Cheapest Auto Insurance in Lawrenceville, Georgia (2024)

On the very outskirts of Atlanta sits Lawrenceville, a city with a population of around 30,000 and car insurance rates that are more expensive than the national and state averages.

Car insurance rates in Lawrenceville average $262 per month for full coverage and $170 per month for liability only. By comparison, the Georgia state averages are $240 and $145, respectively, while the national averages are $214 and $104.

Multiple factors likely account for the city's higher-than-average car insurance costs. Lawrenceville has a high population density of more than 2,200 residents per square mile.^[1] With a median commute time of 33 minutes, Lawrenceville drivers likely drive a relatively high number of miles. Higher mileage driving can increase the risk of being involved in an accident.

Lawrenceville drivers can find cheap car insurance by comparing quotes from multiple companies, and maintaining clean driving records.

Best car insurance companies in Lawrenceville

You have dozens of options for car insurance in Lawrenceville, but the cheapest option may not always be the best. Affordability is key, but it’s also critical that you get the exact coverage you need. Look to insurers like Auto-Owners, State Farm, and COUNTRY Financial to find the cheapest rates in Lawrenceville that suit your personal insurance needs.

Best insurer for liability-only coverage: Auto-Owners

Best insurer for high school and college students: State Farm

Best insurer for discounts and bundling: COUNTRY Financial

How to get the cheapest car insurance in Lawrenceville

Georgia drivers have different insurance needs, which means Lawrenceville drivers may not want the same policy as Atlanta drivers. For instance, drivers who spend more time driving leisurely in rural areas may not need the same coverage as a city commuter.

A number of factors influence your rate — like your age, credit score, and ZIP code — but you can still save money regardless of these factors.^[2]

Consider these tips for getting cheap auto insurance coverage in Lawrenceville:

• Increase your deductible. Agreeing to pay more out of pocket when you file a claim can reduce your monthly premiums. Just make sure you can afford the up-front cost if you need to file a claim.

• Reconsider coverage. Reduce optional insurance if the market value of your vehicle is less than 10 times your premium. This can help you save money on monthly insurance costs.

• Look for discounts. Insurers offer discounts to policyholders for various reasons. You can usually get a premium reduction if you set up automatic payments, have paperless billing, bundle policies, and insure more than one car.

• Compare quotes. Shop around and compare prices through other insurers to make sure you’re getting the best rates available to you in Lawrenceville.

Cheapest liability-only car insurance in Lawrenceville: Hugo

Auto insurance companies like State Farm, McLellan & Gilbreath, and Cowart Insurance Agency offer different insurance policies, but Lawrenceville drivers don’t have to purchase every insurance product they offer.

Georgia state law only requires drivers to have a certain amount of liability insurance. Liability coverage pays for the damages and injuries you cause in an at-fault accident. Liability-only policies in Lawrenceville cost $170 per month, on average.

Here are the cheapest car insurance companies for liability insurance in Lawrenceville.

Cheapest full-coverage car insurance in Lawrenceville: Hugo

Whereas liability-only coverage protects against the injuries and damages someone else sustains when you cause an accident, full-coverage insurance pays for damages that you, your property, and your passengers sustain.

Insurers don’t have a standard definition of full-coverage car insurance, though many insurers include comprehensive, collision, and liability coverages in their full-coverage offerings. For Lawrenceville drivers, full coverage can cost around $262 per month, on average.

Here are the cheapest full-coverage auto insurers in Lawrenceville to help you start your search.

Car insurance requirements in Georgia

Georgia auto insurance requirements are similar to many other tort states, also called at-fault states, in that they include bodily damage liability and property damage liability. All Georgia drivers must meet the following minimum insurance levels required by state law, though many drivers choose to purchase more coverage.^[3]

Different optional coverages are available, some of which are unique to the insurer. You can typically find these types of optional insurance products from most national insurance companies and independent agents:

• 

  Collision coverage

  Collision coverage pays for vehicle damages from incidents when your car hits a stationary object or another vehicle, even if you’re at fault.

• 

  Comprehensive coverage

  Comprehensive coverage pays for damages to your vehicle from non-collision events, like theft, vandalism, severe weather, objects falling on your car, and more.

• 

  Towing, labor, and rental reimbursement coverage

  These coverages may be separate or packaged together. Towing and labor provides coverage to get your car to a shop and repaired, while rental reimbursement covers rental car expenses while your car is in the shop.

• 

  Medical payments coverage

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

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for your injuries and damages when a driver without insurance — or not enough car insurance — causes an accident with you.

Georgia House Bill 221

Even if you have a clean driving record, your rates could increase for a number of reasons between policy renewals. Insurance companies in Georgia used to exploit a loophole that allowed them to raise rates up to 25% in a single filing.

Recently, Georgia Gov. Brian Kemp passed legislation that went into effect in July 2023 to close this loophole. Now, the Insurance and Safety Fire Commissioner can review all car insurance rate filings to assess the reason for the increase before it affects policyholders.^[4]

Cheapest car insurance for drivers with an incident

Your driving record includes incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, and other violations. Many moving violations and traffic infractions can increase how much you pay for car insurance in Lawrenceville.

Here are the cheapest auto insurers in Lawrenceville based on your driving record.

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Cheapest car insurance for drivers with a speeding ticket: Hugo

Lawrenceville drivers should be aware that both the police and insurance companies take speeding seriously. For instance, cops are cracking down on speeding in school zones in 2023 because a study showed that 25% of Lawrenceville drivers drove 11 mph faster than the speed limit in these zones.^[5]

Speed is a major factor in fatal car crashes. When you get a speeding ticket, insurers take this as a sign of poor driving habits and may increase your premium. The average cost of car insurance for drivers with a speeding ticket in Lawrenceville is $381 per month for full coverage and $247 for liability only.

Here are the cheapest minimum-coverage car insurance quotes in Lawrenceville for drivers with a speeding ticket.

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

Causing a fender bender at the Gwinnett County Fairgrounds might not be the biggest mistake you can make, but it’s an at-fault accident all the same and will likely raise your rates. Car accident claims cost your insurer money, which is why it raises your premium to recoup its losses (unless you have accident forgiveness).

In Lawrenceville, the average cost of car insurance for drivers with an accident is $398 per month for full coverage and $258 for liability only.

Below are the auto insurers in Lawrenceville with affordable monthly liability-only quotes for drivers with an at-fault accident on their records.

Cheapest car insurance for drivers with a DUI: Hugo

A DUI is one of the worst incidents you can have on your record. Your insurance company could cancel or not renew your policy if you have a DUI conviction. Drivers with DUIs can still find coverage from insurers who cater to high-risk drivers, but it’s important not to take such a risk in the first place.

Between 2017 and 2020, Georgia drivers received just less than 76,000 DUI convictions. Approximately 7% of these were for drivers in Gwinnett County.^[6] Lawrenceville drivers can expect to pay an average of $450 per month for full coverage and $292 for liability only after a DUI conviction.

Here are the cheapest auto insurers for drivers with a DUI in Lawrenceville.

Cheapest car insurance for seniors: Auto-Owners

Car insurance premiums tend to decrease around age 35 for drivers but increase again in older age groups due to declining health. Problems with vision and movement, as well as increased medication use, could increase the potential for being in an accident.^[7]

Senior drivers tend to pay cheaper premiums than other age groups, especially young, inexperienced drivers. The average cost of car insurance for senior drivers in Lawrenceville is $203 per month for full coverage and $132 for liability only.

To start your search for cheap auto insurance companies in Lawrenceville in your senior years, check out the table below.

Cheapest car insurance for teens: Hugo

In 2021, drivers between 15 and 20 years old represented 5% of all licensed drivers, though they represented 8.4% of all fatal crashes.^[8] Teens have higher car insurance rates because of their disproportionate crash rates. Overconfidence, lack of experience, and more distractions increase the likelihood of crashing.

Keeping a clean record is the first way to get the lowest rates. Young drivers should also consider driving a car with the latest safety features, staying on their parents’ policies, and looking for good student discounts to save more. Teen drivers in Lawrenceville pay an average of $470 per month for full coverage and $305 for liability only.

The table below shows the cheapest auto insurers in Lawrenceville for teens and young adults.

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Lawrenceville car insurance quotes by credit tier

Although Georgia House Bill 221 limits how much an insurer can raise your rates, you should also be aware of the many unique factors that could lead to a rate increase. Credit history is one of them: Georgia auto insurance companies are allowed to decide your policy eligibility and rate using information from your credit history.^[9]

As shown below, drivers with poor credit generally pay more for car insurance than drivers with excellent or good credit.

Is car insurance more expensive in Lawrenceville?

Car insurance in Lawrenceville is more expensive than the national average but cheaper than in some Georgia metropolitan areas.

Lawrenceville’s average monthly rates for car insurance are $170 for liability only and $262 for full coverage. Factors like an area’s rate of accidents and motor vehicle theft affect car insurance premiums for everyone in the city.

Lawrenceville’s average car insurance costs are similar to the state average but still cheaper than in cities like Atlanta and Savannah. In 2021, Fulton County had around 4,200 vehicle thefts, while Gwinnett County had around 200, which contributes to Lawrenceville’s comparatively cheaper rates.^[10]

More cities in Georgia

Here’s how the average full-coverage car insurance quotes in Lawrenceville compare to average quotes in other Georgia cities.

Lawrenceville car insurance FAQs