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7+ years in personal finance writing
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Licensed property and casualty insurance agent
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The average cost of car insurance in Smyrna, Georgia, is $178 per month for state-minimum car insurance and $292 per month for a full-coverage policy, according to Insurify data.
Rates in Smyrna are lower than in the larger metro area of Atlanta but on par with rates in the nearby suburb of Marietta.
Smyrna has a lower population density than Atlanta. Having fewer drivers on the road generally leads to a lower likelihood of accidents and fewer insurance claims.
Smyrna’s average liability-only rate of $178 per month is higher than the statewide average of $157 and the national average of $98.
Minimum liability requirements in Georgia include $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 per accident in property damage liability.[1]
The following table shows the cheapest liability car insurance rates in Smyrna.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $82 |
| State Farm | $88 |
| Country Financial | $89 |
| Allstate | $97 |
| Mile Auto | $104 |
| USAA | $104 |
| Progressive | $111 |
| Mercury | $145 |
| Root | $164 |
| Bristol West | $166 |
| GEICO | $166 |
| Clearcover | $173 |
| GAINSCO | $179 |
| Direct Auto | $180 |
| The General | $188 |
| AssuranceAmerica | $189 |
| National General | $202 |
| Safeco | $202 |
| Trexis One | $203 |
| Mendota | $212 |
| First Acceptance | $219 |
| Insurify Car | $219 |
| Trexis | $224 |
| Excepsure | $226 |
| Hugo | $308 |
| Liberty Mutual | $359 |
Minimum-coverage rates start as low as $82/mo. in Smyrna
Auto-Owners offers the cheapest full-coverage car insurance in Smyrna, with an average rate of $147 per month.
Deer cause thousands of car crashes each year in Georgia.[2] More deer are on the road during mating season, which runs from October to late December. Hitting a deer can result in major damage to your vehicle. A full-coverage policy can help pay to repair or replace your car.
The table below shows the cheapest rates for full-coverage car insurance in Smyrna.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $147 |
| State Farm | $157 |
| Country Financial | $159 |
| Allstate | $172 |
| Mile Auto | $184 |
| USAA | $184 |
| Progressive | $224 |
| Mercury | $246 |
| Root | $250 |
| Safeco | $270 |
| AssuranceAmerica | $304 |
| GEICO | $306 |
| Direct Auto | $312 |
| Clearcover | $317 |
| National General | $321 |
| Bristol West | $327 |
| GAINSCO | $371 |
| Mendota | $391 |
| Trexis One | $391 |
| The General | $399 |
| Trexis | $430 |
| First Acceptance | $433 |
| Liberty Mutual | $437 |
Located in the core of Atlanta’s metro area, Decatur has some of the most expensive average rates in the state, at $327 per month. The city of Dalton has some of the cheapest average rates, at $145 per month.
While Smyrna’s rates are more expensive than many rural cities in North and South Georgia, it has more affordable rates than some of the larger urban cities with higher population densities, including Atlanta and Macon.
Smyrna’s location near three interstate and intrastate highway systems, including I-75, I-20, and I-285, makes it a key connector within the Atlanta metro area and a hub for travel.[3]
Smyrna has a longer average commute time compared to the state of Georgia and a higher population density, according to U.S. Census data. These factors can help explain why Smyrna’s insurance rates are higher than the state average.
The table below shows the average monthly quotes for different cities in Georgia.
City | Average Monthly Quote |
|---|---|
| Albany | $190 |
| Alpharetta | $203 |
| Athens | $177 |
| Atlanta | $282 |
| Augusta | $192 |
| Columbus | $187 |
| Dallas | $234 |
| Dalton | $145 |
| Decatur | $327 |
| Gainesville | $192 |
| Lawrenceville | $250 |
| Macon | $241 |
| Marietta | $235 |
| Savannah | $223 |
| Smyrna | $235 |
| Valdosta | $145 |
| Warner Robins | $196 |
| Woodstock | $206 |
Located about 10 miles northwest of Atlanta, Smyrna is part of the larger Atlanta-Sandy Springs-Roswell County. This area is the ninth-largest metro in the country in terms of total number of commuters traveling to work every day. It ranks fifth in average commute time in the nation.[4]
More drivers are on the road for longer lead to more congestion and potential for accidents, which can drive up the average cost of car insurance.
*Quotes generated for Insurify users in and around Smyrna, Georgia within the last 10 days. Last updated on August 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Smyrna, Georgia within the last 10 days. Last updated on August 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurers look at your driving record when determining the cost of your auto insurance premiums.
A clean driving history can result in lower rates, while a history of speeding tickets, at-fault accidents, or a conviction for driving under the influence can increase your premiums.
Here’s a list of the cheapest car insurance companies for people with different driving records in Smyrna.
Cheapest car insurance for Smyrna drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Smyrna: Auto-Owners
Cheapest car insurance for Smyrna drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Smyrna: Auto-Owners
More than 6% of Smyrna drivers have an at-fault accident on their record, according to Insurify data. Since Georgia is an at-fault state, the driver who causes the accident is responsible for paying the damages. They will file a claim with their insurance company to cover the costs.
The following table shows the average monthly quotes for Smyrna drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $235 |
| Speeding ticket | $294 |
| At-fault accident | $321 |
| DUI | $287 |
From Smyrna, it’s easy to access many of Georgia’s attractions, like Truist Park, the Georgia Aquarium, and Silver Comet Trail. The city is located near three interstate and intrastate highway systems and has several principal roadways passing through it, including Cobb Parkway, Atlanta Road, and South Cobb Drive.[5]
Summer traffic may get busy on I-285 as tourists and local families make their way to the nearby Six Flags Over Georgia amusement park. Consider collision coverage to protect your vehicle if the busy commute leads to a crash.
Stormwater can lead to flooding in Smyrna. This is mainly an issue in areas where water doesn’t filter into the ground, like parking lots, roads, and building rooftops. The city has developed a Stormwater Management Program to address issues related to the stormwater system.[6]
Purchasing comprehensive insurance can help cover the cost to repair your car if it’s damaged by flooding due to stormwater.
The average commute time in Cobb County, where Smyrna is located, is just over 31 minutes, slightly higher than the Georgia average and 20% higher than the national average.[7] While the majority of commuters drive to work alone, public transportation is available through the Cobb Transit Service.
Smyrna’s location just northwest of Atlanta places it at the intersection of several of the region’s busiest roadways, including I-285 and I-75. On Atlanta Braves game day, the interchange of I-75 and I-285 can get quite busy as fans make their way to Truist Park.
A high population density can lead to more drivers on the road and an increased likelihood of crashes. This can cause insurance premiums to rise.
In Smyrna, teens can apply for their learner’s permit at 15 years old. At 16, teens can apply for their provisional license, and at 18, they can get their full, unrestricted Class C driver’s license.
Drivers between 15 and 18 must follow Georgia’s graduated licensing program, which has restrictions around when they can drive and who they can drive with.[8]
Smyrna teens pay monthly averages of $309 for liability policies and $507 for full-coverage policies.
The following table shows the cheapest rates for teenage drivers in Smyrna.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $138 |
| Auto-Owners | $162 |
| State Farm | $166 |
| Allstate | $186 |
| USAA | $187 |
| Progressive | $193 |
| Mile Auto | $209 |
| Root | $241 |
| Mercury | $258 |
| Clearcover | $277 |
| Bristol West | $287 |
| GEICO | $293 |
| GAINSCO | $308 |
| The General | $331 |
| Direct Auto | $343 |
| Trexis One | $353 |
| Mendota | $368 |
| First Acceptance | $380 |
| Insurify Car | $380 |
| AssuranceAmerica | $383 |
| Trexis | $389 |
| Excepsure | $392 |
| National General | $393 |
| Safeco | $401 |
| Hugo | $535 |
| Liberty Mutual | $612 |
Compare quotes from multiple top insurers in minutes
With charming neighborhoods, access to tennis courts and golf clubs, warm summers, and moderate winters, Smyrna makes a nice place to retire. Many seniors call Smyrna home, with 16% of the population aged 60 years and older, according to U.S. Census data.
Senior drivers in Smyrna pay an average of $159 per month for liability coverage and $261 for full coverage.
The data below shows the cheapest rates for senior drivers in Smyrna.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $66 |
| State Farm | $70 |
| Country Financial | $72 |
| Allstate | $80 |
| Mile Auto | $83 |
| USAA | $86 |
| Progressive | $99 |
| Mercury | $117 |
| GEICO | $134 |
| Bristol West | $141 |
| Direct Auto | $150 |
| AssuranceAmerica | $151 |
| Root | $153 |
| Clearcover | $155 |
| GAINSCO | $156 |
| National General | $162 |
| The General | $163 |
| Safeco | $179 |
| Trexis One | $181 |
| Mendota | $189 |
| First Acceptance | $196 |
| Insurify Car | $196 |
| Trexis | $200 |
| Excepsure | $202 |
| Hugo | $275 |
| Liberty Mutual | $304 |
To help you find the best auto insurance coverage, here’s more information about car insurance in Smyrna.
The average cost of car insurance in Smyrna is $178 per month for state-minimum liability insurance and $292 per month for a full-coverage policy, according to Insurify data.
Auto-Owners has the cheapest car insurance in Smyrna, with an average rate of $82 per month for liability coverage.
To find cheap car insurance in Smyrna, compare quotes from multiple insurance companies. Consider increasing your deductible and looking for discounts.
Bundling your auto coverage with home insurance, renters insurance, life insurance, or business insurance can help you save on your premiums. Maintaining a clean driving record and good credit score can also help lower your insurance premiums.
Severe weather risks, like thunderstorms, hail, or a possible tornado, can increase the risk of damage to your vehicle. As risk increases, so does the cost of insurance premiums.
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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7+ years in personal finance writing
Certified Financial Education Instructor
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
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
