Cheapest Auto Insurance Quotes in Warner Robins, GA (2024)
Auto-Owners is the cheapest liability auto insurance company in Warner Robins.
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Written byCassie Sheets
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9 years writing data-driven content
Lifestyle contributor to 30+ local news sites
Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.
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Edited byCourtney Mikulski
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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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Updated November 21, 2024
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Table of contents
The central Georgia city of Warner Robins has a population of more than 80,000. The population quadruples when combined with the nearby Robins Air Force Base and several cities within a 30-minute driving radius. With the area’s additional traffic from the military base, finding the right car insurance policy is important.
The overall average monthly cost of car insurance in Warner Robins is $189. Drivers might find a better deal from Auto-Owners, which has liability-only rates of $55 per month.
The average cost of your Georgia car insurance will vary by location and insurer. Insurify analyzed the latest insurance rates in Warner Robins, Georgia, to find the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Georgia is $198 per month, compared to $189 per month in Warner Robins.
Full coverage costs an average of $225 per month in Warner Robins, while liability-only coverage averages $153 per month.
Auto-Owners, State Farm, and COUNTRY Financial have the cheapest liability-only insurance in Warner Robins. It’s always a good idea to compare quotes or talk to an independent agent to find your best personal rate.
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Cheapest liability-only car insurance in Warner Robins: Auto-Owners
Georgia requires all drivers to carry liability insurance, which pays for damages to the other driver’s vehicle if you cause an accident. Liability insurance also includes bodily injury coverage, which reimburses medical payments for the other driver and their passengers.
Car insurance rates vary by city and state due to local factors, including the number of drivers on the road, accident rates, and vehicle theft rates in the area. Georgia’s fatal car accident rate is higher than the national average, at 16.7 deaths per 100,000 residents compared to 12.9 nationwide, according to Insurance Institute for Highway Safety (IIHS) data.[1]
Liability-only insurance costs an average of $152 per month in Georgia and $153 in Warner Robins, compared to the national average of $104 per month.
The table below shows the cheapest liability insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| COUNTRY Financial | $60 |
| Allstate | $65 |
| USAA | $70 |
| Mile Auto | $73 |
| Progressive | $87 |
| Safeco | $94 |
| GEICO | $96 |
| Mercury | $105 |
| Clearcover | $123 |
| Liberty Mutual | $136 |
| Nationwide | $143 |
| Direct Auto | $144 |
| GAINSCO | $152 |
| AssuranceAmerica | $162 |
| National General | $175 |
| The General | $209 |
| Infinity | $210 |
| Bristol West | $211 |
| Foremost | $238 |
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.
How Warner Robins car insurance rates stack up
In the table below, you can see how car insurance rates in Warner Robins compare to some other Georgia cities.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Albany | $135 | $217 |
| Athens | $136 | $205 |
| Atlanta | $226 | $295 |
| Lawrenceville | $182 | $279 |
| Macon | $194 | $306 |
| Marietta | $182 | $251 |
| Savannah | $176 | $259 |
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.
How to get cheap car insurance in Warner Robins
Here are some tips on getting cheap car insurance in Warner Robins, GA:
Look for discounts. Car insurance companies offer rate reductions for many reasons. If you sign up for automatic payments, maintain a clean driving record, insure multiple vehicles, or bundle your policies, you can usually get a discount.
Reduce optional coverage. If you have an older vehicle that’s worth less than your annual premiums for collision and comprehensive insurance, you can probably drop those coverages to save some money.
Increase your deductible. A higher deductible typically means lower car insurance premiums. Just make sure you can afford the out-of-pocket costs when you file a claim before increasing your deductible.
Compare quotes and switch. Before your policy renews, shop around for car insurance quotes to see if any other insurers can offer you better rates.
Car insurance requirements in Georgia
The minimum liability insurance requirements for private passenger vehicles in Georgia are as follows:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
| Uninsured motorist property damage | $25,000 per accident |
Warner Robins car insurance rates by driver age
As drivers gain more experience behind the wheel, their car insurance rates tend to decrease as long as they keep a clean driving record. Here’s how age affects rates in Warner Robins.
Driver Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $636 |
| 20s | $383 |
| 30s | $256 |
| 40s | $315 |
| 50s | $249 |
| 60s | $227 |
| 70s | $263 |
| 80s | $211 |
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.
Warner Robins car insurance rates by driving history
Insurance companies also look at your driving record when setting your car insurance rates. Drivers with clean records tend to pay the best rates, while high-risk drivers in Georgia with accidents, tickets, driving under the influence (DUI) convictions, and other infractions pay more.
The severity of the infraction or incident also affects your rates. For example, Warner Robins drivers with a speeding ticket pay an overall average of $264 per month, but drivers with DUIs pay an average of $316 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Speeding Ticket ▲▼ | With Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $55 | $72 | $76 | $91 |
| State Farm | $59 | $76 | $80 | $98 |
| COUNTRY Financial | $60 | $80 | $86 | $100 |
| Allstate | $65 | $84 | $89 | $108 |
| USAA | $70 | $91 | $96 | $116 |
| Mile Auto | $73 | $95 | $103 | $121 |
| Progressive | $87 | $112 | $120 | $144 |
| Safeco | $94 | $124 | $128 | $145 |
| GEICO | $96 | $124 | $132 | $159 |
| Mercury | $105 | $146 | $154 | $161 |
| Clearcover | $123 | $160 | $181 | $204 |
| Liberty Mutual | $136 | $190 | $199 | $226 |
| Nationwide | $143 | $187 | $198 | $237 |
| Direct Auto | $144 | $187 | $202 | $239 |
| GAINSCO | $152 | $212 | $200 | $252 |
| AssuranceAmerica | $162 | $210 | $218 | $269 |
| National General | $175 | $228 | $240 | $291 |
| The General | $209 | $276 | $292 | $347 |
| Infinity | $210 | $281 | $282 | $349 |
| Bristol West | $211 | $275 | $289 | $350 |
| Foremost | $238 | $332 | $348 | $395 |
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.
Warner Robins car insurance quotes by credit tier
While some states prohibit insurers from using credit history when setting car insurance rates, Georgia allows it.[3] Poor credit usually results in more expensive car insurance premiums, but drivers with good or excellent credit tend to pay cheaper premiums.
Here’s how your credit affects rates in Warner Robins.
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.
Warner Robins car insurance FAQs
Understand how much car insurance you need before shopping for quotes. Here are the answers to common questions about auto coverage in Warner Robins.
What is the average cost of car insurance in Warner Robins, GA?
The average cost of car insurance in Warner Robins, Georgia, is $189 per month. This factors in liability and full-coverage rates. Liability-only policies fulfill the minimum insurance requirements in Georgia. Liability-only rates are cheaper than full coverage, which includes comprehensive and collision insurance.
Residents of Warner Robins pay an average of $225 per month for full-coverage insurance, and liability-only policies average $153. Comparing rates with multiple insurance companies can help you find the best price.
Who has the cheapest car insurance in Warner Robins, GA?
Auto-Owners provides the cheapest liability-only insurance in Warner Robins, with a monthly rate of $55. State Farm also provides affordable car insurance, at $59 monthly. The third most affordable auto insurance company in Warner Robins is COUNTRY Financial, with liability-only rates of $60.
The cheapest insurance company will vary by driver based on factors like driving history, ZIP code, type of car, and years of experience. Comparing different rates, bundling your auto and homeowners insurance, and talking to an insurance agent about discounts are the best ways to get a good deal on car insurance.
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
- Insurance Institute for Highway Safety. "State by state."
- Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Georgia Attorney General's Consumer Protection Division. "Credit Reports and Credit Score."
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Cassie SheetsData Journalist
Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.
Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.
Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.
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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