Cheap Auto Insurance Quotes in Valdosta, GA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

From its humble beginnings as just another train stop in South Georgia, Valdosta is now a city of over 56,000 and a top travel destination off of I-75. Enjoying this part of the Peach State from the road is much easier when you know that your auto insurance needs are taken care of.

Valdosta is now visited by more than just rail passengers and hosts a wide array of festivals featuring everything from flowers to film. While driving to Valdosta is an exciting prospect for many, a successful trip should always include having the right auto insurance policy in place.

Car Insurance in Valdosta, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Valdosta, GA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Valdosta, GA

Here are the cheapest carriers in Valdosta for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Valdosta, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Valdosta. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Valdosta, GA Driving Facts

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Valdosta Car Insurance Rates by Driver Age

Car insurance rates can be a bit unpredictable in Valdosta, as prices can fluctuate up and down based on your age. Teen drivers pay the most, with rates that near $500 on average, yet prices are often brought down to $278 once a driver turns 20. The city’s lowest rate of $160 is awarded to motorists in their 60s, as experience behind the wheel and quick reaction times are the best combination for safety on the road.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$209
Speeding Ticket$265
At-Fault Accident$286
Failure to Stop for Red Light / Stop Sign$220

Valdosta Car Insurance Rates by Driving and Accident History

An at-fault accident in Valdosta costs more than you’d think, as car repairs are only part of the equation. Drivers find they pay an average of $285 after this incident is added to their driving history compared to the $208 they would pay with a clean record. Failing to stop at an intersection changes premiums to roughly $219, while a speeding ticket adds just over $50 to Valdosta’s lowest driving premiums.

Valdosta Car Insurance Rates by Credit Tier

Most of Valdosta’s drivers have average credit and pay around $216 for their car insurance coverage. Drivers with poor credit are charged roughly $12 more. Those with excellent credit save the most on their premiums, with rates that average $188, demonstrating that good credit pays off in a number of ways.

Credit TieAvg. Monthly Cost

Valdosta, GA DMV Information

The Georgia Department of Driver Services is in charge of DMV services in the state. Whether running a DMV errand in town or trying to get something done from another part of the state, Valdosta residents can check everything off their to-do list at one of the DMV’s many locations. The Valdosta office is located at 371 Gil Harbin Industrial Blvd. and is open from 8 a.m. to 6 p.m. Monday through Friday. Are you always on the go or simply don’t look forward to standing in line? Valdosta residents also have access to many DMV services online or through the state’s mobile app.

Public Transportation in Valdosta, GA

There’s currently no public transit system in this 36.2-square-mile town, so most people rely on their own modes of transportation. On-demand ride services are in the city’s plans, however, and should alleviate the stress undoubtedly felt by residents who find themselves without a ride when they least expect it. There is a shuttle service on campus for Valdosta State University students to get them to and from classes. Note to all you transplants used to bigger, more expensive cities—public parking in this city is free. Though you won’t see official bikesharing services here yet, cycling enthusiasts might be interested in browsing the city’s future plans for making Azalea City more bike and pedestrian-friendly.

Conclusion: How to get the best and cheapest car insurance in Valdosta, GA

A humble city no more, Valdosta knows how to put on a good party and plan several signature events each year. And lower insurance gives drivers yet another reason to celebrate.

The Azalea Festival and South Georgia Film Festival are just two good reasons to visit Valdosta. Need a reason to switch insurance coverage? There are cheaper rates out there! Find your best rates—and your best reason for switching insurance companies—with Insurify.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Valdosta stacks up for the state of Georgia:

Nissan Altima
Most Popular Car in
Valdosta, GA
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Valdosta, GA Car Insurance

Can my license be suspended for speeding in Georgia?

If you drive 75 mph or more on a two-lane road or highway or 85 mph or more on any road or highway, you’ll have to pay a $200 Super Speeder fee. If you pay the fee on time, you’re in the clear; however, failing to pay within 120 days is cause for license suspension in Georgia. This applies to out-of-state drivers as well.

How do points on my record affect me in Georgia?

When you make certain traffic mistakes, points are added to your driving record. These points can easily cause your auto insurance rates to go up at renewal time. Having too many points on your record could eventually lead to you losing your license for a while. Georgia driver's licenses are suspended for anyone who accumulates 15 or more points within 24 months;,anyone under age 18 who accumulates 4 points within 12 months, and anyone under age 21 who is convicted of a 4-point violation.

I’m not sure if my license is still suspended. How can I check it?

You can check the status of your driver’s license online by using their free mobile app, DDS 2 Go, or the Georgia DMV website. You’ll need to have your driver’s license number handy. You can also call 1 (404) 657-9300.