Cheapest Auto Insurance in Woodstock, Georgia (2026)
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $81 per month.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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10+ years editing experience
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Woodstock, Georgia, sits just north of Atlanta, offering residents both a quick route into the capital and a quiet suburban town where they can escape the hustle and bustle of the city. Whether they’re driving to a Falcons game or making a quick trip to Red Top Mountain State Park, Woodstock drivers pay an average of $168 per month for liability-only car insurance and $233 per month for full coverage.
Although Georgia law only requires liability auto insurance coverage, Woodstock drivers can look to both locally owned companies, like Mountain Lakes Insurance Agency, and nationally known insurance companies, like State Farm, to find a variety of coverage options to suit their needs. Here, you can learn how to compare rates and see what people in Woodstock pay for car insurance.
Quick Facts
The cheapest insurers in Woodstock are Auto-Owners, State Farm, and COUNTRY Financial.
Woodstock’s overall average car insurance rate is $201 per month.
Georgia’s new legislation limits how much insurers can increase rates in the state.[1]
3 of the cheapest car insurance companies in Woodstock
Woodstock drivers have dozens of options for car insurance, though not every insurer will meet your needs. Instead of looking solely at price, compare the coverage levels, discounts, and factors like customer service ratings to determine which insurer offers the best overall experience for your needs.
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 | 8.2 | $141 | $83 | Liability-only coverage |
| State Farm | 9.3 | $151 | $89 | Rideshare drivers |
| COUNTRY Financial | 9.1 | $153 | $90 | Discounts |
Disclaimer: Table data is based on real-time Woodstock quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $81/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. | $139/mo |
4.3
Best choiceBased on 329 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Georgia is one of the limited states that Auto-Owners operates in, allowing Woodstock drivers to receive the lowest average insurance rates available. It has a strong A++ financial rating from AM Best and offers various auto insurance products, including motorcycles, converted vehicles, and classic or antique cars. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local, independent agent.
Auto-Owners also has a significant number of complaints in Georgia compared to most other states it offers auto insurance in, according to the National Association of Insurance Commissioners (NAIC) consumer complaint index.
Pros
Mobile Response Vehicles and storm teams available
Highly rated claims service
Cons
More NAIC complaints in GA than most states
Customers can’t purchase a policy online
Best insurer for rideshare drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $87/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. | $148/mo |
4.0
Best choiceBased on 17,183 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Georgia reviews for Woodstock driversSee all 7,403 State Farm reviews
Verified Review
Reviewed in Georgia on April 13, 2026
State Farm is very fast at handling claims. I am pleased with their services.
Verified Review
Reviewed in Georgia on April 13, 2026
State Farm is charging me $215.02 per month for my 2012 Nissan Murano. I called them, but they were not interested in discussing my policy and rate. I am looking forward to the day I cancel them.
Verified Review
Reviewed in Georgia on April 10, 2026
It's okay, but I wish the payment wasn't so high.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
If you’re a rideshare driver in Woodstock, you may benefit from State Farm’s low-cost auto coverage options. It offers basic liability and full-coverage policies at a lower average rate than other Woodstock insurers, and you can easily add transportation network company (TNC) coverage to your policy.
While it does offer a number of coverages to protect your car before, during, and following a rideshare job, State Farm doesn’t offer gap insurance. So Woodstock drivers with brand-new vehicles may be at a higher risk of loss.
Pros
Easy-to-add rideshare coverage
High AM Best and S&P ratings
Cons
Can’t purchase a policy online
No gap insurance
Best insurer for discounts: COUNTRY Financial
| User Reviews | 4.0 |
|---|---|
| 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. | 9.1 /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. | $88/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. | $150/mo |
4.0
Best choiceBased on 66 verified driver reviews and ratings
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 35 Country Financial reviews
Verified Review
Reviewed in Colorado on February 23, 2026
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Verified Review
Reviewed in Nevada on October 28, 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Verified Review
Reviewed in Illinois on October 25, 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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
COUNTRY Financial may not be as well-known as other insurers, but its 95-year history and A+ AM Best rating make it a strong contender for Woodstock drivers. Offering rates comparable to other insurers, COUNTRY Financial stands out with its diverse coverages, discounts, and products. Discounts are available for engaged couples, teachers, first responders, and students. But restrictions apply for legacy discounts.
Pros
Unique discounts
Diverse coverage options
Cons
No rideshare insurance in GA
Legacy discounts require multiple policies
How to get the cheapest car insurance in Woodstock
Drivers can save money on car insurance and get the cheapest car insurance in Woodstock with a combination of strategies. Whether you commute to Atlanta for work or rarely take your car on I-575, consider these ways to get cheaper car insurance in Georgia:
Raise your deductible. Higher deductibles often lead to lower premiums. If you can afford a higher deductible when you file a claim, you can save money on your policy’s premiums.
Bundle policies. If you buy auto insurance and another policy with the same insurer, such as home insurance, renters insurance, or life insurance, you can usually get a discount for both policies.
Qualify for discounts. Insurers often offer a long list of discounts that drivers can qualify for to save money on car insurance. Discounts include good grades, vehicle safety features, low mileage, pay in full, and more.
Reconsider coverage. If you drive an older-model vehicle, consider reducing optional coverages or removing them altogether. The more coverage you have, the more you pay for car insurance.
Keep in Mind
Multiple factors influence your rates, like your long-term driving record and the number of miles you drive each year. Talk to your insurer to discover ways you can save specific to your driving habits and coverage needs.
Find Car Insurance in Woodstock, Georgia
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Cheapest liability-only car insurance in Woodstock: Auto-Owners
Liability car insurance covers the injuries and damages you cause another car or person in an at-fault accident. Georgia law requires liability insurance coverage, and all drivers must meet a specific level of bodily and property liability insurance. This coverage doesn’t pay for damages that you cause to yourself, your passengers, or your vehicle.
Liability-only policies in Woodstock cost $168 per month, on average. Here’s a look at the cheapest liability-only car insurance companies in Woodstock.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $81 |
| State Farm | $87 |
| COUNTRY Financial | $88 |
| Allstate | $95 |
| Mile Auto | $96 |
| USAA | $101 |
| Progressive | $125 |
| Mercury | $136 |
| Root | $156 |
| Bristol West | $164 |
| GEICO | $164 |
| GAINSCO | $167 |
| Clearcover | $170 |
| Direct Auto | $171 |
| The General | $185 |
| AssuranceAmerica | $187 |
| National General | $193 |
| Safeco | $196 |
| Trexis One | $197 |
| Mendota | $201 |
| Nationwide | $210 |
| First Acceptance | $212 |
| Trexis | $216 |
| Liberty Mutual | $348 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Woodstock: Auto-Owners
Whereas liability insurance is a state requirement and covers the damages or injuries you cause others, full-coverage car insurance is optional and covers your vehicle’s damages and possibly your and your passengers’ injuries, regardless of fault.
Full-coverage insurance doesn’t have a set definition, though most insurers design this policy with a combination of liability, comprehensive, and collision coverages. Woodstock drivers who want coverage in the event of losing control of their vehicle, such as on the dangerous curves of Dupree Road, may want to add full coverage to their policy.
Drivers in Woodstock pay an average of $233 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in Woodstock.[2]
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $139 |
| State Farm | $148 |
| COUNTRY Financial | $150 |
| Mile Auto | $153 |
| Allstate | $162 |
| USAA | $174 |
| Mercury | $215 |
| Root | $221 |
| Progressive | $224 |
| Safeco | $242 |
| Direct Auto | $275 |
| National General | $279 |
| Clearcover | $287 |
| GEICO | $291 |
| AssuranceAmerica | $293 |
| Bristol West | $305 |
| GAINSCO | $319 |
| Mendota | $342 |
| Trexis One | $350 |
| Nationwide | $358 |
| The General | $361 |
| Trexis | $380 |
| First Acceptance | $383 |
| Liberty Mutual | $392 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Woodstock, Georgia drivers
Drivers using Insurify have found quotes as cheap as $89/mo for liability only and $153/mo for full coverage in Woodstock and other Georgia cities.
*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia is an at-fault state, and the basic coverages the state requires are property damage liability insurance and bodily injury liability insurance.
Here are Georgia’s minimum requirements for liability insurance:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per incident |
| Property damage liability | $25,000 per incident |
People in Woodstock can drive legally with only the minimum insurance requirements, but many choose not to because liability-only coverage doesn’t cover all types of damage. You may want to consider purchasing optional coverages for your policy, such as:
Uninsured motorist coverage
Uninsured motorist coverage pays for damages and injuries you sustain from an at-fault driver without the proper insurance coverage.
Collision coverage
Collision coverage covers vehicle damages when your car collides with an object or another driver, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damages from events other than collisions, such as vandalism, theft, fire, falling objects, and severe weather.
Medical payments coverage
Medical payments coverage pays for you and your passengers’ medical and funeral expenses resulting from a car accident.
Rental reimbursement coverage
This covers rental car expenses while your vehicle is in the shop for covered repairs.
Towing and labor coverage
This covers costs for towing and roadside assistance when your car breaks down.
Georgia House Bill 221
In May 2023, Georgia Gov. Brian Kemp signed legislation to provide the Insurance and Safety Fire Commissioner the power to review all car insurance rate filings before they go into effect.
This new policy went into effect on July 1, 2023, and prevents insurers from taking advantage of drivers via a loophole that allowed them to raise car insurance rates as much as 25% during a single filing.[1]
Cheapest car insurance for drivers with an incident
Although Woodstock is just over 12 square miles in size, you can encounter a number of insurance-raising incidents in such a small area. These incidents can be speeding tickets and moving violations, at-fault accidents, and driving under the influence (DUI) convictions. Essentially, if it can cost your insurer money, it can result in an increased premium.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Check your speedometer when you’re driving through Woodstock, and any other city in Georgia. The state assesses extra charges for drivers exceeding 75 to 85 mph on certain state roadways.[3]
Keep in mind that you don’t need to exceed the speed limit by very much to receive a speeding ticket. Even going a few miles over the speed limit is enough. Along with the penalty the officer assesses, your insurer may also increase your premium since speeding is a common factor in car accidents. The average cost of car insurance for drivers with a speeding ticket in Woodstock is $294 per month for full coverage and $212 for liability only.
The table below shows the cheapest auto insurers in Woodstock for drivers with a speeding ticket on their records.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $81 | $106 |
| State Farm | $87 | $111 |
| Mile Auto | $96 | $118 |
| COUNTRY Financial | $88 | $120 |
| Allstate | $95 | $124 |
| USAA | $101 | $131 |
| Progressive | $125 | $158 |
| Mercury | $136 | $189 |
| GAINSCO | $167 | $200 |
| Bristol West | $164 | $208 |
| Root | $156 | $209 |
| GEICO | $164 | $215 |
| Direct Auto | $171 | $216 |
| Clearcover | $170 | $218 |
| AssuranceAmerica | $187 | $239 |
| The General | $185 | $248 |
| Trexis One | $197 | $248 |
| Mendota | $201 | $253 |
| Safeco | $196 | $258 |
| First Acceptance | $212 | $267 |
| Trexis | $216 | $272 |
| Nationwide | $210 | $273 |
| Liberty Mutual | $348 | $445 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Car accidents are serious problems in Georgia; they’re a leading cause of death and hospitalizations in the state. Some yearly fatality rates in Georgia have even exceeded those in nearly all other states. But a car accident doesn’t need to be serious to lead to a policy rate increase.[4]
Even if you’re involved in an injury-free fender bender or mistakenly back into a telephone pole, this could lead to an increase in your premiums. The more often your insurer has to pay out a claim, the more likely it is to raise your rates to compensate for losses. In Woodstock, the average cost of car insurance for drivers with an accident is $322 per month for full coverage and $232 for liability only.
Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident on their records in Woodstock.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $81 | $110 |
| State Farm | $87 | $118 |
| COUNTRY Financial | $88 | $123 |
| Allstate | $95 | $130 |
| Mile Auto | $96 | $133 |
| USAA | $101 | $139 |
| Progressive | $125 | $173 |
| Mercury | $136 | $208 |
| Root | $156 | $214 |
| GAINSCO | $167 | $219 |
| GEICO | $164 | $220 |
| Bristol West | $164 | $221 |
| Direct Auto | $171 | $238 |
| Clearcover | $170 | $249 |
| AssuranceAmerica | $187 | $254 |
| The General | $185 | $260 |
| Trexis One | $197 | $272 |
| Mendota | $201 | $278 |
| Safeco | $196 | $279 |
| Nationwide | $210 | $289 |
| First Acceptance | $212 | $293 |
| Trexis | $216 | $298 |
| Liberty Mutual | $348 | $473 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Between 2017 and 2020, 1,626 Cherokee County drivers had their first DUI conviction, and 244 had a second or third DUI conviction, while 806 received either an administrative license suspension or an implied consent suspension.[5]
Hundreds of people in Georgia die during alcohol-related car crashes per year, which sometimes account for as much as one-fourth of all crash fatalities.[6] Drinking and driving, even when no accident occurs, is still a risky driving behavior that could cause injury or damage. Insurers often penalize DUI-convicted drivers with higher rates. Woodstock drivers pay an average of $375 per month for full coverage and $270 for liability only after a DUI conviction.
Here’s a look at the most affordable car insurance companies for drivers with a DUI in Woodstock.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $81 | $124 |
| COUNTRY Financial | $88 | $131 |
| State Farm | $87 | $133 |
| Allstate | $95 | $145 |
| Mile Auto | $96 | $146 |
| USAA | $101 | $154 |
| Progressive | $125 | $201 |
| Mercury | $136 | $218 |
| Root | $156 | $240 |
| GEICO | $164 | $248 |
| Bristol West | $164 | $250 |
| GAINSCO | $167 | $255 |
| Clearcover | $170 | $259 |
| Direct Auto | $171 | $261 |
| The General | $185 | $273 |
| AssuranceAmerica | $187 | $285 |
| Safeco | $196 | $316 |
| Trexis One | $197 | $317 |
| Nationwide | $210 | $320 |
| Mendota | $201 | $324 |
| First Acceptance | $212 | $341 |
| Trexis | $216 | $348 |
| Liberty Mutual | $348 | $531 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Average car insurance rates usually decrease when adults near age 35 because their years of experience and potentially low claim rate demonstrate safe driving habits. But rates tend to rise around 70, as senior drivers have an increased likelihood of accidents due to declining health and medication use.[7]
The average cost of car insurance for senior drivers in Woodstock is $209 per month for full coverage and $151 for liability only. Senior drivers tend to pay lower-than-average premiums compared to many other driving age groups, so seniors can still find affordable coverage, starting with the insurers below.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $53 | $92 |
| State Farm | $56 | $95 |
| COUNTRY Financial | $58 | $98 |
| Allstate | $66 | $113 |
| Mile Auto | $68 | $109 |
| USAA | $73 | $125 |
| Mercury | $96 | $152 |
| Progressive | $108 | $194 |
| GEICO | $111 | $197 |
| Root | $118 | $167 |
| Bristol West | $124 | $231 |
| Direct Auto | $127 | $204 |
| Nationwide | $132 | $225 |
| AssuranceAmerica | $135 | $211 |
| GAINSCO | $138 | $263 |
| The General | $148 | $288 |
| Clearcover | $149 | $252 |
| Safeco | $162 | $200 |
| Trexis One | $171 | $303 |
| Mendota | $174 | $296 |
| First Acceptance | $184 | $332 |
| Trexis | $187 | $329 |
| Liberty Mutual | $258 | $291 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenage drivers ages 16 to 19 have a fatal crash rate nearly three times as high as drivers 20 and older.[8] Teens lack the experience and developed reaction times that many adults have. Add in their overconfidence, increased distractions, and peer pressure, and it may further increase their likelihood of getting into an accident.
Although this generally leads to higher rates, young drivers could try to reduce their premiums as much as possible by staying on their parents’ insurance plan, driving a vehicle with insurer-approved safety features, and searching for eligible discounts, like good student and defensive driving programs. Teen drivers in Woodstock pay an average of $404 per month for full coverage and $292 for liability only.
Here are the cheapest car insurance companies in Woodstock for teens and young adults.
The below rates in Woodstock, GA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $138 | $236 |
| Auto-Owners | $162 | $277 |
| State Farm | $166 | $282 |
| USAA | $183 | $315 |
| Allstate | $184 | $314 |
| Mile Auto | $194 | $309 |
| Progressive | $217 | $389 |
| Mercury | $243 | $385 |
| Root | $265 | $376 |
| Clearcover | $273 | $461 |
| Bristol West | $284 | $529 |
| GEICO | $290 | $515 |
| GAINSCO | $293 | $560 |
| The General | $324 | $633 |
| Direct Auto | $325 | $523 |
| Trexis One | $342 | $608 |
| Mendota | $349 | $594 |
| First Acceptance | $368 | $665 |
| Trexis | $375 | $660 |
| AssuranceAmerica | $379 | $594 |
| Safeco | $390 | $482 |
| Nationwide | $402 | $685 |
| Liberty Mutual | $596 | $672 |
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.
Compare Auto Insurance in Woodstock, GA
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Woodstock car insurance quotes by credit tier
Many companies in Georgia, including auto insurers, can check your credit history and use the information to determine if you’re eligible for a policy and what the rate should be.[9] This is just one of many factors insurers use, but drivers with poor credit typically pay higher premiums than drivers with excellent or good credit.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $215 |
| Good | $254 |
| Fair | $279 |
| Poor | $432 |
Is car insurance more expensive in Woodstock?
Compared to the national average, car insurance is more expensive in Woodstock. The average cost of car insurance in the city is $168 per month for liability-only car insurance and $233 per month for full coverage, while the national averages are $97 and $183, respectively.
But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $155 per month for liability insurance and $257 per month for full coverage.
Car insurance in Woodstock is cheaper, on average, than in many other Georgia cities. This could be because Woodstock has fewer residents and fewer reported car crashes. For instance, the city of Marietta reported more than 4,500 car crashes in 2022, while Woodstock reported a little more than 1,400.[10]
More cities in Georgia
Here’s how Woodstock’s average full-coverage car insurance quote compares to quotes in other Georgia cities.
City | Liability Only | Full Coverage |
|---|---|---|
| Alpharetta | $168 | $240 |
| Athens | $131 | $213 |
| Atlanta | $225 | $330 |
| Columbus | $141 | $228 |
| Marietta | $190 | $267 |
| Savannah | $175 | $275 |
| Valdosta | $111 | $178 |
| Warner Robins | $154 | $230 |
Disclaimer: Table data is based on real-time Woodstock quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Woodstock car insurance FAQs
Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Woodstock car insurance.
How much is car insurance in Woodstock?
The average cost of car insurance in Woodstock is $168 per month for liability-only car insurance and $233 per month for full coverage.
Which companies have the cheapest car insurance in Woodstock?
Auto-Owners has the cheapest car insurance in Woodstock, with a monthly liability-only rate of $81. Other affordable insurers include State Farm and COUNTRY Financial, with liability rates of $87 and $88 per month, respectively. Finding the cheapest car insurance company for you will depend on many factors, including your age, gender, vehicle, ZIP code, and driving record.
What are the best car insurance companies in Woodstock?
Some of the best car insurance companies in Woodstock include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from.
But the best insurer for you depends on your coverage needs and budget. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.
What factors influence the cost of your car insurance in Woodstock, GA?
Factors outside of your control that influence the cost of your car insurance in Woodstock include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors in your control are your driving record, credit history, vehicle type, and coverage options.
How much car insurance do you need in Georgia?
Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]
Sources
- Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- State of Georgia. "Pay a Super Speeder Fine."
- Georgia Department of Public Health. "Motor Vehicle Crashes."
- Georgia Department of Driver Services. "DUI Data Reports."
- Governor's Office of Highway Safety in Georgia. "Impaired Driving."
- III. "Senior driving safety and insurance tips."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
- Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
- Georgia Department of Transportation. "Georgia Crash Data."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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