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Cheapest recent rates near Valdosta, Georgia
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $60/mo for full coverage in Valdosta and other Georgia cities.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Valdosta, Georgia, can find the best auto insurance rates with Hugo, Auto-Owners, State Farm, and COUNTRY Financial. On average, car insurance in Valdosta costs $148 per month overall. This is much lower than the overall average in Georgia of $198 and slightly lower than the national overall average of $153. It’s possible that the relatively small population of the city (around 55,000) contributes to these lower rates. Fewer people means fewer accidents on the road.
Insurance companies determine your auto premium based on the coverage amount and type you choose, as well as your driving record, age, marital status, vehicle type, and more. You have a number of quality options available in Valdosta, and you can find the one for you by comparing car insurance quotes.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial have the cheapest rates in Valdosta.
Valdosta drivers pay an average of $113 per month for liability coverage and $183 for full coverage.[1]
Around 12.4% of drivers in Georgia — or roughly 1 in 8 — are uninsured.[2]
3 of the cheapest car insurance companies in Valdosta
The cheapest car insurance option for another driver may not offer the best rates for you. Premiums can vary widely from one person to the next because of unique driver situations and coverage needs. It’s important to tailor your search to your age, driving record, and other factors that affect premiums.
Valdosta residents have plenty of different companies to choose from for a liability or full-coverage policy. The following insurers offer quality coverage at an affordable price.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Auto-Owners
8.5
$93
$58
Senior drivers
State Farm
9.3
$100
$63
Drivers with an incident
COUNTRY Financial
8.8
$101
$63
Teen drivers
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 55,000 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.
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.
$43/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.
$70/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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
Founded in Michigan in 1926, Auto-Owners is one of America’s largest property and casualty insurance companies by market share.[3] The company serves nearly 3 million customers who purchase policies through local agents. Auto-Owners earned an AM Best financial strength rating of A++ (Superior).
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.
$46/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.
$75/mo
4.2
Best choiceBased on 9,243 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 (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
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
The largest insurance company in the U.S. by market share, State Farm sells a number of insurance products, including auto, renters, homeowners, and life insurance. The company earned an AM Best financial strength rating of A++ (Superior).
Pros
Mutual insurance company owned by policyholders
Savings of up to 23% possible via bundling discounts
Cons
Gap insurance not available
Some negative Better Business Bureau (BBB) customer reviews
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.
$47/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.
$75/mo
3.6
A solid optionBased on 41 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (28)
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
Antonio
December 14, 2024
Verified Review
Car and Home Insurance
They have become expensive now.
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2
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
Originally founded by farmers, COUNTRY Financial has been in business for more than 95 years. Though a fairly small company, COUNTRY Financial has agents serving customers throughout 19 states, including 50 agents in Valdosta. The company earned an AM Best financial strength rating of A+ (Superior).
Pros
Full-service financial services company
Limited number of available discounts
Cons
Rideshare insurance not available
Customer service unavailable on Sundays (except for claims)
How to get the cheapest car insurance in Valdosta
Before you start shopping for the best price for car insurance, you should evaluate your specific coverage needs. For example, liability and full-coverage insurance differ in coverage level and price significantly, so you should only pay for what you need.
Next, shop around to find the cheapest coverage. Drivers earn different rates in Valdosta depending on their driver profile, but finding low rates from an insurance company can save you a lot of money on annual premiums.
You can also earn cheaper rates through the following ways:[4]
Select a higher deductible.
Bundle policies with the same insurer.
Improve your credit to improve your insurance score.
Use discounts available through your employer, professional organization, or other group.
Research discounts you may qualify for, such as a safe driver discount.
Cheapest liability-only car insurance in Valdosta: Auto-Owners
Liability insurance only covers costs related to any damage and injury you cause other drivers and their passengers.[5] Liability-only policies in Valdosta cost $113 per month, on average. Here’s how much you can expect to pay for liability coverage in Valdosta.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$43
State Farm
$46
COUNTRY Financial
$47
Allstate
$51
USAA
$55
Mile Auto
$57
Progressive
$68
Safeco
$73
GEICO
$75
Mercury
$82
Clearcover
$96
Liberty Mutual
$106
Nationwide
$112
Direct Auto
$113
GAINSCO
$119
AssuranceAmerica
$127
National General
$137
Infinity
$164
The General
$164
Bristol West
$165
Foremost
$186
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 Valdosta: Auto-Owners
Full-coverage insurance includes liability, collision, and comprehensive coverage. Collison insurance covers your vehicle damage following a collision with another vehicle or object, regardless of fault. Comprehensive coverage pays for damages from a non-collision incident, like severe weather, vandalism, or fire. Drivers in Valdosta pay an average of $183 per month for full-coverage insurance.
Here’s what you can expect to pay for full coverage in Valdosta.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$70
COUNTRY Financial
$75
State Farm
$75
Allstate
$81
USAA
$87
Mile Auto
$96
Safeco
$114
GEICO
$121
Progressive
$121
Mercury
$135
Clearcover
$173
Nationwide
$181
Liberty Mutual
$188
Direct Auto
$193
National General
$206
AssuranceAmerica
$215
GAINSCO
$235
Foremost
$241
The General
$280
Infinity
$293
Bristol West
$313
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 Valdosta, Georgia
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $60/mo for full coverage in Valdosta and other Georgia cities.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia, like most states, has minimum coverage requirements that drivers must adhere to. Specifically, drivers in the state need a minimum of bodily injury and property damage liability.[6]
Because Georgia is an at-fault state, the responsible driver’s liability insurance covers damages resulting from a crash or other incident.[7]
Required liability coverage in Georgia includes the following:
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person $50,000 per accident
Property damage liability
$25,000 per accident
Drivers have the option of adding additional coverage for more protection, such as:
Collision
This covers damage to your car if you have an accident or hit an object.
Comprehensive
If a non-collision incident causes damage to your vehicle, this coverage kicks in.
Uninsured motorist
This protects you if an uninsured driver injures you or causes damage to your vehicle.
Glass coverage
This pays to repair or replace damaged windows, including the windshield, with no deductible.
Cheapest car insurance for drivers with an incident
Your risk level determines car insurance rates, so people who are more likely to file a claim may pay more for an auto insurance policy. Insurance companies evaluate risk by looking at many factors, including incidents like at-fault accidents, speeding tickets, driving under the influence, and other moving violations.[8] Any of these incidents can increase rates when your policy renews.
Find Cheap Car Insurance in Valdosta, GA
Monthly rates start at $54 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Tickets show up on your motor vehicle record, which your insurer reviews periodically. Because speeding is a risky driving behavior that puts you at greater risk of having an accident, having a ticket on your record could make you lose any good-driver discounts you may have earned. Two or more tickets within a three-year period will likely increase your rate.
The average cost of car insurance for drivers with a speeding ticket in Valdosta is $254 per month for full coverage and $157 for liability only.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$43
$56
State Farm
$46
$59
COUNTRY Financial
$47
$63
Allstate
$51
$66
USAA
$55
$71
Mile Auto
$57
$74
Progressive
$68
$87
Safeco
$73
$96
GEICO
$75
$97
Mercury
$82
$114
Clearcover
$96
$125
Liberty Mutual
$106
$147
Nationwide
$112
$146
Direct Auto
$113
$146
GAINSCO
$119
$165
AssuranceAmerica
$127
$163
National General
$137
$178
Infinity
$164
$219
The General
$164
$217
Bristol West
$165
$215
Foremost
$186
$259
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: Auto-Owners
Any accident can increase your insurance rate, but an accident you cause will likely result in a significant increase in insurance prices — unless it causes minimal damage or you have accident forgiveness. A serious or total loss can significantly increase your car insurance bills. Though your insurer won’t penalize you forever, it could take a few years before your insurer stops factoring an accident into your premium.
In Valdosta, the average cost of car insurance for drivers with an accident is $270 per month for full coverage and $167 for liability only.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$43
$60
State Farm
$46
$63
COUNTRY Financial
$47
$67
Allstate
$51
$70
USAA
$55
$76
Mile Auto
$57
$80
Progressive
$68
$95
Safeco
$73
$100
GEICO
$75
$103
Mercury
$82
$121
Clearcover
$96
$142
Liberty Mutual
$106
$155
Nationwide
$112
$155
Direct Auto
$113
$159
GAINSCO
$119
$157
AssuranceAmerica
$127
$170
National General
$137
$188
Infinity
$164
$221
The General
$164
$230
Bristol West
$165
$227
Foremost
$186
$272
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: Auto-Owners
Due to the severity of the offense, a DUI conviction likely has the greatest effect on your insurance rates of all driving incidents. Even if your insurer doesn’t cancel your coverage, a DUI conviction will most likely significantly increase your auto premium. Valdosta drivers can expect to pay an average of $307 per month for full coverage and $190 for liability after a DUI conviction.
After a DUI in Georgia, you need to file an SR-22 form for at least three years. And your DUI won’t drop off your record for 10 years.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$43
$72
State Farm
$46
$77
COUNTRY Financial
$47
$78
Allstate
$51
$85
USAA
$55
$91
Mile Auto
$57
$95
Progressive
$68
$113
Safeco
$73
$109
GEICO
$75
$125
Mercury
$82
$127
Clearcover
$96
$160
Liberty Mutual
$106
$176
Nationwide
$112
$186
Direct Auto
$113
$188
GAINSCO
$119
$198
AssuranceAmerica
$127
$211
National General
$137
$228
Infinity
$164
$273
The General
$164
$273
Bristol West
$165
$274
Foremost
$186
$309
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.
Though senior drivers typically have lots of experience behind the wheel, aging can cause physical changes that make driving less safe — including effects on vision and memory. And drivers older than 70 have higher crash death rates than middle-aged drivers.[9] That increased risk results in seniors paying slightly more for their insurance, on average.
The average cost of car insurance for senior drivers in Valdosta is $143 per month for full coverage and $88 for liability only.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$26
$42
State Farm
$27
$43
COUNTRY Financial
$29
$46
Allstate
$33
$52
Mile Auto
$34
$57
Progressive
$35
$62
USAA
$36
$57
GEICO
$47
$76
Mercury
$55
$90
Safeco
$55
$86
Nationwide
$62
$100
Direct Auto
$70
$119
Liberty Mutual
$73
$130
Clearcover
$76
$136
AssuranceAmerica
$80
$136
National General
$83
$125
GAINSCO
$90
$178
Infinity
$102
$182
Bristol West
$108
$205
The General
$111
$189
Foremost
$124
$161
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: COUNTRY Financial
Teenagers face the highest car insurance rates due to a lack of experience driving, a greater likelihood of risky behavior, and high crash rates. Teen drivers in Valdosta pay an average of $364 per month for full coverage and $225 for liability only.
But if you’re a teen driver, you can save on your premiums in a few different ways, including:
Staying on your parents’ policy instead of getting your own
Driving an inexpensive car
Qualifying for a good-student discount
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
COUNTRY Financial
$74
$119
Auto-Owners
$78
$128
State Farm
$86
$140
Allstate
$99
$157
USAA
$101
$159
Mile Auto
$119
$200
Progressive
$129
$230
GEICO
$131
$212
Safeco
$150
$234
Mercury
$157
$258
Clearcover
$190
$343
Liberty Mutual
$197
$349
Nationwide
$213
$344
GAINSCO
$222
$439
Direct Auto
$224
$382
AssuranceAmerica
$252
$426
The General
$284
$486
National General
$290
$436
Bristol West
$302
$573
Infinity
$318
$569
Foremost
$358
$464
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.
Find Cheap Car Insurance in Valdosta, GA
Check quotes from 100+ top insurance companies
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Valdosta car insurance quotes by credit tier
Insurance companies factor credit into insurance rates because people with poor credit have been shown to file more claims than drivers with good or excellent credit. Insurers use your credit history to calculate an insurance score, which helps predict insurance losses.
Each insurance company uses its own method in the insurance score calculation. As you can see from the chart below, your credit can affect your insurance rates.
The averages by credit tier are for full-coverage insurance in Valdosta.
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 Valdosta?
Car insurance costs much less in Valdosta than the state average. Statewide, Georgians pay $198 per month for car insurance, but Valdosta drivers pay $148 per month. On average, drivers in the city pay $113 per month for liability and $183 for full-coverage car insurance.
The city and ZIP code you live in can influence your insurance rates. Drivers in urban neighborhoods, for example, typically pay more because of more accidents and higher crime rates. Valdosta has a relatively small population compared to larger Georgia cities, like Atlanta. The number of weather-related claims in a particular area can also affect rates.
More cities in Georgia
Valdosta drivers earn some of the lowest rates in Georgia — at least compared to several of the most populated cities. On average, Valdosta drivers pay $183 per month for full-coverage insurance. See how that compares to the cities below.
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.
If you still have questions about finding car insurance in Valdosta, the information below should help you navigate the decision-making process.
How much is car insurance in Valdosta?
On average, Valdosta drivers pay $148 per month for car insurance. Drivers pay $113 for liability and $183 for full-coverage insurance. The statewide average for car insurance is $198 per month ($152 for liability and $244 for full coverage). Your specific rate will depend on your driving record, credit history, age, and more.
Which companies have the cheapest car insurance in Valdosta?
Auto-Owners has the cheapest car insurance in Valdosta, with a monthly liability-only rate of $43. Other affordable insurers include State Farm and COUNTRY Financial, with liability rates of $46 and $47 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your location, age, gender, driving history, and vehicle.
What are the best car insurance companies in Valdosta?
State Farm is the best car insurance company in Valdosta, due to its IQ Score of 9.3, an AM Best financial strength rating of A++ (Superior), and affordable coverage options. Other top insurers include Auto-Owners and Allstate — with IQ Scores of 8.5 and 8.9, respectively.
Is Georgia a no-fault state?
No. Georgia is an at-fault state. This means drivers who cause an accident must cover the costs of the damage and injuries they cause — typically through their auto insurer.
How much car insurance do you need in Georgia?
Georgia drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You may decide you want additional coverage to protect you and your vehicle.
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.
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Daria has been a contributor at Insurify since October 2022.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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