Cheapest Auto Insurance in Lawrenceville, Georgia (2024)
Auto-Owners offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $68 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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Main architect of the Insurify Quality Score
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Updated November 21, 2024
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Table of contents
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 $279 per month for full coverage and $182 per month for liability only. By comparison, the Georgia state averages are $244 and $152, respectively, while the national averages are $204 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.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial have the cheapest insurance in Lawrenceville.
Full-coverage car insurance in Lawrenceville is more expensive than the national average and the state average.
New legislation in Georgia prevents insurers from raising rates as much as 25% per rate filing.
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $93 | $58 | Liability-only coverage |
| State Farm | 9.3 | $100 | $63 | High school and college students |
| COUNTRY Financial | 8.8 | $101 | $63 | Discounts and bundling |
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.
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 28,000 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 | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /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. | $68/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. | $109/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 your goal is to find the lowest rates for car insurance in Lawrenceville, Auto-Owners offers some of the cheapest monthly rates in the city. It has a strong A++ financial rating from AM Best and offers various auto insurance coverages, like purchase price guarantee, gap coverage, rental car coverage, and common loss deductible. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local independent agent.
Pros
Lower average rates than competitors
Coverage available for diverse vehicle types
Cons
Multiple National Association of Insurance Commissioners (NAIC) complaints in Georgia
Can’t purchase a policy online
Best insurer for high school and college students: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $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. | $117/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
Finding cheap car insurance for teens can be difficult, but young drivers in Lawrenceville can look to State Farm for help. It offers discounts for drivers 25 and younger, including for students with good grades and college students away from home without access to a vehicle. But some discounts, such as Steer Clear and Accident Forgiveness, require three years of maintaining a clean driving record, which may be difficult for young drivers.
Pros
Discounts for students at home and away at school
Rideshare insurance available
Cons
Some discounts requires three years of safe driving
No gap insurance
Best insurer for discounts and bundling: COUNTRY Financial
| User Reviews | 3.6 |
|---|---|
| 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. | 8.8 /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. | $74/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. | $118/mo |
3.6
A solid optionBased on 38 verified guest reviews and ratings
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (26)
Chloe
October 19, 2024
Verified Review
Unaffordable Rates That Increase Monthly
Terrible, I wouldn't ever recommend Country Financial to anyone. My policy kept increasing monthly without any explanation, despite not having any new accidents or tickets. They didn't offer many discounts and it became unaffordable very quickly.
James
October 8, 2024
Verified Review
Insurance Cost
The rates are increasing very quickly.
Dayna
September 17, 2024
Verified Review
Goodbye, Country Financial
I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.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 is one of the lowest-cost auto insurers in Lawrenceville. Average rates are competitive with other companies, while unique discounts for engaged couples, college grads, and more yield even lower rates. For policyholders interested in bundling life insurance, business insurance, or other policies, COUNTRY Financial can also combine these products under a single policy for discounts.
Pros
Unique discounts available
Plenty of bundling options
Cons
Legacy discounts require multiple policies
No rideshare insurance in GA
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: Auto-Owners
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 $182 per month, on average.
Here are the cheapest car insurance companies for liability insurance in Lawrenceville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $68 |
| State Farm | $72 |
| COUNTRY Financial | $74 |
| Allstate | $79 |
| USAA | $85 |
| Mile Auto | $89 |
| Progressive | $106 |
| Safeco | $114 |
| GEICO | $118 |
| Mercury | $128 |
| Clearcover | $151 |
| Liberty Mutual | $166 |
| Nationwide | $175 |
| Direct Auto | $176 |
| GAINSCO | $186 |
| AssuranceAmerica | $198 |
| National General | $214 |
| The General | $256 |
| Infinity | $257 |
| Bristol West | $258 |
| Foremost | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lawrenceville: Auto-Owners
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 $279 per month, on average.
Here are the cheapest full-coverage auto insurers in Lawrenceville to help you start your search.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $109 |
| State Farm | $117 |
| COUNTRY Financial | $118 |
| Allstate | $127 |
| USAA | $137 |
| Mile Auto | $151 |
| Safeco | $177 |
| GEICO | $189 |
| Progressive | $189 |
| Mercury | $210 |
| Clearcover | $270 |
| Nationwide | $282 |
| Liberty Mutual | $294 |
| Direct Auto | $301 |
| National General | $321 |
| AssuranceAmerica | $336 |
| GAINSCO | $368 |
| Foremost | $377 |
| The General | $436 |
| Infinity | $457 |
| Bristol West | $489 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lawrenceville, Georgia
Drivers in and around Lawrenceville, Georgia have found policies from AssuranceAmerica, Mile Auto, First Acceptance, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lawrenceville, Georgia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per incident |
| Property damage liability | $25,000 per incident |
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: Auto-Owners
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 $390 per month for full coverage and $254 for liability only.
Here are the cheapest minimum-coverage car insurance quotes in Lawrenceville for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $68 | $89 |
| State Farm | $72 | $92 |
| COUNTRY Financial | $74 | $99 |
| Allstate | $79 | $102 |
| USAA | $85 | $110 |
| Mile Auto | $89 | $116 |
| Progressive | $106 | $136 |
| Safeco | $114 | $150 |
| GEICO | $118 | $153 |
| Mercury | $128 | $178 |
| Clearcover | $151 | $197 |
| Liberty Mutual | $166 | $232 |
| Nationwide | $175 | $229 |
| Direct Auto | $176 | $228 |
| GAINSCO | $186 | $260 |
| AssuranceAmerica | $198 | $256 |
| National General | $214 | $279 |
| The General | $256 | $338 |
| Infinity | $257 | $344 |
| Bristol West | $258 | $337 |
| Foremost | $291 | $406 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
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 $411 per month for full coverage and $268 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $68 | $94 |
| State Farm | $72 | $98 |
| COUNTRY Financial | $74 | $106 |
| Allstate | $79 | $108 |
| USAA | $85 | $117 |
| Mile Auto | $89 | $125 |
| Progressive | $106 | $146 |
| Safeco | $114 | $155 |
| GEICO | $118 | $162 |
| Mercury | $128 | $188 |
| Clearcover | $151 | $223 |
| Liberty Mutual | $166 | $242 |
| Nationwide | $175 | $242 |
| Direct Auto | $176 | $247 |
| GAINSCO | $186 | $245 |
| AssuranceAmerica | $198 | $266 |
| National General | $214 | $293 |
| The General | $256 | $358 |
| Infinity | $257 | $345 |
| Bristol West | $258 | $354 |
| Foremost | $291 | $425 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
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 $467 per month for full coverage and $304 for liability only after a DUI conviction.
Here are the cheapest auto insurers for drivers with a DUI in Lawrenceville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $68 | $113 |
| State Farm | $72 | $120 |
| COUNTRY Financial | $74 | $123 |
| Allstate | $79 | $131 |
| USAA | $85 | $141 |
| Mile Auto | $89 | $148 |
| Progressive | $106 | $176 |
| Safeco | $114 | $176 |
| GEICO | $118 | $196 |
| Mercury | $128 | $197 |
| Clearcover | $151 | $251 |
| Liberty Mutual | $166 | $276 |
| Nationwide | $175 | $291 |
| Direct Auto | $176 | $292 |
| GAINSCO | $186 | $309 |
| AssuranceAmerica | $198 | $329 |
| National General | $214 | $355 |
| The General | $256 | $425 |
| Infinity | $257 | $427 |
| Bristol West | $258 | $428 |
| Foremost | $291 | $483 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $219 per month for full coverage and $143 for liability only.
To start your search for cheap auto insurance companies in Lawrenceville in your senior years, check out the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $66 |
| State Farm | $42 | $68 |
| COUNTRY Financial | $46 | $73 |
| Allstate | $51 | $81 |
| Mile Auto | $53 | $90 |
| Progressive | $55 | $98 |
| USAA | $55 | $89 |
| GEICO | $75 | $120 |
| Mercury | $85 | $140 |
| Safeco | $86 | $134 |
| Nationwide | $97 | $156 |
| Direct Auto | $110 | $188 |
| Liberty Mutual | $116 | $205 |
| Clearcover | $118 | $211 |
| AssuranceAmerica | $125 | $212 |
| National General | $131 | $197 |
| GAINSCO | $142 | $280 |
| Infinity | $160 | $285 |
| Bristol West | $170 | $322 |
| The General | $175 | $297 |
| Foremost | $195 | $252 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
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 $554 per month for full coverage and $361 for liability only.
The table below shows the cheapest auto insurers in Lawrenceville for teens and young adults.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $117 | $186 |
| Auto-Owners | $124 | $199 |
| State Farm | $134 | $218 |
| Allstate | $152 | $245 |
| USAA | $155 | $249 |
| Mile Auto | $185 | $314 |
| Progressive | $201 | $359 |
| GEICO | $205 | $329 |
| Safeco | $236 | $366 |
| Mercury | $245 | $401 |
| Clearcover | $299 | $535 |
| Liberty Mutual | $309 | $547 |
| Nationwide | $331 | $533 |
| Direct Auto | $347 | $593 |
| GAINSCO | $348 | $688 |
| AssuranceAmerica | $392 | $665 |
| The General | $443 | $754 |
| National General | $452 | $678 |
| Bristol West | $471 | $893 |
| Infinity | $498 | $886 |
| Foremost | $559 | $724 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
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 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 $182 for liability only and $279 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.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Athens | $136 | $205 |
| Atlanta | $226 | $295 |
| Augusta | $145 | $234 |
| Columbus | $146 | $246 |
| Gainesville | $142 | $214 |
| Marietta | $182 | $251 |
| Savannah | $176 | $259 |
| Woodstock | $162 | $234 |
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.
Lawrenceville car insurance FAQs
Read Insurify’s report on why car insurance rates are increasing, and check out the answers to common questions about Lawrenceville car insurance.
How much is car insurance in Lawrenceville?
The average cost of car insurance in Lawrenceville is $182 per month for liability only and $279 per month for full coverage.
Which companies have the cheapest car insurance in Lawrenceville?
Auto-Owners has the cheapest car insurance in Lawrenceville, with a monthly liability-only rate of $68. Other affordable insurers include State Farm and COUNTRY Financial, with liability rates of $72 and $74 per month, respectively.
The cheapest car insurance company for you will depend on many factors, including your vehicle, gender, ZIP code, age, and driving history.
What are the best car insurance companies in Lawrenceville?
Some of the best car insurance companies in Lawrenceville include Auto-Owners, State Farm, and COUNTRY Financial. These auto insurers 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 unique needs. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.
Is car insurance cheaper in Georgia?
No. Car insurance is generally more expensive in Georgia. The state’s average rates of $152 per month for liability coverage and $244 per month for full coverage are higher than the national averages of $104 per month for liability coverage and $204 per month for full coverage.
Rates could be more expensive in Georgia because it was one of the states with the most car accidents in 2022, according to Insurify data, and its car ownership costs — including vehicle maintenance — are higher than average.
What factors can affect your car insurance premium in Lawrenceville?
Factors outside of your control that influence the cost of your car insurance in Lawrenceville 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 score, vehicle type, and coverage options.[2]
Methodology
Insurify data scientists analyzed more than 90 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 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- U.S. Census Bureau. "QuickFacts, Lawrenceville city, Georgia."
- III. "What determines the price of an auto insurance policy?."
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
- Lawrenceville Georgia. "School Zone Speed Cameras."
- Georgia Department of Driver Services. "DUI Data Reports."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
- National Highway Traffic and Safety Administration. "Traffic Safety Facts 2021."
- Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
- Georgia Bureau of Investigation. "Crime Statistics."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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