A full coverage car insurance policy costs an average of $1,323 per year in Valdosta. That’s $302 cheaper than the Georgia state average of $1,625 per year. But averages don’t tell the whole story, since rates can vary widely from company to company.
If you want the lowest rate on car insurance, you have to shop around and get quotes from several insurers before you buy. Policygenius makes it easy to compare quotes from top companies so you can choose the policy that’s right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Valdosta, GA
How much you pay for car insurance depends on where you live, your age, your driving record, and the car you drive. Insurance companies each have their own methods for coming up with a rate, so you may get different rates from different companies, even for the same coverage. This table shows the five cheapest car insurance companies in Valdosta and their J.D. Power scores.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $867 | 865 |
USAA | $884 | 890 |
Central Insurance | $1,081 | -- |
GEICO | $1,095 | 874 |
State Farm | $1,132 | 882 |
Cheapest car insurance rates by ZIP code in Valdosta, GA
Insurance companies use your ZIP codes to calculate the risks in your neighborhood, looking at factors like access to parking, rates of theft and vandalism, and the number of accidents and traffic tickets issued in the ZIP code where you live.
ZIP code | Average cost |
|---|---|
31605 | $1,306 |
31606 | $1,312 |
31602 | $1,325 |
31601 | $1,329 |
31698 | $1,344 |
Choosing the right car insurance company in Valdosta, GA
Picking the right car insurance company might seem overwhelming, but it all comes down to a few key points to consider.
Cost: Get quotes from multiple car insurance companies so you can feel confident you’re getting the best rate.
Coverage: Higher coverage limits means more protection, but it also means higher rates, so see how much coverage you can get while still staying in your budget
Service: Check claims satisfaction ratings and reviews to be sure that the company you choose will be there for you when you need them
Policygenius simplifies the process by showing you rates from multiple companies so you can easily compare coverage.
Car insurance rates for drivers with driving violations in Valdosta, GA
Even one speeding ticket on your record can increase your rates, so avoid driving violations and you’ll save on car insurance. But if you already have a bad driving record, it’s all the more important to compare quotes from multiple companies before you buy.
Violation | Auto-Owners Insurance | USAA | Central Insurance | GEICO | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,150 | $1,314 | $1,684 | $1,719 | $1,325 |
DUI | $1,617 | $1,829 | $2,342 | $3,371 | $1,224 |
Suspended license | $1,617 | $1,735 | $2,342 | $2,094 | $1,224 |
Open container | $858 | $1,349 | $2,342 | $1,128 | $1,224 |
Expired registration | $858 | $1,142 | $1,383 | $1,128 | $1,224 |
Driving without lights | $858 | $1,142 | $1,459 | $1,128 | $1,224 |
Running a red light | $858 | $1,142 | $1,459 | $1,128 | $1,224 |
Following too closely | $858 | $1,142 | $1,459 | $1,128 | $1,224 |
Hit and run | $1,617 | $1,926 | $2,342 | $3,371 | $1,224 |
Not-at-fault accident | $858 | $930 | $1,155 | $1,001 | $1,145 |
Passing a school bus | $949 | $1,349 | $1,459 | $2,094 | $1,224 |
Reckless driving | $1,617 | $1,349 | $2,342 | $2,094 | $1,224 |
Speeding | $1,101 | $1,142 | $1,459 | $2,094 | $1,224 |
Cheapest car insurance for drivers with a DUI in Valdosta, GA
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,224 |
Auto-Owners Insurance | $1,617 |
USAA | $1,829 |
Central Insurance | $2,342 |
GEICO | $3,371 |
Cheapest car insurance for drivers with a speeding ticket in Valdosta, GA
Company | Rates for drivers with speeding tickets |
|---|---|
Auto-Owners Insurance | $1,101 |
USAA | $1,142 |
State Farm | $1,224 |
Central Insurance | $1,459 |
GEICO | $2,094 |
Cheapest car insurance for drivers with bad credit in Valdosta, GA
A poor credit history can increase how much you pay for car insurance, which is why drivers with bad credit should shop around to find the most affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,346 |
Safeway Insurance | $1,485 |
USAA | $1,650 |
Nationwide | $1,669 |
Allstate | $1,893 |
Buying car insurance in Valdosta, GA
Georgia drivers are required to have car insurance. The minimum coverage required by the state is:
$25,000 for property damage liability per accident
$25,000 for bodily injury liability per person/$50,000 per accident
This amount of insurance is required no matter how much you drive. Even if you take your car off the road for part of the year, if it’s registered in Georgia, then you need to have car insurance.
How to get cheap car insurance in Valdosta, GA
There are many ways to to get cheap or discounted car insurance in Valdosta, including:
Maintain a clean record: Drive carefully and avoid accidents and speeding tickets to keep rates down
Compare companies: Get quotes from multiple insurance companies to find the best rates
Get discounts: Ask about discounts that might apply to you, like savings for low mileage drivers, safe drivers, good students, and for professional groups like firefighters, teachers, and police officers.
Bundle your policies: Get your insurance policies for your car, home, condo, or boat from the same insurer and you could save on all of them
Frequently asked questions
Who has the cheapest car insurance rates in Valdosta?
According to our data, the cheapest car insurance companies in Valdosta, GA are Auto-Owners Insurance and USAA.
How can I save money on my car insurance in Valdosta?
Driving safely, maintaining a good credit score, and comparison shopping when you buy car insurance are the best ways to save money on car insurance. You should reshop for insurance yearly to make sure you’re still getting the best rates.
Is Georgia a no-fault state?
No, Georgia is not a no-fault state. The insurance company of whichever driver is determined to be at-fault for an accident will pay for the other party’s medical bills and repair costs.
Does Georgia require car insurance?
Yes, Georgia requires car insurance for all registered vehicles. The minimum amounts required are $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.
