Cheapest Car Insurance In Valdosta, GA 2025
Auto-Owners offers the most affordable minimum coverage car insurance in Valdosta, averaging $46 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Valdosta, GA, can be tricky since prices vary widely.
Auto-Owners is the top choice for the cheapest liability-only coverage, while State Farm offers the best rates for full coverage. Young drivers, however, will find the lowest prices with Clearcover.
Cheapest Car Insurance Companies In Valdosta, GA 2025
Cheapest Liability-only Car Insurance In Valdosta: Auto-Owners
In Valdosta, Auto-Owners offers the most affordable minimum coverage car insurance at an average cost of $46 per month.
Check out the table below to see how insurance rates compare across different providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $46 | $552 |
| Allstate | $52 | $624 |
| State Farm | $49 | $588 |
| Mercury | $88 | $1,056 |
| Progressive | $70 | $840 |
Cheapest Full Coverage Insurance Rates In Valdosta: State Farm
State Farm offers the lowest rates for full coverage car insurance in Valdosta, with an average quote of $78 per month.
The table below shows average car insurance quotes from budget-friendly providers in Valdosta.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $936 |
| Mile Auto | $97 | $1,164 |
| Country Financial | $80 | $960 |
| Allstate | $85 | $1,020 |
| Progressive | $121 | $1,452 |
Cheapest Car Insurance Rates For Seniors: Mercury
Mercury offers the most affordable car insurance for seniors in Valdosta, with an average rate of $69 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $69 | $828 |
| Clearcover | $90 | $1,080 |
| Auto-Owners | $87 | $1,044 |
| State Farm | $96 | $1,152 |
| Nationwide | $102 | $1,224 |
Cheapest Rates In Valdosta For Teenagers: Country Financial
In Valdosta, teenage drivers get the lowest insurance rates from Country Financial, averaging $125 per month.
The table below lists the insurance companies offering the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $125 | $1,500 |
| Auto-Owners | $133 | $1,596 |
| Allstate | $167 | $2,004 |
| State Farm | $148 | $1,776 |
| Progressive | $231 | $2,772 |
Cheapest Auto Insurance For Young Adults in Valdosta: Clearcover
In Valdosta, young adults can find the lowest insurance rates with Clearcover, averaging $111 per month.
Check out the table below to compare the lowest auto insurance rates for young adults in Valdosta.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $111 | $1,332 |
| Auto-Owners | $149 | $1,788 |
| USAA | $115 | $1,380 |
| Mercury | $164 | $1,968 |
| State Farm | $161 | $1,932 |
Cheapest Car Insurance In Valdosta For Good Drivers: Auto-Owners
In Valdosta, good drivers can get the lowest car insurance rates from Auto-Owners, averaging $46 per month.
Safe drivers can check the table below to compare average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $46 | $552 |
| Allstate | $52 | $624 |
| State Farm | $49 | $588 |
| Mercury | $88 | $1,056 |
| Progressive | $70 | $840 |
Find affordable Valdosta rates
Cheapest Car Insurance In Valdosta After A Speeding Ticket: State Farm
In Valdosta, State Farm is one of the most affordable options, offering an average rate of $62 per month for drivers with a speeding ticket.
Check the table below to see the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| Country Financial | $65 | $780 |
| Allstate | $68 | $816 |
| Progressive | $89 | $1,068 |
| Mercury | $121 | $1,452 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners provides the most affordable car insurance for drivers with an at-fault accident, averaging $63 per month.
These car insurance companies offer the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $63 | $756 |
| Country Financial | $70 | $840 |
| Mile Auto | $81 | $972 |
| Mercury | $131 | $1,572 |
| Allstate | $71 | $852 |
Cheapest Rates In Valdosta For Drivers After A DUI: State Farm
State Farm offers the lowest car insurance rates for drivers with a DUI, averaging $79 per month in Valdosta.
The table below shows the lowest insurance rates for Valdosta drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $79 | $948 |
| Allstate | $86 | $1,032 |
| Country Financial | $81 | $972 |
| Mercury | $135 | $1,620 |
| GEICO | $126 | $1,512 |
Best Car Insurance Companies In Valdosta
In Valdosta, Auto-Owners offers the cheapest insurance at $46 per month, while State Farm and Allstate follow at $49 and $52, respectively.
Below is a list of the top 10 car insurance companies in Valdosta, GA, ranked by their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $46 |
| Allstate | $52 |
| State Farm | $49 |
| Mercury | $88 |
| Progressive | $70 |
| Country Financial | $54 |
| USAA | $57 |
| Mile Auto | $60 |
| GEICO | $78 |
| Nationwide | $115 |
Average Auto Insurance Rates In Valdosta – By Age
Age plays a major role in determining car insurance rates. Younger drivers usually face higher premiums because they have less experience and are more likely to be involved in accidents or traffic violations. On average, teens pay about $3,865 per year for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s often get the best insurance rates, as companies use age to gauge experience and risk when setting premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,865 |
| 20s | $2,113 |
| 30s | $1,532 |
| 40s | $1,368 |
| 50s | $1,080 |
| 60s | $1,237 |
| 70s | $1,310 |
Average Rates In Valdosta – By Vehicle
Your car’s make, model, year, and body type greatly influence your insurance costs. Newer or luxury vehicles with high-tech features and costly repairs often come with higher premiums.
Check the table below to see the average insurance rates for various vehicles in Valdosta.
| Vehicle | Average Monthly Rate |
| CHEVROLET COBALT | $659 |
| Cadillac Escalade | $139 |
| Kia Spectra | $298 |
| Ford Windstar | $412 |
| Ford Escape | $228 |
How Much Is Car Insurance In Other Cities in Georgia?
Where you live has a big impact on your car insurance costs. Insurers consider local accident rates, theft, and vandalism—risks that are usually higher in cities, leading to more expensive premiums.
In Albany, drivers typically pay about $147 per month for car insurance, whereas those in Decatur pay around $246 per month.
| City | Average Monthly Rate |
| Macon | $175 |
| Albany | $147 |
| Lawrenceville | $197 |
| Athens | $153 |
| Alpharetta | $179 |
| Decatur | $246 |
| Atlanta | $225 |
| Columbus | $157 |
| Augusta | $159 |
| Gainesville | $165 |
Average Cost Of Auto Insurance In Valdosta – By Zip Code
Insurers use zip codes to assess crime rates in your area, which is why car insurance costs vary by zip code.
Check the table below for average insurance rates by zip code in Valdosta.
| City | Average Monthly Rate |
| 31601 | $136 |
| 31606 | $112 |
| 31605 | $125 |
| 31699 | $163 |
| 31632 | $80 |
Find affordable Valdosta rates
Our Methodology
After analyzing factors like customer service, coverage options, pricing, and online reviews, I’ve put together a detailed look at car insurance providers in Valdosta, GA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Valdosta?
Auto-Owners provides the cheapest minimum coverage in Valdosta, while State Farm offers the most affordable full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Valdosta?
In Valdosta, car insurance costs around $130 per month on average, though your rate depends on factors like your zip code, vehicle, and driving history.
