |
| Chatsworth | $142 |
| Baxley | $143 |
| Chickamauga | $145 |
| Dalton | $145 |
| Valdosta | $145 |
| Rossville | $146 |
| Waycross | $146 |
| Tifton | $149 |
| Eastman | $150 |
| Moultrie | $150 |
| Ringgold | $150 |
| Toccoa | $150 |
| Brunswick | $152 |
| Kingsland | $155 |
| Blackshear | $156 |
| Douglas | $156 |
| Ellijay | $156 |
| Hazlehurst | $159 |
| Perry | $159 |
| Sylvania | $159 |
| Tunnel Hill | $161 |
| Jesup | $162 |
| Adairsville | $164 |
| Cleveland | $166 |
| Thomasville | $166 |
| Calhoun | $169 |
| Waynesboro | $169 |
| Dahlonega | $170 |
| Americus | $171 |
| Summerville | $171 |
| Thomson | $172 |
| Dawsonville | $173 |
| Eatonton | $173 |
| Jasper | $174 |
| Cedartown | $175 |
| Cordele | $176 |
| Athens | $177 |
| Commerce | $180 |
| Dublin | $181 |
| Grovetown | $181 |
| Peachtree City | $181 |
| Evans | $182 |
| Leesburg | $182 |
| Lula | $182 |
| Flowery Branch | $183 |
| Richmond Hill | $183 |
| Canton | $184 |
| Hinesville | $184 |
| Rome | $184 |
| Statesboro | $184 |
| Columbus | $187 |
| Franklin | $188 |
| Byron | $189 |
| Rincon | $189 |
| Sharpsburg | $189 |
| Albany | $190 |
| Hephzibah | $191 |
| Jefferson | $191 |
| Augusta | $192 |
| Gainesville | $192 |
| Cartersville | $193 |
| Fort Valley | $193 |
| Lagrange | $193 |
| Thomaston | $193 |
| Hull | $194 |
| Guyton | $195 |
| Tallapoosa | $195 |
| Rockmart | $196 |
| Warner Robins | $196 |
| Cumming | $197 |
| Hoschton | $198 |
| Carrollton | $199 |
| Montezuma | $199 |
| Newnan | $199 |
| Winder | $199 |
| Milledgeville | $200 |
| Alpharetta | $203 |
| Pooler | $204 |
| Acworth | $205 |
| Woodstock | $206 |
| Braselton | $208 |
| Barnesville | $210 |
| Bremen | $210 |
| Temple | $211 |
| Jackson | $213 |
| Monroe | $213 |
| Kennesaw | $216 |
| Port Wentworth | $218 |
| Villa Rica | $218 |
| Griffin | $221 |
| Savannah | $223 |
| Bethlehem | $226 |
| Buford | $227 |
| Fayetteville | $228 |
| Hiram | $229 |
| Auburn | $231 |
| Dallas | $234 |
| Marietta | $235 |
| Oxford | $235 |
| Smyrna | $235 |
| Dacula | $237 |
| Tucker | $237 |
| Locust Grove | $240 |
| Macon | $241 |
| Peachtree Corners | $242 |
| Lithia Springs | $246 |
| Suwanee | $247 |
| Mableton | $249 |
| Lawrenceville | $250 |
| Loganville | $252 |
| Douglasville | $253 |
| Duluth | $255 |
| Mcdonough | $255 |
| Norcross | $256 |
| Powder Springs | $257 |
| Grayson | $258 |
| Lilburn | $258 |
| Hampton | $266 |
| Stockbridge | $271 |
| Snellville | $273 |
| Conyers | $274 |
| Conley | $276 |
| Austell | $278 |
| Covington | $278 |
| Fairburn | $280 |
| Atlanta | $282 |
| Morrow | $285 |
| Jonesboro | $286 |
| Ellenwood | $293 |
| Union City | $294 |
| Rex | $297 |
| Forest Park | $300 |
| Riverdale | $306 |
| Stone Mountain | $323 |
| Decatur | $327 |
| Clarkston | $329 |
| Lithonia | $334 |
Auto insurance in Roswell might be elevated due to the city’s vehicle theft rate and flood risk.
Roswell has a high number of vehicle thefts compared to other Georgia cities, such as Savannah and Albany, according to Insurify data. Some parts of the city are in a floodplain, which can pose risks to drivers during heavy rainfall.
*Quotes generated for Insurify users in and around Roswell, Georgia within the last 10 days. Last updated on August 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Roswell, Georgia within the last 10 days. Last updated on August 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The car insurance quote you’ll get depends on your overall driving record, including any speeding, accidents, or driving under the influence (DUI). Explore the cheapest car insurance companies in Roswell by driving record below.
Cheapest car insurance for Roswell drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Roswell: Auto-Owners
Cheapest car insurance for Roswell drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Roswell: Auto-Owners
Drivers with an incident can find the most affordable car insurance in Roswell by shopping around — 3.69% of Roswell drivers have a speeding ticket, and 5.88% have been in a car accident, according to Insurify data.
Georgia’s impaired driving laws include penalties that vary in severity depending on the number of previous offenses. About 0.58% of Roswell drivers have had a DUI.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $221 |
| Speeding ticket | $277 |
| At-fault accident | $303 |
| DUI | $268 |
Roswell experiences a high amount of cut-through and commuter traffic, which, in addition to local traffic, leads to traffic congestion in the city. Roswell drivers should be aware of the flooding risk, which can increase the chances of vehicle damage and car accidents.
About 10% of Roswell lies within or near a floodplain. The city warns that localized flooding can occur when storm drains or channels become temporarily blocked during heavy rain.[3]
Since comprehensive insurance — not liability or collision coverage — generally pays for flood damage, Roswell drivers who live or regularly travel through flood-prone parts of the city may want to consider adding comprehensive coverage.
Roswell experiences ongoing traffic congestion, which the city identified as a transportation improvement priority in its 2023 Transportation Master Plan.[4] The city has projects planned to improve various roads, including Holcomb Bridge Road (state Route 140) and Alpharetta Highway (state Route 9). The mean commute time in Roswell is 26.9 minutes, which is slightly shorter than the average Georgia commute of 28.3 minutes.
Since congestion can increase the chance of car accidents, Roswell insurers may raise rates to compensate for the added risk.
Georgia’s Joshua’s Law requires 16- and 17-year-olds to complete driver education training to get a Class D license.[5]
Due to their limited driving experience, Roswell teens typically pay more for car insurance than adult drivers, with monthly averages of $154 for liability coverage.
Explore cheap Roswell car insurance for teen drivers below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $130 |
| Auto-Owners | $154 |
| State Farm | $157 |
| Allstate | $159 |
| USAA | $176 |
| Progressive | $182 |
| Mile Auto | $197 |
| Root | $226 |
| Mercury | $242 |
| Clearcover | $260 |
| Bristol West | $269 |
| GEICO | $276 |
| GAINSCO | $288 |
| The General | $311 |
| Direct Auto | $322 |
| Trexis One | $333 |
| Mendota | $349 |
| AssuranceAmerica | $358 |
| First Acceptance | $360 |
| Insurify Car | $360 |
| Trexis | $367 |
| National General | $368 |
| Excepsure | $372 |
| Safeco | $379 |
| Hugo | $506 |
| Liberty Mutual | $577 |
Liability policies average $169/mo.
In Roswell, more than 15% of the population is aged 65 and older, according to census data.
Senior drivers in their 60s living in Roswell pay a monthly average of $63 for liability-only insurance. Some of the cheapest insurers for senior drivers in Roswell are Auto-Owners and State Farm.
Explore cheap auto rates for Roswell seniors in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $63 |
| State Farm | $66 |
| Country Financial | $68 |
| Mile Auto | $78 |
| USAA | $81 |
| Allstate | $81 |
| Progressive | $93 |
| Mercury | $109 |
| GEICO | $126 |
| Bristol West | $132 |
| Direct Auto | $141 |
| AssuranceAmerica | $141 |
| Root | $144 |
| Clearcover | $146 |
| GAINSCO | $146 |
| National General | $152 |
| The General | $152 |
| Safeco | $168 |
| Trexis One | $170 |
| Mendota | $178 |
| First Acceptance | $184 |
| Insurify Car | $184 |
| Trexis | $187 |
| Excepsure | $190 |
| Hugo | $259 |
| Liberty Mutual | $285 |
Explore common questions and answers about Roswell car insurance below.
The average liability-only car insurance cost in Roswell is $169 per month. Full-coverage policies cost $273 per month, on average.
Auto-Owners has the cheapest car insurance in Georgia, with an average liability-only rate of $78 per month.
Many different factors affect car insurance quotes in Roswell, including your driving record, claims history, credit history, age, ZIP code, and vehicle type. Quotes also vary by insurance company.
You can get the best car insurance quotes in Roswell by comparing quotes from multiple insurers. Bundling your car insurance with your homeowners, renters insurance, and other insurance products may help you qualify for discounts. Additional savings may be possible with a good student discount or by increasing your deductible.
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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