Cheapest Auto Insurance in Woodstock, Georgia (2024)

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 $150 per month for liability-only car insurance and $230 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.

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.

Best insurer for liability-only coverage: Auto-Owners

Best insurer for rideshare drivers: State Farm

Best insurer for discounts: COUNTRY Financial

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.

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Cheapest liability-only car insurance in Woodstock: Hugo

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 $150 per month, on average. Here’s a look at the cheapest liability-only car insurance companies in Woodstock.

Cheapest full-coverage car insurance in Woodstock: Hugo

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 $230 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in Woodstock.^[2]

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]

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: Hugo

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 $332 per month for full coverage and $217 for liability only.

The table below shows the cheapest auto insurers in Woodstock for drivers with a speeding ticket on their records.

Cheapest car insurance for drivers with an at-fault accident: Hugo

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 $347 per month for full coverage and $226 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.

Cheapest car insurance for drivers with a DUI: Hugo

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 $393 per month for full coverage and $256 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.

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 $179 per month for full coverage and $117 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.

Cheapest car insurance for teens: Hugo

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 $411 per month for full coverage and $268 for liability only.

Here are the cheapest car insurance companies in Woodstock for teens and young adults.

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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.

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 $150 per month for liability-only car insurance and $230 per month for full coverage, while the national averages are $104 and $213, respectively.

But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $146 per month for liability insurance and $240 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.

Woodstock car insurance FAQs