Cheapest Auto Insurance in Woodstock, Georgia (2026)

The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $72 per month.

Secure. Free. Easy-to-use.
4.7 / 517K reviews
Progressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General LogoBristol West Logo120+ more

Cheapest recent rates near Woodstock, Georgia

Drivers in and around Woodstock, Georgia have found policies from Direct Auto, The General, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on August 22, 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 August 22, 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 August 22, 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 August 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nick Dauk
Written byNick Dauk
Nick Dauk
Nick DaukInsurance Writer
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

Featured in

media logomedia logo
MacKenzie Korris
Reviewed byMacKenzie Korris
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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 $163 per month for liability-only car insurance and $248 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 $206 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-Owners8.2$134$76Liability-only coverage
State Farm9.3$144$81Rideshare drivers
COUNTRY FinancialN/A$145$82Discounts
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.
$72/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.
$129/mo
Details
4.3
Best choice in Woodstock, GABased on 357 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.93.1
Value3.52.9
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 in Woodstock for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 155 Auto-Owners reviews
Richard
Verified Review
My Experience with Auto-Owners Insurance Company
Very easy to deal with.
Sylvester
Verified Review
The experience I had with the office workers was pleasant.
Good. I never had to file a claim.
Mickey
Verified Review
Policy Evaluation
It’s expensive, but claims are handled quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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
4.1
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.
$77/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.
$138/mo
Details
4.1
Best choice in Woodstock, GABased on 20,617 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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 in Woodstock for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Georgia reviews for Woodstock driversSee all 8,008 State Farm reviews
Baris
Verified Review
Quotes and actuals are different
Be careful of bait-and-switch tactics. The quotes aren’t honored, and the actual costs are a lot higher.
Rebecca
Verified Review
Car Window Replacement in a Jiffy!
I had a broken car window, and it cost me nothing for State Farm to come to my home and replace it. It didn’t take too long for the technician to replace it.
Marilyn
Verified Review
Need Lower Rates
I have never had to file a claim with them. The agents are very pleasant and professional. I’m checking for lower rates with a clean record, a driving course, insuring two vehicles, and years of driving experience.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
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.
$78/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.
$140/mo
Details
4.0
Best choice in Woodstock, GABased on 70 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.53.6
Discounts3.42.9
Policy transparency3.83.1
Value3.12.9
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 in Woodstock for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 38 Country Financial reviews
Beverly
Verified Review
It's Bad Business
Unless I call them to request a callback, I never hear from them. They only find discounts for me when I tell them I'm switching companies. My premium goes up every six months with no explanation.
Larry
Verified Review
Good Customer Service, Poor Customer Care From the Company
It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.
Garry
Verified Review
Country has provided excellent service over the past 20 years.
Country has.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.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

Insurify partners with top insurance companies to provide free quotes

Excellent
4.7 out of 5 based on 16,678 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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 $163 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, August 10 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$72
State Farm$77
Country Financial$78
Allstate$85
Mile Auto$91
USAA$91
Progressive$97
Mercury$127
Root$144
Bristol West$146
GEICO$146
Clearcover$152
GAINSCO$156
Direct Auto$157
The General$164
AssuranceAmerica$165
National General$177
Safeco$177
Trexis One$178
Mendota$186
First Acceptance$192
Insurify Car$192
Trexis$196
Excepsure$198
Hugo$270
Liberty Mutual$315
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 $248 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, August 10 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$129
State Farm$138
Country Financial$140
Allstate$151
Mile Auto$161
USAA$161
Progressive$196
Mercury$216
Root$219
Safeco$237
AssuranceAmerica$266
GEICO$268
Direct Auto$273
Clearcover$278
National General$281
Bristol West$286
GAINSCO$325
Mendota$343
Trexis One$343
The General$350
Trexis$377
First Acceptance$379
Liberty Mutual$383
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

Recent Woodstock, Georgia car insurance prices for KIA, Nissan, Jeep, and more.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on August 22, 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 August 22, 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 August 22, 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 August 22, 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:

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

    Uninsured motorist coverage

    Uninsured motorist coverage pays for damages and injuries you sustain from an at-fault driver without the proper insurance coverage.

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

    Collision coverage

    Collision coverage covers vehicle damages when your car collides with an object or another driver, regardless of fault.

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

    Comprehensive coverage

    Comprehensive coverage pays for damages from events other than collisions, such as vandalism, theft, fire, falling objects, and severe weather.

    illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and your passengers’ medical and funeral expenses resulting from a car accident.

    illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This covers rental car expenses while your vehicle is in the shop for covered repairs.

    illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

Shop for Car Insurance in Woodstock, GA

Monthly rates start at $92 for drivers with an incident

Excellent
4.7 out of 5 based on 16,678 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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 $311 per month for full coverage and $204 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, August 10 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners$72$93
State Farm$77$97
Country Financial$78$105
Allstate$85$106
Mile Auto$91$110
USAA$91$117
Progressive$97$122
Root$144$172
Mercury$127$175
Bristol West$146$184
GAINSCO$156$187
GEICO$146$191
Clearcover$152$193
Direct Auto$157$198
AssuranceAmerica$165$211
The General$164$220
National General$177$221
Trexis One$178$223
Safeco$177$233
Mendota$186$233
First Acceptance$192$241
Insurify Car$192$241
Trexis$196$246
Excepsure$198$248
Hugo$270$338
Liberty Mutual$315$402
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 $340 per month for full coverage and $224 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, August 10 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$72$98
State Farm$77$104
Country Financial$78$109
Allstate$85$117
USAA$91$125
Mile Auto$91$125
Progressive$97$133
Root$144$185
Mercury$127$193
GEICO$146$197
Bristol West$146$197
GAINSCO$156$204
Direct Auto$157$218
Clearcover$152$220
AssuranceAmerica$165$224
The General$164$230
National General$177$240
Trexis One$178$244
Safeco$177$250
Mendota$186$255
First Acceptance$192$263
Insurify Car$192$263
Trexis$196$269
Excepsure$198$272
Hugo$270$370
Liberty Mutual$315$427
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 $301 per month for full coverage and $198 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, August 10 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$72$91
Country Financial$78$101
State Farm$77$102
Allstate$85$103
Progressive$97$118
Mile Auto$91$120
USAA$91$120
Mercury$127$179
Root$144$190
Bristol West$146$193
Clearcover$152$193
GEICO$146$193
GAINSCO$156$206
Direct Auto$157$207
The General$164$211
Trexis One$178$216
AssuranceAmerica$165$218
Mendota$186$226
First Acceptance$192$233
Insurify Car$192$233
National General$177$234
Trexis$196$238
Excepsure$198$240
Safeco$177$258
Hugo$270$328
Liberty Mutual$315$416
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 $221 per month for full coverage and $145 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, August 10 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Auto-Owners$48$85
State Farm$49$88
Country Financial$51$91
Mile Auto$63$112
USAA$65$115
Allstate$73$130
Progressive$84$169
Mercury$88$149
GEICO$98$180
Bristol West$110$216
Direct Auto$116$202
AssuranceAmerica$117$189
National General$120$191
GAINSCO$128$267
Clearcover$130$237
The General$130$278
Root$136$207
Safeco$145$194
Trexis One$153$296
Mendota$160$296
First Acceptance$165$327
Trexis$169$325
Liberty Mutual$231$281
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 $433 per month for full coverage and $285 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, August 10 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Country Financial$120$216
Auto-Owners$142$254
State Farm$146$261
Allstate$148$264
USAA$163$288
Progressive$169$342
Mile Auto$183$324
Root$211$321
Mercury$226$385
Clearcover$242$443
Bristol West$252$494
GEICO$258$474
GAINSCO$267$557
The General$289$618
Direct Auto$299$520
Trexis One$311$599
Mendota$325$599
AssuranceAmerica$334$538
First Acceptance$335$662
Trexis$342$658
National General$343$545
Safeco$353$473
Liberty Mutual$538$654
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

Insurify partners with top insurance companies to provide free quotes

Excellent
4.7 out of 5 based on 16,678 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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 $163 per month for liability-only car insurance and $248 per month for full coverage, while the national averages are $98 and $187, respectively.

But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $156 per month for liability insurance and $259 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.

The below rates in Woodstock, GA, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
City
Average Monthly Quote
La Fayette$131
Elberton$137
Hartwell$141
Chatsworth$142
Baxley$143
Chickamauga$145
Dalton$145
Valdosta$145
Rossville$146
Waycross$146
Tifton$149
Eastman$150
Moultrie$150
Ringgold$150
Toccoa$150
Brunswick$152
Kingsland$155
Blackshear$156
Douglas$156
Ellijay$156
Hazlehurst$159
Perry$159
Sylvania$159
Tunnel Hill$161
Jesup$162
Adairsville$164
Cleveland$166
Thomasville$166
Calhoun$169
Waynesboro$169
Dahlonega$170
Americus$171
Summerville$171
Thomson$172
Dawsonville$173
Eatonton$173
Jasper$174
Cedartown$175
Cordele$176
Athens$177
Commerce$180
Dublin$181
Grovetown$181
Peachtree City$181
Evans$182
Leesburg$182
Lula$182
Flowery Branch$183
Richmond Hill$183
Canton$184
Hinesville$184
Rome$184
Statesboro$184
Columbus$187
Franklin$188
Byron$189
Rincon$189
Sharpsburg$189
Albany$190
Hephzibah$191
Jefferson$191
Augusta$192
Gainesville$192
Cartersville$193
Fort Valley$193
Lagrange$193
Thomaston$193
Hull$194
Guyton$195
Tallapoosa$195
Rockmart$196
Warner Robins$196
Cumming$197
Hoschton$198
Carrollton$199
Montezuma$199
Newnan$199
Winder$199
Milledgeville$200
Alpharetta$203
Pooler$204
Acworth$205
Braselton$208
Barnesville$210
Bremen$210
Temple$211
Jackson$213
Monroe$213
Kennesaw$216
Port Wentworth$218
Villa Rica$218
Griffin$221
Roswell$221
Savannah$223
Bethlehem$226
Buford$227
Fayetteville$228
Hiram$229
Auburn$231
Dallas$234
Marietta$235
Oxford$235
Smyrna$235
Dacula$237
Tucker$237
Locust Grove$240
Macon$241
Peachtree Corners$242
Lithia Springs$246
Suwanee$247
Mableton$249
Lawrenceville$250
Loganville$252
Douglasville$253
Duluth$255
Mcdonough$255
Norcross$256
Powder Springs$257
Grayson$258
Lilburn$258
Hampton$266
Stockbridge$271
Snellville$273
Conyers$274
Conley$276
Austell$278
Covington$278
Fairburn$280
Atlanta$282
Morrow$285
Jonesboro$286
Ellenwood$293
Union City$294
Rex$297
Forest Park$300
Riverdale$306
Stone Mountain$323
Decatur$327
Clarkston$329
Lithonia$334
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.

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 $163 per month for liability-only car insurance and $248 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 $72. Other affordable insurers include State Farm and Country Financial, with liability rates of $77 and $78 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

  1. Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. State of Georgia. "Pay a Super Speeder Fine."
  4. Georgia Department of Public Health. "Motor Vehicle Crashes."
  5. Georgia Department of Driver Services. "DUI Data Reports."
  6. Governor's Office of Highway Safety in Georgia. "Impaired Driving."
  7. III. "Senior driving safety and insurance tips."
  8. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
  9. Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
  10. Georgia Department of Transportation. "Georgia Crash Data."

Methodology

Insurify data scientists analyzed more than 250 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
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.

Nick Dauk
Written byNick DaukInsurance Writer
Nick Dauk
Nick DaukInsurance Writer
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Featured in

media logomedia logomedia logo

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

Featured in

media logomedia logo
MacKenzie Korris
Reviewed byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Compare Car Insurance Quotes Instantly

Excellent
4.7 out of 5 based on 16,678 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate