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Cheap Auto Insurance Quotes in Valdosta, GA (January 2022)

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Last Updated: January 2022

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.

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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.
ProgressiveAllstateTravelersThe GeneralNationwide

Cheapest Car Insurance in Valdosta, GA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies 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.

Driving History
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.

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.

Find local Valdosta agents

Valdosta Insurance Services, Inc.
812 Northwood Park Dr, Valdosta, GA 31602-1398
Robinson Agency, Inc.
Star Insurance
1921 Baytree Place, Valdosta, GA 31601-4352
Tatum Insurance Agency
2502 C Jerry Jones Dr, Valdosta, GA 31602
Tillman Insurance Agency, Inc.
3964 Old US 41 N, Valdosta, GA 31602
Patel Commercial Insurance Agency LLC
4048 Northlake dr, Valdosta, GA 31602
Blanton and Griffin Insurance
2314 N Patterson St, Valdosta, GA 31602-2511
Title Town Insurance
1616 - E Norman Dr , Valdosta, GA 31601-3503
Brooker Insurance Agency
1808 Jerry Jones Dr, Valdosta, GA 31602
Southern Insurance
2315 N Ashley St, Valdosta, GA 31602

Insurify Insights: How Valdosta Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Valdosta drivers measure up to their fellow Georgia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Valdosta

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 100 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #100
  • Percent of drivers in Valdosta with an accident: 9.94%
  • Drivers in Valdosta, GA with an accident in their driving history paid on average 55.49% more than drivers with a clean record

Speeding in Valdosta

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 19 in the number of speeding infractions per driver.

  • Rank within state: #19
  • Percent of drivers in Valdosta with a speeding ticket: 12.58%
  • Drivers in Valdosta, GA with a speeding ticket in their driving history paid on average 37.91% more than drivers with a clean record

DUI/DWIs in Valdosta

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Valdosta drivers rank 26 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #26
  • Percent of drivers in Valdosta with a DUI: 1.72%
  • Drivers in Valdosta, GA with a DUI in their driving history paid on average 9.89% more than drivers with a clean record

Most Popular Vehicle in Valdosta

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Valdosta is the Nissan Altima.

Rude Drivers in Valdosta

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 69 in rude driving infractions.

  • Rank within state: #69
  • Percent of drivers in Valdosta with a reckless driving violation: 2.72%
  • Drivers in Valdosta, GA with a reckless driving violation in their driving history paid on average 36.81% more than drivers with a clean record.

Safest Drivers in Valdosta

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Valdosta drivers rank 28 in clean driving records across all cities in Georgia.

  • Rank within state: #28
  • Percent of drivers in Valdosta with clean record: 78.48%

Failure to Yield the Right of Way in Valdosta

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Valdosta drivers rank 50 in failure to yield violations per driver across all cities in Georgia.

  • Rank within state: #50
  • Percent of drivers in Valdosta with a failure to yield violation: 0.86%
  • Drivers in Valdosta, GA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Valdosta

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 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Valdosta with a reckless driving offense: 0.29%

Hybrid/Electric Vehicle Ownership in Valdosta

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Valdosta drivers rank 45 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #45
  • Percent of drivers in Valdosta with a hybrid/electric vehicle: 0.79%

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.

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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