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Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
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Basado en más de 3806 reseñas
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Las tarifas más baratas encontradas recientemente en Georgia
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $41/mes para solo responsabilidad y $84/mes para cobertura total en Georgia.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Drivers in Dalton, Georgia, enjoy plenty of parks, wildlife preserves, and national forests in the surrounding area. But before heading out on a mountain road trip in Georgia, you need car insurance. Fortunately, Dalton drivers have lower average car insurance costs than many other Georgia cities.
The average cost of car insurance in Dalton is $170 per month for full coverage and $108 for liability-only policies. This is less than the Georgia state averages of $240 and $146, respectively.
Dalton's smaller population and comparatively low fatality rate likely contribute to the city's lower-than-average car insurance costs. Here’s what you need to know about cheap car insurance in Dalton, Georgia, and how premiums change based on coverage type, incidents, and age.
Datos Breves
Hugo, Auto-Owners, and COUNTRY Financial are the cheapest insurers in Dalton.
Dalton had 6,021 traffic accidents in 2021, but only 11 of those were fatal, according to Georgia Department of Transportation data.[1]
Dalton drivers have a relatively short mean commute time of just 17 minutes.[2] Fewer miles on the road can result in lower car insurance rates for drivers.
3 of the cheapest car insurance companies in Dalton
Buying auto insurance can be complicated, and you want to find the right fit for your situation. The most affordable coverage option may not fit your specific needs.
Insurify covers the cheapest car insurance in Dalton for certain categories below. In many cases, Hugo won out in the affordability category. However, the company doesn’t offer full coverage in Georgia, which can leave you more at risk. And if you finance or lease your vehicle, you won't be able to use Hugo.
Always compare options and review benefits. Below are some of the cheapest car insurance companies in Dalton, Georgia, and what they’re a good fit for.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
4.3
$96
$65
Full coverage
Hugo
3.5
$70
$56
Temporary coverage
State Farm
4.6
$103
$70
Teen drivers
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$47/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.
$68/mo
If you want the most protection with full coverage, a good option in Dalton is Auto-Owners. Its average quotes for full-coverage and liability policies are among the lowest. Plus, Insurify gives it a high Insurify Quality Score.
Ventajas
Affordable full-coverage policies
Offers gap insurance
Contras
Lower mobile app rating compared to other insurers
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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 aaa (exceptional) to c (poor).
NR
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.
$41/mo
Hugo offers people who don’t drive often affordable, on-demand coverage. You can turn coverage on and off as needed and pay for insurance only when you drive. This innovative insurance model results in lower premiums for people who don’t drive often.
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$51/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.
$73/mo
If you’re looking for an established, well-known insurance company for your teen driver in Dalton, State Farm is a great choice. It offers the Steer Clear program for drivers younger than 25 and relatively low average quotes for teens compared to other insurers.
I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.
Wanda Carole - April 22, 2024
Verified
Excellent
Check out other companies and their rates before making a decision.
…
How to get the cheapest car insurance in Dalton
Finding affordable car insurance coverage in Dalton will depend on your individual needs, ZIP code, age, driving record, and more.[3] To get the cheapest car insurance in Dalton, follow these tips:
Compare your options. Don’t just stop at the first affordable quote you find. Research multiple insurance companies and get several quotes. Reviewing three or more options can give you a better idea of what’s competitive.
Research discounts. On top of low quotes, look at available discount options from insurance companies. You may be able to get a safe driving discount, good student discounts, and more.
Bundle coverage. If you buy multiple insurance products — like home insurance or renters insurance — from the same company you buy auto insurance from, you can usually score a lower premium.
Be a safe driver. What you pay for car insurance is also based on your driving record. To keep costs low, drive within the speed limit, put down your cell phone, and never drive under the influence.
Choose the right deductible. Consider your deductible when lowering your car insurance costs. “The deductible is the amount you pay out of pocket before your insurance coverage applies. Choosing a higher deductible can lower your premium, but it is important to strike a balance that aligns with your financial capabilities,” says Grizzle.
Cheapest liability-only car insurance in Dalton: Hugo
Liability insurance is the most basic form of car insurance that meets Georgia state minimums. It helps cover your liability to pay for property damage and bodily injury in an accident you cause. Because it only covers the other party’s vehicle repairs and medical bills, and not yours, it tends to be more affordable than full-coverage options. Liability policies in Dalton cost $108 per month on average.
Below are the companies that offer the lowest average quotes for liability-only policies in Dalton, Georgia:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Hugo
41
Auto-Owners
47
COUNTRY Financial
51
State Farm
51
Allstate
56
Mile Auto
56
USAA
59
Progressive
69
Safeco
75
Mercury
78
GEICO
82
State Auto
82
Clearcover
83
Liberty Mutual
96
National General
96
AssuranceAmerica
98
Elephant
100
Direct Auto
102
GAINSCO
110
Midvale Home & Auto
119
Nationwide
122
Infinity
138
The General
152
Bristol West
169
Foremost
181
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest full-coverage car insurance in Dalton: Auto-Owners
Full-coverage car insurance in Dalton helps provide more robust protections for a driver. Instead of just covering your liability, full coverage typically also includes collision and comprehensive coverage. Having just liability-only coverage can leave you more at risk, while full coverage is often the safer bet if you want more protection on the road. To get full coverage in Dalton, you can expect to pay an average of $170 per month.
Here are the companies that offer the cheapest average quotes for full-coverage insurance in Dalton, Georgia:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Auto-Owners
68
State Farm
73
COUNTRY Financial
75
Allstate
80
USAA
85
Mile Auto
89
Progressive
109
Travelers
112
GEICO
119
Mercury
128
Safeco
129
Elephant
140
State Auto
148
Clearcover
150
AssuranceAmerica
166
Liberty Mutual
167
Midvale Home & Auto
167
Direct Auto
172
Nationwide
174
National General
198
Foremost
215
GAINSCO
223
Infinity
248
The General
254
Bristol West
319
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Car insurance requirements in Georgia
Georgia is an at-fault state, sometimes called a tort state. This means that a driver who causes an accident is responsible for paying for the resulting damages and injuries, typically through their liability insurance.[4] However, even if the damages or medical costs exceed their liability limits, the driver is responsible for the excess costs. Injured parties can sue the at-fault driver for the remaining damages in Georgia as part of its fault-based system.
Georgia requires the following minimum liability limits for drivers:[5]
Bodily injury liability
$25,000 per person
$50,000 per incident
Property damage liability
$25,000 per incident
“By meeting these minimum requirements, drivers fulfill their legal obligations and have a basic level of financial protection in case of accidents,” says Tyler Grizzle, partner at GSP Insurance Group. “However, it is important to note that these limits may not be sufficient to cover all potential damages. Drivers should carefully assess their personal circumstances, including their assets and financial situation, and consider higher coverage limits to ensure comprehensive protection.”
Drivers in Dalton should also consider adding the following coverages to an auto policy for more protection:
Collision
This provides coverage for car repairs after accidents you cause, including hitting a stationary object like a fence or mailbox.
Comprehensive
This includes coverage for theft, natural disasters, vandalism, and objects falling on your car.
Uninsured/underinsured motorist
This provides coverage for you when uninsured drivers or drivers without sufficient coverage damage your car or injure you in an accident.
Cheapest car insurance for drivers with an incident
Cheapest car insurance for drivers with a speeding ticket: Hugo
Going over the speed limit can result in a speeding ticket, which may affect car insurance premiums. It can also result in two to six points on your license that won’t disappear for two years.[6] The average cost of car insurance for drivers with a speeding ticket in Dalton is $247 per month for full coverage and $157 for liability only. To find affordable coverage in Dalton, Georgia, after getting a speeding ticket, compare liability-only quotes from the cheapest insurance companies Insurify analyzed:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
41
57
Auto-Owners
47
61
COUNTRY Financial
51
68
State Farm
51
66
Allstate
56
73
Mile Auto
56
79
USAA
59
77
Progressive
69
90
Safeco
75
99
Mercury
78
109
GEICO
82
107
State Auto
82
116
Clearcover
83
109
Liberty Mutual
96
138
National General
96
138
AssuranceAmerica
98
131
Elephant
100
144
Direct Auto
102
135
GAINSCO
110
158
Midvale Home & Auto
119
160
Nationwide
122
161
Infinity
138
187
The General
152
201
Bristol West
169
219
Foremost
181
260
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with an at-fault accident: Hugo
Having an at-fault accident on your record in Dalton, Georgia, will most likely increase your car insurance premiums. How much they increase depends on the severity of the accident and claim, so it’s important to review your policy at renewal to see how much more you’ll pay.[7] If the cost jumps too high, you can shop around for a new insurance company. The cost of car insurance for Dalton drivers with an accident is $258 per month for full coverage and $164 for liability only, on average.
The table below shows the cheapest car insurance companies for drivers in Dalton with an at-fault accident:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With Accident
Hugo
41
55
Auto-Owners
47
64
COUNTRY Financial
51
72
State Farm
51
70
Allstate
56
77
Mile Auto
56
85
USAA
59
81
Progressive
69
96
Safeco
75
100
Mercury
78
114
GEICO
82
113
State Auto
82
124
Clearcover
83
121
Liberty Mutual
96
144
National General
96
131
AssuranceAmerica
98
135
Elephant
100
135
Direct Auto
102
144
GAINSCO
110
147
Midvale Home & Auto
119
172
Nationwide
122
169
Infinity
138
187
The General
152
213
Bristol West
169
228
Foremost
181
271
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for drivers with a DUI: Hugo
Driving under the influence is dangerous and risky to drivers and other passengers. Having a DUI conviction increases car insurance premiums due to the added risk. In Dalton, car insurance costs can double after a DUI conviction or even trigger a non-renewal with your car insurance company.[7] The average cost of car insurance for drivers with a DUI is $292 per month for full coverage and $186 for liability only.
Start your quote comparison for car insurance with the following cheap auto insurers for drivers in Dalton with a DUI:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Clean Driving Record
With DUI
Hugo
41
70
Auto-Owners
47
80
COUNTRY Financial
51
86
State Farm
51
86
Allstate
56
95
Mile Auto
56
87
USAA
59
100
Progressive
69
117
Safeco
75
127
Mercury
78
120
GEICO
82
139
State Auto
82
139
Clearcover
83
141
Liberty Mutual
96
163
National General
96
163
AssuranceAmerica
98
166
Elephant
100
170
Direct Auto
102
173
GAINSCO
110
187
Midvale Home & Auto
119
202
Nationwide
122
207
Infinity
138
234
The General
152
258
Bristol West
169
287
Foremost
181
307
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for seniors: Hugo
Senior drivers can take advantage of low car insurance premiums in Dalton. Car insurance prices tend to dip around the age of 25 and decrease until around age 75, when they start to rise again because that’s when reaction times and driving capabilities decline.[8] Senior drivers in Dalton pay an average of $132 per month for full coverage and $84 for liability only.
To find affordable car insurance for seniors in Dalton, Georgia, start with the following cheap auto insurers:
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
Hugo
23
26
Auto-Owners
27
40
State Farm
28
40
COUNTRY Financial
29
43
Allstate
34
49
Mile Auto
34
54
Progressive
35
55
USAA
36
52
Mercury
46
75
Safeco
48
83
State Auto
49
89
GEICO
50
72
Clearcover
54
97
Liberty Mutual
58
100
AssuranceAmerica
60
101
Direct Auto
62
104
Elephant
63
88
Nationwide
65
92
National General
67
137
Midvale Home & Auto
68
96
GAINSCO
77
157
Infinity
81
145
The General
105
175
Bristol West
109
205
Foremost
112
133
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Cheapest car insurance for teens: Hugo
Teen drivers tend to pay higher premiums than other age groups due to additional risk factors. Teens and young adults are just starting to learn to drive and don’t have as much experience on the road.[3] Plus, data from the CDC shows that teens are more likely to be involved in a fatal car accident. The average cost of car insurance for teen drivers in Dalton is $305 per month for full coverage and $194 for liability only.
Because of these factors, teens pay more for car insurance coverage. To get affordable coverage, teens should consider staying on their parents’ insurance and research insurers that offer teen-specific discounts.
The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Liability Only
Full Coverage
Hugo
71
80
COUNTRY Financial
75
110
Auto-Owners
81
117
State Farm
86
123
Allstate
98
139
USAA
98
141
Mile Auto
108
171
Progressive
125
197
GEICO
128
186
Mercury
142
233
State Auto
145
261
Safeco
158
271
Clearcover
161
291
Elephant
165
230
Liberty Mutual
178
310
National General
178
366
AssuranceAmerica
181
307
Direct Auto
186
313
GAINSCO
197
399
Midvale Home & Auto
207
291
Nationwide
208
296
The General
246
410
Infinity
252
453
Bristol West
287
541
Foremost
319
379
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Shop for Cheap Car Insurance in Dalton, GA
Monthly rates start at $41/mo. for minimum coverage in Dalton
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Dalton car insurance quotes by credit tier
Many car insurance companies use credit history as one of the criteria for determining premiums. A handful of states prohibit this practice, but Georgia allows insurers to do it.[9]
In Dalton, car insurance quotes are lowest for those with excellent or good credit. Those with poor credit pay significantly more, so it’s a good idea to work on improving your credit score when you can.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dalton?
Insurance isn’t more expensive in Dalton. Car insurance in Dalton is about on par with the national average. The average cost of full-coverage car insurance in Dalton is $170 per month, while the national average for full coverage is higher, at $214 per month, based on Insurify data.
And full-coverage car insurance in Dalton is cheaper than in Georgia overall ($240 per month) and in Atlanta ($257).
More cities in Georgia
Car insurance in Dalton is relatively inexpensive compared to other cities in Georgia. Below, you can see the average monthly liability-only and full-coverage quotes from other cities. Savannah has the most expensive full-coverage insurance out of these cities, at $265 per month.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Dalton car insurance FAQs
You can learn more about gap coverage before you start shopping to determine if this coverage is right for you. Additionally, check out the answers to common questions about car insurance in Dalton, Georgia.
How much is car insurance in Dalton?
The average cost of car insurance in Dalton, Georgia, is $139 a month — that’s $170 a month for full coverage and $108 for liability coverage.
Which companies have the cheapest car insurance in Dalton?
Hugo has the cheapest car insurance in Dalton, with a monthly liability-only rate of $41. Other affordable insurers include Auto-Owners and COUNTRY Financial, with monthly liability rates of $47 and $51, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Dalton?
A couple of the best car insurance companies in Dalton are Auto-Owners and State Farm. These two insurers have high Insurify Quality Scores, strong J.D. Power ratings, and high financial stability ratings. But you should always get a free car insurance quote from multiple companies to find the right coverage at the best price for you.
What factors affect the cost of car insurance in Dalton?
Your age, gender, vehicle, credit score, and past driving history affect the cost of your car insurance in Dalton. Additionally, accident and theft rates in the area influence how much insurers charge policyholders.[3]
Is Georgia a no-fault state?
No, Georgia is not a no-fault state. Georgia follows a fault-based system, which means drivers who cause car accidents are responsible for paying for the resulting property damage and medical costs.[4]
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.