Cheapest Auto Insurance in Valdosta, Georgia (2024)

Valdosta drivers can find quotes for liability-only car insurance as low as $40 from Hugo.

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Daria Kelly Uhlig
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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 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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Updated April 18, 2024

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Cheapest recent rates near Valdosta, Georgia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $69/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 April 18, 2024

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 April 18, 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 April 18, 2024

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 April 18, 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 $138 per month overall. This is much lower than the overall average in Georgia of $193 and slightly lower than the national overall average of $158. 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
  • Hugo, Auto-Owners, and State Farm have the cheapest rates in Valdosta.

  • Valdosta drivers pay an average of $107 per month for liability coverage and $169 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$95$66Senior drivers
State Farm4.5$102$70Drivers with an incident
COUNTRY Financial4.2$104$71Teen 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best for senior drivers: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$68/mo

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).

Pros
  • Policies sold through local agents

  • Mutual insurance company owned by policyholders

Cons
  • Rideshare insurance not available

  • Customers must file claims over the phone

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best for drivers with an incident: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$50/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.
$73/mo

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

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best for teen drivers: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$51/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.
$74/mo

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)

Read our Country Financial review
Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

Margaret - March 26, 2024
Verified

Fair

Every year, they raise my car or home insurance. I'm looking for a better deal.

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: Hugo

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 $107 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo40
Auto-Owners47
State Farm50
COUNTRY Financial51
Allstate55
Mile Auto55
USAA59
Progressive68
Safeco74
Mercury78
GEICO81
State Auto81
Clearcover83
National General95
Liberty Mutual96
AssuranceAmerica97
Elephant99
Direct Auto101
GAINSCO109
Midvale Home & Auto119
Nationwide121
Infinity137
The General151
Bristol West167
Foremost180
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: Hugo

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 $169 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo45
Auto-Owners68
State Farm73
COUNTRY Financial74
Allstate80
USAA85
Mile Auto88
Progressive109
Travelers111
GEICO118
Mercury127
Safeco128
Elephant139
State Auto147
Clearcover149
AssuranceAmerica165
Midvale Home & Auto165
Liberty Mutual166
Direct Auto170
Nationwide173
National General196
Foremost213
GAINSCO221
Infinity246
The General252
Bristol West317
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.

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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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This covers damage to your car if you have an accident or hit an object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    If a non-collision incident causes damage to your vehicle, this coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist

    This protects you if an uninsured driver injures you or causes damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    This pays to repair or replace damaged windows, including the windshield, with no deductible.

Learn More: Vehicle Inspection Requirements by State

Learn More: Vehicle Inspection Requirements by State

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

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Cheapest car insurance for drivers with a speeding ticket: Hugo

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 $244 per month for full coverage and $155 for liability only.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo4057
Auto-Owners4763
State Farm5064
COUNTRY Financial5167
Allstate5571
Mile Auto5579
USAA5976
Progressive6892
Safeco74104
Mercury78116
GEICO81105
Clearcover83116
National General95124
Liberty Mutual96134
AssuranceAmerica97134
Elephant99129
Direct Auto101135
GAINSCO109138
Nationwide121158
Infinity137183
The General151203
Bristol West167220
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: Hugo

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 $255 per month for full coverage and $161 for liability only.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo4055
Auto-Owners4765
State Farm5068
COUNTRY Financial5173
Allstate5575
Mile Auto5584
USAA5981
Progressive6897
Safeco74110
Mercury78122
GEICO81111
Clearcover83135
National General95133
Liberty Mutual96141
AssuranceAmerica97138
Elephant99137
Direct Auto101143
GAINSCO109147
Nationwide121167
Infinity137180
The General151214
Bristol West167229
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: Hugo

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 $289 per month for full coverage and $183 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo4060
Auto-Owners4777
State Farm5081
COUNTRY Financial5183
Allstate5590
Mile Auto5593
USAA5996
Progressive68111
Safeco74121
Mercury78130
GEICO81132
Clearcover83135
National General95155
Liberty Mutual96156
AssuranceAmerica97158
Elephant99161
Direct Auto101165
GAINSCO109178
Nationwide121197
Infinity137223
The General151246
Bristol West167272
Foremost180293
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.
Check Out: How Long Does a DUI Stay on Your Record?

Check Out: How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: Auto-Owners

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 $131 per month for full coverage and $83 for liability only.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners2841
State Farm2942
COUNTRY Financial3145
Progressive3455
Allstate3551
Mile Auto3555
USAA3855
GEICO5073
Mercury5589
Safeco5596
AssuranceAmerica5797
Direct Auto63106
Liberty Mutual63109
Elephant6489
Nationwide6796
National General68139
Clearcover74132
GAINSCO81165
The General106177
Bristol West109208
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: Hugo

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 $302 per month for full coverage and $191 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: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo7281
COUNTRY Financial73105
Auto-Owners79114
State Farm86126
Allstate97141
USAA98141
Mile Auto106170
Progressive123196
GEICO128187
Safeco133229
Mercury144234
Clearcover149267
Liberty Mutual163281
Elephant164231
National General181374
Direct Auto185311
AssuranceAmerica187318
GAINSCO196397
Nationwide208297
Infinity231415
The General243405
Bristol West279529
Foremost323382
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

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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 $193 per month for car insurance, but Valdosta drivers pay $138 per month. On average, drivers in the city pay $107 per month for liability and $169 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 $169 per month for full-coverage insurance. See how that compares to the cities below.

CityLiability OnlyFull Coverage
Alpharetta$162$207
Athens$133$223
Atlanta$204$257
Columbus$137$230
Marietta$159$223
Savannah$178$265
Warner Robins$145$233
Woodstock$150$230
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.
Keep Reading: Rideshare Insurance in Georgia

Keep Reading: Rideshare Insurance in Georgia

Valdosta car insurance FAQs

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 $138 per month for car insurance. Drivers pay $107 for liability and $169 for full-coverage insurance. The statewide average for car insurance is $193 per month ($146 for liability and $240 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?

    Hugo has the cheapest car insurance in Valdosta, with a monthly liability-only rate of $40. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $47 and $50 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 4.5, 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 4.0 and 4.2, 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.

Insurify Insights

How Valdosta Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Valdosta, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Valdosta drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Valdosta

#66

City with the Most Speeding Tickets Rank in Georgia

#94

City with the Most Moving Violations Rank in Georgia

#82

City with the Most DUIs Rank in Georgia

#80

City with the Most Suspended Licenses in Georgia

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Valdosta drivers rank 120 in the number of car accidents per driver across all cities in Georgia.

    • Rank within state: #120
    • Percent of drivers in Valdosta with an accident: 10%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Valdosta drivers rank 82 in the number of DUI’s per driver across all cities in Georgia.

    • Rank within state: #82
    • Percent of drivers in Valdosta with a DUI: 1.3%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Valdosta drivers rank 130 in the number of reckless driving offenses per driver.

    • Rank within state: #130
    • Percent of drivers in Valdosta with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Valdosta drivers rank 134 in rude driving infractions.

    • Rank within state: #134
    • Percent of drivers in Valdosta with a reckless driving violation: 2.1%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Valdosta drivers rank 66 in the number of speeding infractions per driver.

    • Rank within state: #66
    • Percent of drivers in Valdosta with a speeding ticket: 11.3%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Valdosta drivers rank 131 in clean driving records across all cities in Georgia.

    • Rank within state: #131
    • Percent of drivers in Valdosta with clean record: 76.5%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Valdosta drivers rank 144 in hybrid and electric vehicle ownership across all cities in Georgia.

    • Rank within state: #144
    • Percent of drivers in Valdosta with a hybrid/electric vehicle: 0.44%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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.

Sources

  1. Georgia Department of Banking and Finance. "Credit Reporting and Credit Scores."
  2. Insurance Information Institute. "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists."
  3. National Association of Insurance Commissioners. "Market Share Reports for Property/Casualty Groups and Companies."
  4. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  6. Georgia Office of Commissioner of Insurance and Safety Fire. "Auto Insurance."
  7. NOLO. "Georgia Car Insurance Requirements."
  8. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  9. Centers for Disease Control and Prevention. "Older Adult Drivers."
Daria Kelly Uhlig
Daria Kelly Uhlig

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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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