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Cheap Auto Insurance Quotes in Villa Rica, GA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Maria Sanchez

By: Maria Sanchez

Edited by Danny Smith

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Villa Rica is $266 per month or $3,180 annually.

  • Car insurance in Villa Rica is $88 less than the average cost of insurance in Georgia.

  • The cheapest top car insurance provider in Villa Rica on average is Progressive.

Car Insurance in Villa Rica, GA

Just west of Atlanta, Villa Rica has a booming housing market that makes it an attractive place for newcomers and existing residents. And anyone who decides to get behind the wheel in Villa Rica needs to have auto insurance coverage. Drivers looking for affordable coverage should make sure to take the time to compare auto insurance quotes before committing to a policy.

Quotes by Top Companies

Progressive
$140
Travelers
$192
Liberty Mutual
$220
Nationwide
$220
National General
$225

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Cheap Car Insurance Georgia

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Cheapest Car Insurance in Villa Rica, GA

What is the cheapest car insurance in Villa Rica?

Progressive is the cheapest top car insurance provider on average in Villa Rica, with rates starting at $140 per month. It’s still important to compare car insurance rates since everyone’s situation is unique.

While the average cost of car insurance in Villa Rica is $266 per month, you can find much lower rates. Car insurance quotes have a wide range, so you can tailor your insurance policy to fit your needs and budget. Different insurance companies can charge different amounts for the same amount of coverage, so be sure to shop around and do research before buying a policy.

Insurance CompanyAverage Monthly Quote
Progressive$140
Travelers$192
Liberty Mutual$220
Nationwide$220
National General$225
Hugo$68
Mile Auto$187
Elephant$205
GAINSCO$215
Clearcover$239
Foremost$240
State Auto$272
Midvale Home & Auto$273
Safeco$277
Mercury$279
SafeAuto$281
Freedom National$283
InsureMax$283
Direct Auto$291
Amigo America$294
AssuranceAmerica$295
Bristol West$316
The General$348
Infinity$390
Arrowhead$424
Everest National$471
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured motorist bodily injury

  • $50,000 per accident for uninsured motorist bodily injury

  • $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Villa Rica Car Insurance Rates by Driving and Accident History

Your driving history has a significant impact on how much you might end up paying for your car insurance[2]. If your driving record is full of collisions, claims, and other violations, you are more likely to see your costs increase. This is because car insurance companies see high-risk drivers as more expensive to insure since they’re more likely to get into costly accidents.

Driver HistoryAverage Monthly Cost
Clean Record$265
Speeding Ticket$355
At-Fault Accident$387
DUI$527
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Georgia

DUI Car Insurance Georgia

Villa Rica Car Insurance Rates by Credit Tier

Your credit score can also determine whether you’ll get a cheaper car insurance quote[3]. A few states have outlawed using this single number as an indicator of financial health, but most states still rely on it to determine your responsibility and other habits. People in a better credit tier are more likely to see savings, while those in lower credit tiers might end up paying more.

Credit TierAverage Monthly Cost
Excellent$219
Good$259
Average$285
Poor$442
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Villa Rica

Georgia car insurance might seem pricey, but there are plenty of ways to save. You can look up discounts that you’re eligible for, like being a safe driver or having a child in school. Another option is to bundle your auto insurance policy with other existing policies that you already have, like your renters insurance, homeowners insurance, life insurance, or business insurance.

Some people think they can save by getting the bare minimum policy, but you shouldn’t have to worry about skimping on add-ons that help with accessibility or protect you from other risks, like theft or vandalism. Insurify helps you get the cheapest rates with coverage to fit your needs. In just a few minutes, our tools can help you compare quotes side by side to get the best deal.

Frequently Asked Questions

  • It’s easy to get a quality policy you can afford when you shop around and compare rates first. Different insurance companies offer different prices for the same coverage, so do your research and don’t buy the first policy you see. Without ever having to speak to an agent or dial a phone number, you can compare car insurance quotes easily with Insurify. Get a free quote today.

  • The average cost of car insurance in Villa Rica is $266 per month or $3,192 annually. However, this number isn’t one-size-fits-all for everyone. How much you pay for your insurance policy will depend on a number of different factors, like the type of car you drive, where you drive it, your unique driving history, the amount of coverage you want, your credit tier, and more.

  • There are a lot of different reasons you might see car insurance quotes that are higher than you expected. One of the most significant factors that affect your rates is your driving record. If you have a history with a long list of claims, collisions, and other violations, you’re likely to pay a lot more for your policy. An easy way to keep costs low is by being a safe driver.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Maria Sanchez
Maria Sanchez

Insurance Writer

Maria Sanchez is a personal finance writer specializing in auto, home, and renters insurance. With a special interest in educational content, Maria distills complex financial information to be more accessible to the greater public. She holds degrees from the University of Massachusetts and the London School of Economics.

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Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. idrivesafely.com. "Georgia Driving Record." Accessed July 26, 2022
  3. Georgia Office of Attorney General - Consumer Protection Division. "Credit Reports and Credit Score." Accessed July 26, 2022