Cheapest Auto Insurance in Woodstock, Georgia (2024)
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $58 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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Updated November 21, 2024
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Table of contents
Woodstock, Georgia, sits just north of Atlanta, offering residents both a quick route into the capital and a quiet suburban town where they can escape the hustle and bustle of the city. Whether they’re driving to a Falcons game or making a quick trip to Red Top Mountain State Park, Woodstock drivers pay an average of $162 per month for liability-only car insurance and $234 per month for full coverage.
Although Georgia law only requires liability auto insurance coverage, Woodstock drivers can look to both locally owned companies, like Mountain Lakes Insurance Agency, and nationally known insurance companies, like State Farm, to find a variety of coverage options to suit their needs. Here, you can learn how to compare rates and see what people in Woodstock pay for car insurance.
Quick Facts
The cheapest insurers in Woodstock are Auto-Owners, State Farm, and COUNTRY Financial.
Woodstock’s overall average car insurance rate is $198 per month.
Georgia’s new legislation limits how much insurers can increase rates in the state.[1]
3 of the cheapest car insurance companies in Woodstock
Woodstock drivers have dozens of options for car insurance, though not every insurer will meet your needs. Instead of looking solely at price, compare the coverage levels, discounts, and factors like customer service ratings to determine which insurer offers the best overall experience for your 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 | Rideshare drivers |
| COUNTRY Financial | 8.8 | $101 | $63 | Discounts |
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. | $58/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. | $93/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
Georgia is one of the limited states that Auto-Owners operates in, allowing Woodstock drivers to receive the lowest average insurance rates available. It has a strong A++ financial rating from AM Best and offers various auto insurance products, including motorcycles, converted vehicles, and classic or antique cars. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local, independent agent.
Auto-Owners also has a significant number of complaints in Georgia compared to most other states it offers auto insurance in, according to the National Association of Insurance Commissioners (NAIC) consumer complaint index.
Pros
Mobile Response Vehicles and storm teams available
Highly rated claims service
Cons
More NAIC complaints in GA than most states
Customers can’t purchase a policy online
Best insurer for rideshare drivers: 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. | $62/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. | $100/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
If you’re a rideshare driver in Woodstock, you may benefit from State Farm’s low-cost auto coverage options. It offers basic liability and full-coverage policies at a lower average rate than other Woodstock insurers, and you can easily add transportation network company (TNC) coverage to your policy.
While it does offer a number of coverages to protect your car before, during, and following a rideshare job, State Farm doesn’t offer gap insurance. So Woodstock drivers with brand-new vehicles may be at a higher risk of loss.
Pros
Easy-to-add rideshare coverage
High AM Best and S&P ratings
Cons
Can’t purchase a policy online
No gap insurance
Best insurer for discounts: 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. | $63/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. | $101/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 may not be as well-known as other insurers, but its 95-year history and A+ AM Best rating make it a strong contender for Woodstock drivers. Offering rates comparable to other insurers, COUNTRY Financial stands out with its diverse coverages, discounts, and products. Discounts are available for engaged couples, teachers, first responders, and students. But restrictions apply for legacy discounts.
Pros
Unique discounts
Diverse coverage options
Cons
No rideshare insurance in GA
Legacy discounts require multiple policies
How to get the cheapest car insurance in Woodstock
Drivers can save money on car insurance and get the cheapest car insurance in Woodstock with a combination of strategies. Whether you commute to Atlanta for work or rarely take your car on I-575, consider these ways to get cheaper car insurance in Georgia:
Raise your deductible. Higher deductibles often lead to lower premiums. If you can afford a higher deductible when you file a claim, you can save money on your policy’s premiums.
Bundle policies. If you buy auto insurance and another policy with the same insurer, such as home insurance, renters insurance, or life insurance, you can usually get a discount for both policies.
Qualify for discounts. Insurers often offer a long list of discounts that drivers can qualify for to save money on car insurance. Discounts include good grades, vehicle safety features, low mileage, pay in full, and more.
Reconsider coverage. If you drive an older-model vehicle, consider reducing optional coverages or removing them altogether. The more coverage you have, the more you pay for car insurance.
Keep in Mind
Multiple factors influence your rates, like your long-term driving record and the number of miles you drive each year. Talk to your insurer to discover ways you can save specific to your driving habits and coverage needs.
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Cheapest liability-only car insurance in Woodstock: Auto-Owners
Liability car insurance covers the injuries and damages you cause another car or person in an at-fault accident. Georgia law requires liability insurance coverage, and all drivers must meet a specific level of bodily and property liability insurance. This coverage doesn’t pay for damages that you cause to yourself, your passengers, or your vehicle.
Liability-only policies in Woodstock cost $162 per month, on average. Here’s a look at the cheapest liability-only car insurance companies in Woodstock.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $58 |
| State Farm | $62 |
| COUNTRY Financial | $63 |
| Allstate | $68 |
| USAA | $73 |
| Mile Auto | $76 |
| Progressive | $91 |
| Safeco | $98 |
| GEICO | $101 |
| Mercury | $110 |
| Clearcover | $129 |
| Liberty Mutual | $142 |
| Nationwide | $150 |
| Direct Auto | $151 |
| GAINSCO | $159 |
| AssuranceAmerica | $170 |
| National General | $183 |
| The General | $219 |
| Infinity | $220 |
| Bristol West | $221 |
| Foremost | $249 |
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 Woodstock: Auto-Owners
Whereas liability insurance is a state requirement and covers the damages or injuries you cause others, full-coverage car insurance is optional and covers your vehicle’s damages and possibly your and your passengers’ injuries, regardless of fault.
Full-coverage insurance doesn’t have a set definition, though most insurers design this policy with a combination of liability, comprehensive, and collision coverages. Woodstock drivers who want coverage in the event of losing control of their vehicle, such as on the dangerous curves of Dupree Road, may want to add full coverage to their policy.
Drivers in Woodstock pay an average of $234 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in Woodstock.[2]
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $93 |
| State Farm | $100 |
| COUNTRY Financial | $101 |
| Allstate | $109 |
| USAA | $117 |
| Mile Auto | $129 |
| Safeco | $152 |
| GEICO | $162 |
| Progressive | $162 |
| Mercury | $180 |
| Clearcover | $231 |
| Nationwide | $242 |
| Liberty Mutual | $252 |
| Direct Auto | $258 |
| National General | $275 |
| AssuranceAmerica | $288 |
| GAINSCO | $315 |
| Foremost | $323 |
| The General | $374 |
| Infinity | $392 |
| Bristol West | $419 |
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 Woodstock, Georgia
Drivers in and around Woodstock, Georgia have found policies from State Farm, AssuranceAmerica, Mile Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Woodstock, 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 Woodstock, 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 is an at-fault state, and the basic coverages the state requires are property damage liability insurance and bodily injury liability insurance.
Here are Georgia’s minimum requirements for liability insurance:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per incident |
| Property damage liability | $25,000 per incident |
People in Woodstock can drive legally with only the minimum insurance requirements, but many choose not to because liability-only coverage doesn’t cover all types of damage. You may want to consider purchasing optional coverages for your policy, such as:
Uninsured motorist coverage
Uninsured motorist coverage pays for damages and injuries you sustain from an at-fault driver without the proper insurance coverage.
Collision coverage
Collision coverage covers vehicle damages when your car collides with an object or another driver, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damages from events other than collisions, such as vandalism, theft, fire, falling objects, and severe weather.
Medical payments coverage
Medical payments coverage pays for you and your passengers’ medical and funeral expenses resulting from a car accident.
Rental reimbursement coverage
This covers rental car expenses while your vehicle is in the shop for covered repairs.
Towing and labor coverage
This covers costs for towing and roadside assistance when your car breaks down.
Georgia House Bill 221
In May 2023, Georgia Gov. Brian Kemp signed legislation to provide the Insurance and Safety Fire Commissioner the power to review all car insurance rate filings before they go into effect.
This new policy went into effect on July 1, 2023, and prevents insurers from taking advantage of drivers via a loophole that allowed them to raise car insurance rates as much as 25% during a single filing.[1]
Cheapest car insurance for drivers with an incident
Although Woodstock is just over 12 square miles in size, you can encounter a number of insurance-raising incidents in such a small area. These incidents can be speeding tickets and moving violations, at-fault accidents, and driving under the influence (DUI) convictions. Essentially, if it can cost your insurer money, it can result in an increased premium.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Check your speedometer when you’re driving through Woodstock, and any other city in Georgia. The state assesses extra charges for drivers exceeding 75 to 85 mph on certain state roadways.[3]
Keep in mind that you don’t need to exceed the speed limit by very much to receive a speeding ticket. Even going a few miles over the speed limit is enough. Along with the penalty the officer assesses, your insurer may also increase your premium since speeding is a common factor in car accidents. The average cost of car insurance for drivers with a speeding ticket in Woodstock is $327 per month for full coverage and $226 for liability only.
The table below shows the cheapest auto insurers in Woodstock for drivers with a speeding ticket 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 Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $58 | $76 |
| State Farm | $62 | $80 |
| COUNTRY Financial | $63 | $84 |
| Allstate | $68 | $88 |
| USAA | $73 | $95 |
| Mile Auto | $76 | $99 |
| Progressive | $91 | $117 |
| Safeco | $98 | $129 |
| GEICO | $101 | $131 |
| Mercury | $110 | $153 |
| Clearcover | $129 | $168 |
| Liberty Mutual | $142 | $198 |
| Nationwide | $150 | $196 |
| Direct Auto | $151 | $196 |
| GAINSCO | $159 | $222 |
| AssuranceAmerica | $170 | $220 |
| National General | $183 | $238 |
| The General | $219 | $289 |
| Infinity | $220 | $294 |
| Bristol West | $221 | $288 |
| Foremost | $249 | $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 car insurance for drivers with an at-fault accident: Auto-Owners
Car accidents are serious problems in Georgia; they’re a leading cause of death and hospitalizations in the state. Some yearly fatality rates in Georgia have even exceeded those in nearly all other states. But a car accident doesn’t need to be serious to lead to a policy rate increase.[4]
Even if you’re involved in an injury-free fender bender or mistakenly back into a telephone pole, this could lead to an increase in your premiums. The more often your insurer has to pay out a claim, the more likely it is to raise your rates to compensate for losses. In Woodstock, the average cost of car insurance for drivers with an accident is $345 per month for full coverage and $239 for liability only.
Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident on their records in Woodstock.
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 | $58 | $80 |
| State Farm | $62 | $84 |
| COUNTRY Financial | $63 | $90 |
| Allstate | $68 | $93 |
| USAA | $73 | $100 |
| Mile Auto | $76 | $107 |
| Progressive | $91 | $126 |
| Safeco | $98 | $133 |
| GEICO | $101 | $139 |
| Mercury | $110 | $161 |
| Clearcover | $129 | $190 |
| Liberty Mutual | $142 | $207 |
| Nationwide | $150 | $208 |
| Direct Auto | $151 | $212 |
| GAINSCO | $159 | $209 |
| AssuranceAmerica | $170 | $228 |
| National General | $183 | $251 |
| The General | $219 | $306 |
| Infinity | $220 | $296 |
| Bristol West | $221 | $303 |
| Foremost | $249 | $364 |
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
Between 2017 and 2020, 1,626 Cherokee County drivers had their first DUI conviction, and 244 had a second or third DUI conviction, while 806 received either an administrative license suspension or an implied consent suspension.[5]
Hundreds of people in Georgia die during alcohol-related car crashes per year, which sometimes account for as much as one-fourth of all crash fatalities.[6] Drinking and driving, even when no accident occurs, is still a risky driving behavior that could cause injury or damage. Insurers often penalize DUI-convicted drivers with higher rates. Woodstock drivers pay an average of $391 per month for full coverage and $271 for liability only after a DUI conviction.
Here’s a look at the most affordable car insurance companies for drivers with a DUI in Woodstock.
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 | $58 | $96 |
| State Farm | $62 | $103 |
| COUNTRY Financial | $63 | $105 |
| Allstate | $68 | $113 |
| USAA | $73 | $121 |
| Mile Auto | $76 | $126 |
| Progressive | $91 | $151 |
| Safeco | $98 | $151 |
| GEICO | $101 | $168 |
| Mercury | $110 | $169 |
| Clearcover | $129 | $214 |
| Liberty Mutual | $142 | $236 |
| Nationwide | $150 | $249 |
| Direct Auto | $151 | $251 |
| GAINSCO | $159 | $264 |
| AssuranceAmerica | $170 | $282 |
| National General | $183 | $304 |
| The General | $219 | $364 |
| Infinity | $220 | $365 |
| Bristol West | $221 | $367 |
| Foremost | $249 | $414 |
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
Average car insurance rates usually decrease when adults near age 35 because their years of experience and potentially low claim rate demonstrate safe driving habits. But rates tend to rise around 70, as senior drivers have an increased likelihood of accidents due to declining health and medication use.[7]
The average cost of car insurance for senior drivers in Woodstock is $184 per month for full coverage and $127 for liability only. Senior drivers tend to pay lower-than-average premiums compared to many other driving age groups, so seniors can still find affordable coverage, starting with the insurers 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 | $35 | $56 |
| State Farm | $36 | $58 |
| COUNTRY Financial | $39 | $62 |
| Allstate | $44 | $70 |
| Mile Auto | $46 | $77 |
| Progressive | $47 | $84 |
| USAA | $48 | $76 |
| GEICO | $64 | $103 |
| Mercury | $73 | $120 |
| Safeco | $74 | $115 |
| Nationwide | $83 | $134 |
| Direct Auto | $94 | $161 |
| Liberty Mutual | $99 | $175 |
| Clearcover | $101 | $180 |
| AssuranceAmerica | $107 | $182 |
| National General | $112 | $169 |
| GAINSCO | $121 | $240 |
| Infinity | $137 | $245 |
| Bristol West | $146 | $276 |
| The General | $149 | $255 |
| Foremost | $167 | $216 |
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
Teenage drivers ages 16 to 19 have a fatal crash rate nearly three times as high as drivers 20 and older.[8] Teens lack the experience and developed reaction times that many adults have. Add in their overconfidence, increased distractions, and peer pressure, and it may further increase their likelihood of getting into an accident.
Although this generally leads to higher rates, young drivers could try to reduce their premiums as much as possible by staying on their parents’ insurance plan, driving a vehicle with insurer-approved safety features, and searching for eligible discounts, like good student and defensive driving programs. Teen drivers in Woodstock pay an average of $464 per month for full coverage and $321 for liability only.
Here are the cheapest car insurance companies in Woodstock 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 | $100 | $160 |
| Auto-Owners | $106 | $169 |
| State Farm | $115 | $186 |
| Allstate | $131 | $210 |
| USAA | $133 | $213 |
| Mile Auto | $158 | $268 |
| Progressive | $173 | $307 |
| GEICO | $176 | $282 |
| Safeco | $203 | $314 |
| Mercury | $210 | $344 |
| Clearcover | $256 | $458 |
| Liberty Mutual | $264 | $468 |
| Nationwide | $283 | $457 |
| GAINSCO | $297 | $589 |
| Direct Auto | $298 | $509 |
| AssuranceAmerica | $336 | $570 |
| The General | $379 | $647 |
| National General | $387 | $581 |
| Bristol West | $404 | $766 |
| Infinity | $426 | $760 |
| Foremost | $478 | $620 |
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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Woodstock car insurance quotes by credit tier
Many companies in Georgia, including auto insurers, can check your credit history and use the information to determine if you’re eligible for a policy and what the rate should be.[9] This is just one of many factors insurers use, but drivers with poor credit typically pay higher premiums 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 Woodstock?
Compared to the national average, car insurance is more expensive in Woodstock. The average cost of car insurance in the city is $162 per month for liability-only car insurance and $234 per month for full coverage, while the national averages are $104 and $204, respectively.
But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $152 per month for liability insurance and $244 per month for full coverage.
Car insurance in Woodstock is cheaper, on average, than in many other Georgia cities. This could be because Woodstock has fewer residents and fewer reported car crashes. For instance, the city of Marietta reported more than 4,500 car crashes in 2022, while Woodstock reported a little more than 1,400.[10]
More cities in Georgia
Here’s how Woodstock’s average full-coverage car insurance quote compares to quotes in other Georgia cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Alpharetta | $174 | $264 |
| Athens | $136 | $205 |
| Atlanta | $226 | $295 |
| Columbus | $146 | $246 |
| Marietta | $182 | $251 |
| Savannah | $176 | $259 |
| Valdosta | $113 | $183 |
| Warner Robins | $153 | $225 |
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.
Woodstock car insurance FAQs
Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Woodstock car insurance.
How much is car insurance in Woodstock?
The average cost of car insurance in Woodstock is $162 per month for liability-only car insurance and $234 per month for full coverage.
Which companies have the cheapest car insurance in Woodstock?
Auto-Owners has the cheapest car insurance in Woodstock, with a monthly liability-only rate of $58. Other affordable insurers include State Farm and COUNTRY Financial, with liability rates of $62 and $63 per month, respectively. Finding the cheapest car insurance company for you will depend on many factors, including your age, gender, vehicle, ZIP code, and driving record.
What are the best car insurance companies in Woodstock?
Some of the best car insurance companies in Woodstock include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies 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 coverage needs and budget. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.
What factors influence the cost of your car insurance in Woodstock, GA?
Factors outside of your control that influence the cost of your car insurance in Woodstock 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 history, vehicle type, and coverage options.
How much car insurance do you need in Georgia?
Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[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
- Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- State of Georgia. "Pay a Super Speeder Fine."
- Georgia Department of Public Health. "Motor Vehicle Crashes."
- Georgia Department of Driver Services. "DUI Data Reports."
- Governor's Office of Highway Safety in Georgia. "Impaired Driving."
- III. "Senior driving safety and insurance tips."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
- Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
- Georgia Department of Transportation. "Georgia Crash Data."
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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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