Cheapest Auto Insurance in Valdosta, Georgia (2024)
Valdosta drivers can find quotes for liability-only car insurance as low as $43 from Hugo.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Updated October 30, 2024
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Table of contents
Drivers in Valdosta, Georgia, can find the best auto insurance rates with Hugo, Auto-Owners, State Farm, and COUNTRY Financial. On average, car insurance in Valdosta costs $147 per month overall. This is much lower than the overall average in Georgia of $196 and slightly lower than the national overall average of $158. It’s possible that the relatively small population of the city (around 55,000) contributes to these lower rates. Fewer people means fewer accidents on the road.
Insurance companies determine your auto premium based on the coverage amount and type you choose, as well as your driving record, age, marital status, vehicle type, and more. You have a number of quality options available in Valdosta, and you can find the one for you by comparing car insurance quotes.
3 of the cheapest car insurance companies in Valdosta
The cheapest car insurance option for another driver may not offer the best rates for you. Premiums can vary widely from one person to the next because of unique driver situations and coverage needs. It’s important to tailor your search to your age, driving record, and other factors that affect premiums.
Valdosta residents have plenty of different companies to choose from for a liability or full-coverage policy. The following insurers offer quality coverage at an affordable price.
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 | $94 | $59 | Senior drivers |
| State Farm | 9.3 | $101 | $64 | Drivers with an incident |
| COUNTRY Financial | 8.8 | $102 | $65 | Teen drivers |
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 for senior drivers: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| 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. | $49/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. | $74/mo |
Founded in Michigan in 1926, Auto-Owners is one of America’s largest property and casualty insurance companies by market share.[3] The company serves nearly 3 million customers who purchase policies through local agents. Auto-Owners earned an AM Best financial strength rating of A++ (Superior).
Pros
Policies sold through local agents
Mutual insurance company owned by policyholders
Cons
Rideshare insurance not available
Customers must file claims over the phone
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best for drivers with an incident: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $53/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. | $79/mo |
The largest insurance company in the U.S. by market share, State Farm sells a number of insurance products, including auto, renters, homeowners, and life insurance. The company earned an AM Best financial strength rating of A++ (Superior).
Pros
Mutual insurance company owned by policyholders
Savings of up to 23% possible via bundling discounts
Cons
Gap insurance not available
Some negative Better Business Bureau (BBB) customer reviews
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best for teen drivers: COUNTRY Financial
Country FinancialCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 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. | $53/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. | $81/mo |
Originally founded by farmers, COUNTRY Financial has been in business for more than 95 years. Though a fairly small company, COUNTRY Financial has agents serving customers throughout 19 states, including 50 agents in Valdosta. The company earned an AM Best financial strength rating of A+ (Superior).
Pros
Full-service financial services company
Limited number of available discounts
Cons
Rideshare insurance not available
Customer service unavailable on Sundays (except for claims)
Read more driver reviews of Country Financial
Chloe - October 19, 2024
Verified
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
Insurance Cost
The rates are increasing very quickly.
Dayna - September 17, 2024
Verified
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.
…
How to get the cheapest car insurance in Valdosta
Before you start shopping for the best price for car insurance, you should evaluate your specific coverage needs. For example, liability and full-coverage insurance differ in coverage level and price significantly, so you should only pay for what you need.
Next, shop around to find the cheapest coverage. Drivers earn different rates in Valdosta depending on their driver profile, but finding low rates from an insurance company can save you a lot of money on annual premiums.
You can also earn cheaper rates through the following ways:[4]
Select a higher deductible.
Bundle policies with the same insurer.
Improve your credit to improve your insurance score.
Use discounts available through your employer, professional organization, or other group.
Research discounts you may qualify for, such as a safe driver discount.
Cheapest liability-only car insurance in Valdosta: Hugo
Liability insurance only covers costs related to any damage and injury you cause other drivers and their passengers.[5] Liability-only policies in Valdosta cost $108 per month, on average. Here’s how much you can expect to pay for liability coverage in Valdosta.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $43 |
| Auto-Owners | $49 |
| COUNTRY Financial | $53 |
| State Farm | $53 |
| Allstate | $57 |
| Mile Auto | $58 |
| USAA | $61 |
| Progressive | $71 |
| Safeco | $75 |
| GEICO | $85 |
| Mercury | $88 |
| Clearcover | $92 |
| Elephant | $106 |
| Liberty Mutual | $106 |
| Direct Auto | $107 |
| AssuranceAmerica | $108 |
| GAINSCO | $118 |
| Midvale Home & Auto | $118 |
| National General | $123 |
| Nationwide | $126 |
| Infinity | $155 |
| The General | $161 |
| Bristol West | $178 |
| Foremost | $192 |
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 Valdosta: Auto-Owners
Full-coverage insurance includes liability, collision, and comprehensive coverage. Collison insurance covers your vehicle damage following a collision with another vehicle or object, regardless of fault. Comprehensive coverage pays for damages from a non-collision incident, like severe weather, vandalism, or fire. Drivers in Valdosta pay an average of $186 per month for full-coverage insurance.
Here’s what you can expect to pay for full coverage in Valdosta.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $74 |
| State Farm | $79 |
| COUNTRY Financial | $81 |
| Allstate | $87 |
| USAA | $93 |
| Mile Auto | $97 |
| Safeco | $121 |
| Progressive | $123 |
| GEICO | $128 |
| Mercury | $137 |
| Elephant | $152 |
| State Auto | $166 |
| Clearcover | $173 |
| Hugo | $174 |
| Midvale Home & Auto | $181 |
| AssuranceAmerica | $188 |
| Liberty Mutual | $191 |
| Nationwide | $191 |
| Direct Auto | $195 |
| National General | $209 |
| Foremost | $239 |
| GAINSCO | $240 |
| The General | $276 |
| Infinity | $292 |
| Bristol West | $347 |
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 Valdosta, Georgia
Recent Valdosta, Georgia car insurance prices for Nissan, Ford, Toyota , and more.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Valdosta, Georgia within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Georgia, like most states, has minimum coverage requirements that drivers must adhere to. Specifically, drivers in the state need a minimum of bodily injury and property damage liability.[6]
Because Georgia is an at-fault state, the responsible driver’s liability insurance covers damages resulting from a crash or other incident.[7]
Required liability coverage in Georgia includes the following:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $25,000 per accident |
Drivers have the option of adding additional coverage for more protection, such as:
Collision
This covers damage to your car if you have an accident or hit an object.
Comprehensive
If a non-collision incident causes damage to your vehicle, this coverage kicks in.
Uninsured motorist
This protects you if an uninsured driver injures you or causes damage to your vehicle.
Glass coverage
This pays to repair or replace damaged windows, including the windshield, with no deductible.
)
Learn More: Vehicle Inspection Requirements by State
Cheapest car insurance for drivers with an incident
Your risk level determines car insurance rates, so people who are more likely to file a claim may pay more for an auto insurance policy. Insurance companies evaluate risk by looking at many factors, including incidents like at-fault accidents, speeding tickets, driving under the influence, and other moving violations.[8] Any of these incidents can increase rates when your policy renews.
Find Cheap Car Insurance in Valdosta, GA
Monthly rates start at $56 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Hugo
Tickets show up on your motor vehicle record, which your insurer reviews periodically. Because speeding is a risky driving behavior that puts you at greater risk of having an accident, having a ticket on your record could make you lose any good-driver discounts you may have earned. Two or more tickets within a three-year period will likely increase your rate.
The average cost of car insurance for drivers with a speeding ticket in Valdosta is $257 per month for full coverage and $149 for liability only.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Hugo | $43 | $55 |
| Auto-Owners | $49 | $63 |
| COUNTRY Financial | $53 | $70 |
| State Farm | $53 | $67 |
| Allstate | $57 | $73 |
| Mile Auto | $58 | $77 |
| USAA | $61 | $78 |
| Progressive | $71 | $91 |
| Safeco | $75 | $98 |
| GEICO | $85 | $109 |
| Mercury | $88 | $121 |
| Clearcover | $92 | $120 |
| Elephant | $106 | $147 |
| Liberty Mutual | $106 | $147 |
| Direct Auto | $107 | $137 |
| AssuranceAmerica | $108 | $140 |
| GAINSCO | $118 | $164 |
| National General | $123 | $159 |
| Nationwide | $126 | $163 |
| Infinity | $155 | $207 |
| The General | $161 | $209 |
| Bristol West | $178 | $229 |
| Foremost | $192 | $267 |
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: Hugo
Any accident can increase your insurance rate, but an accident you cause will likely result in a significant increase in insurance prices — unless it causes minimal damage or you have accident forgiveness. A serious or total loss can significantly increase your car insurance bills. Though your insurer won’t penalize you forever, it could take a few years before your insurer stops factoring an accident into your premium.
In Valdosta, the average cost of car insurance for drivers with an accident is $269 per month for full coverage and $156 for liability only.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Hugo | $43 | $62 |
| Auto-Owners | $49 | $66 |
| COUNTRY Financial | $53 | $75 |
| State Farm | $53 | $71 |
| Allstate | $57 | $77 |
| Mile Auto | $58 | $82 |
| USAA | $61 | $83 |
| Progressive | $71 | $97 |
| Safeco | $75 | $99 |
| GEICO | $85 | $115 |
| Mercury | $88 | $127 |
| Clearcover | $92 | $134 |
| Elephant | $106 | $140 |
| Liberty Mutual | $106 | $154 |
| Direct Auto | $107 | $148 |
| AssuranceAmerica | $108 | $145 |
| GAINSCO | $118 | $153 |
| National General | $123 | $167 |
| Nationwide | $126 | $172 |
| Infinity | $155 | $206 |
| The General | $161 | $221 |
| Bristol West | $178 | $239 |
| Foremost | $192 | $278 |
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: Hugo
Due to the severity of the offense, a DUI conviction likely has the greatest effect on your insurance rates of all driving incidents. Even if your insurer doesn’t cancel your coverage, a DUI conviction will most likely significantly increase your auto premium. Valdosta drivers can expect to pay an average of $306 per month for full coverage and $178 for liability after a DUI conviction.
After a DUI in Georgia, you need to file an SR-22 form for at least three years. And your DUI won’t drop off your record for 10 years.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Hugo | $43 | $71 |
| Auto-Owners | $49 | $81 |
| COUNTRY Financial | $53 | $87 |
| State Farm | $53 | $87 |
| Allstate | $57 | $94 |
| Mile Auto | $58 | $96 |
| USAA | $61 | $101 |
| Progressive | $71 | $117 |
| Safeco | $75 | $124 |
| GEICO | $85 | $140 |
| Mercury | $88 | $133 |
| Clearcover | $92 | $152 |
| Elephant | $106 | $175 |
| Liberty Mutual | $106 | $175 |
| Direct Auto | $107 | $176 |
| AssuranceAmerica | $108 | $178 |
| GAINSCO | $118 | $195 |
| National General | $123 | $203 |
| Nationwide | $126 | $208 |
| Infinity | $155 | $255 |
| The General | $161 | $265 |
| Bristol West | $178 | $293 |
| Foremost | $192 | $316 |
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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Check Out: How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: Hugo
Though senior drivers typically have lots of experience behind the wheel, aging can cause physical changes that make driving less safe — including effects on vision and memory. And drivers older than 70 have higher crash death rates than middle-aged drivers.[9] That increased risk results in seniors paying slightly more for their insurance, on average.
The average cost of car insurance for senior drivers in Valdosta is $148 per month for full coverage and $86 for liability only.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Hugo | $29 | $115 |
| Auto-Owners | $30 | $45 |
| State Farm | $31 | $46 |
| COUNTRY Financial | $32 | $49 |
| Mile Auto | $35 | $59 |
| Allstate | $37 | $56 |
| Progressive | $37 | $64 |
| USAA | $40 | $61 |
| GEICO | $54 | $82 |
| Safeco | $56 | $90 |
| Mercury | $57 | $89 |
| Clearcover | $67 | $125 |
| AssuranceAmerica | $68 | $118 |
| Direct Auto | $68 | $124 |
| Nationwide | $70 | $106 |
| Elephant | $74 | $106 |
| Liberty Mutual | $74 | $133 |
| National General | $77 | $131 |
| GAINSCO | $90 | $184 |
| Infinity | $96 | $181 |
| The General | $112 | $192 |
| Bristol West | $118 | $230 |
| Foremost | $127 | $158 |
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: Hugo
Teenagers face the highest car insurance rates due to a lack of experience driving, a greater likelihood of risky behavior, and high crash rates. Teen drivers in Valdosta pay an average of $358 per month for full coverage and $208 for liability only.
But if you’re a teen driver, you can save on your premiums in a few different ways, including:
Staying on your parents’ policy instead of getting your own
Driving an inexpensive car
Qualifying for a good-student discount
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Hugo | $74 | $300 |
| COUNTRY Financial | $82 | $125 |
| Auto-Owners | $88 | $132 |
| State Farm | $95 | $142 |
| Allstate | $106 | $162 |
| USAA | $107 | $163 |
| Mile Auto | $118 | $197 |
| Progressive | $133 | $230 |
| GEICO | $142 | $214 |
| Safeco | $157 | $253 |
| Mercury | $166 | $258 |
| Elephant | $183 | $262 |
| Clearcover | $185 | $348 |
| Liberty Mutual | $197 | $355 |
| Direct Auto | $204 | $373 |
| AssuranceAmerica | $209 | $363 |
| GAINSCO | $217 | $440 |
| Nationwide | $229 | $347 |
| National General | $253 | $431 |
| The General | $271 | $465 |
| Infinity | $296 | $557 |
| Bristol West | $317 | $618 |
| Foremost | $359 | $446 |
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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Valdosta car insurance quotes by credit tier
Insurance companies factor credit into insurance rates because people with poor credit have been shown to file more claims than drivers with good or excellent credit. Insurers use your credit history to calculate an insurance score, which helps predict insurance losses.
Each insurance company uses its own method in the insurance score calculation. As you can see from the chart below, your credit can affect your insurance rates.
The averages by credit tier are for full-coverage insurance in Valdosta.
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 Valdosta?
Car insurance costs much less in Valdosta than the state average. Statewide, Georgians pay $196 per month for car insurance, but Valdosta drivers pay $147 per month. On average, drivers in the city pay $108 per month for liability and $186 for full-coverage car insurance.
The city and ZIP code you live in can influence your insurance rates. Drivers in urban neighborhoods, for example, typically pay more because of more accidents and higher crime rates. Valdosta has a relatively small population compared to larger Georgia cities, like Atlanta. The number of weather-related claims in a particular area can also affect rates.
More cities in Georgia
Valdosta drivers earn some of the lowest rates in Georgia — at least compared to several of the most populated cities. On average, Valdosta drivers pay $186 per month for full-coverage insurance. See how that compares to the cities below.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Alpharetta | $176 | $272 |
| Athens | $133 | $209 |
| Atlanta | $222 | $274 |
| Columbus | $140 | $239 |
| Marietta | $174 | $246 |
| Savannah | $179 | $258 |
| Warner Robins | $149 | $235 |
| Woodstock | $163 | $248 |
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.
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Keep Reading: Rideshare Insurance in Georgia
Valdosta car insurance FAQs
If you still have questions about finding car insurance in Valdosta, the information below should help you navigate the decision-making process.
How much is car insurance in Valdosta?
On average, Valdosta drivers pay $147 per month for car insurance. Drivers pay $108 for liability and $186 for full-coverage insurance. The statewide average for car insurance is $196 per month ($148 for liability and $243 for full coverage). Your specific rate will depend on your driving record, credit history, age, and more.
Which companies have the cheapest car insurance in Valdosta?
Hugo has the cheapest car insurance in Valdosta, with a monthly liability-only rate of $43. Other affordable insurers include Auto-Owners and COUNTRY Financial, with liability rates of $49 and $53 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your location, age, gender, driving history, and vehicle.
What are the best car insurance companies in Valdosta?
State Farm is the best car insurance company in Valdosta, due to its IQ Score of 9.3, an AM Best financial strength rating of A++ (Superior), and affordable coverage options. Other top insurers include Auto-Owners and Allstate — with IQ Scores of 8.5 and 8.9, respectively.
Is Georgia a no-fault state?
No. Georgia is an at-fault state. This means drivers who cause an accident must cover the costs of the damage and injuries they cause — typically through their auto insurer.
How much car insurance do you need in Georgia?
Georgia drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You may decide you want additional coverage to protect you and your vehicle.
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.
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More cities in Georgia
Sources
- Georgia Department of Banking and Finance. "Credit Reporting and Credit Scores."
- Insurance Information Institute. "https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists."
- National Association of Insurance Commissioners. "Market Share Reports for Property/Casualty Groups and Companies."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Georgia Office of Commissioner of Insurance and Safety Fire. "Auto Insurance."
- NOLO. "Georgia Car Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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