Best Cheap Auto Insurance in Gray, GA (2021)

The average Gray, GA auto insurance rates are $441 per month. The minimum auto insurance in Gray is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Gray, Georgia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Gray is 29.8 minutes
  • The minimum auto insurance required in Gray, Georgia is 25/50/25
  • Average auto insurance rates in Gray, GA for senior drivers are $2,926 per year

Gray, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Gray can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Gray, Georgia, including driving record, credit, commute time, and more.

Compare auto insurance in Gray to other Georgia cities, including Alpharetta auto insurance rates, Albany auto insurance rates, and Sandy Springs auto insurance rates to see how Gray, Georgia auto insurance rates stack up.

Before you buy Gray, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gray, Georgia auto insurance quotes.

Minimum Auto Insurance in Gray, Georgia

Gray, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gray, Georgia.

Minimum Required Auto Insurance Coverage in Gray, Georgia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Gray, Georgia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gray, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gray, Georgia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,853 $2,853 $2,725 $2,725 $6,601 $8,512 $3,190 $3,484
GEICO $1,917 $1,887 $1,851 $1,851 $5,634 $6,735 $2,441 $2,733
Liberty Mutual $5,627 $6,130 $4,603 $5,234 $23,918 $26,729 $5,962 $6,349
Nationwide $4,165 $4,309 $4,110 $4,526 $13,045 $16,826 $5,088 $5,528
Progressive $3,069 $2,818 $2,635 $2,773 $9,569 $10,601 $3,534 $3,686
State Farm $2,316 $2,316 $2,069 $2,069 $6,046 $7,960 $2,537 $2,737
USAA $2,034 $2,030 $1,896 $1,898 $7,503 $8,875 $2,544 $2,811

Cheap Gray, Georgia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Gray, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Gray, Georgia.

Annual Auto Insurance Rates for Teen Drivers in Gray, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,601 $8,512
GEICO $5,634 $6,735
Liberty Mutual $23,918 $26,729
Nationwide $13,045 $16,826
Progressive $9,569 $10,601
State Farm $6,046 $7,960
USAA $7,503 $8,875

Cheap Gray, Georgia Auto Insurance for Seniors

What are senior auto insurance rates in Gray, Georgia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Gray, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,725 $2,725
GEICO $1,851 $1,851
Liberty Mutual $4,603 $5,234
Nationwide $4,110 $4,526
Progressive $2,635 $2,773
State Farm $2,069 $2,069
USAA $1,896 $1,898

Cheap Gray, Georgia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Gray, Georgia compared to the annual auto insurance rates with a clean record in Gray, Georgia.

Annual Gray, Georgia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,408 $5,220 $4,262 $3,581
GEICO $2,101 $2,641 $5,427 $2,355
Liberty Mutual $8,030 $10,960 $12,600 $10,686
Nationwide $5,531 $6,498 $10,054 $6,716
Progressive $3,783 $6,677 $4,476 $4,406
State Farm $3,204 $3,808 $3,506 $3,506
USAA $2,823 $3,587 $5,233 $3,152

Cheap Gray, Georgia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Gray, Georgia is not easy. Compare the annual rates for DUI auto insurance in Gray, Georgia to find the best deal.

Annual Auto Insurance Rates After a DUI in Gray, Georgia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,262
GEICO $5,427
Liberty Mutual $12,600
Nationwide $10,054
Progressive $4,476
State Farm $3,506
USAA $5,233

Cheap Gray, Georgia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Gray, Georgia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Gray, Georgia

Insurance Company Poor Fair Good
Allstate $5,331 $3,709 $3,314
GEICO $3,938 $2,768 $2,688
Liberty Mutual $15,151 $9,282 $7,274
Nationwide $8,584 $6,945 $6,070
Progressive $5,461 $4,704 $4,341
State Farm $4,974 $3,094 $2,450
USAA $4,810 $3,390 $2,896

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Cheap Gray, Georgia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Gray, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Gray, Georgia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Gray, Georgia

ZIP Code Average Annual Rates
31032 $5,128

Cheap Gray, Georgia Auto Insurance Rates By Commute

Commute length and annual mileage affect Gray, Georgia auto insurance. Find the cheapest annual Gray, Georgia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Gray, Georgia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,025 $4,211
GEICO $3,077 $3,185
Liberty Mutual $10,569 $10,569
Nationwide $7,200 $7,200
Progressive $4,836 $4,836
State Farm $3,506 $3,506
USAA $3,530 $3,868

Cheap Gray, Georgia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Gray, Georgia? Check out the comparison of annual Gray, Georgia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Gray, Georgia

Insurance Company Low Medium High
Allstate $3,816 $4,157 $4,380
GEICO $2,903 $3,147 $3,343
Liberty Mutual $10,113 $10,512 $11,082
Nationwide $7,059 $7,330 $7,210
Progressive $4,395 $4,751 $5,360
State Farm $3,297 $3,509 $3,712
USAA $3,530 $3,681 $3,886

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Best By Category: Cheapest Auto Insurance in Gray, Georgia

Compare the cheapest auto insurance companies in Gray, Georgia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Gray, Georgia

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Gray, Georgia Auto Insurance Companies

What auto insurance companies in Gray, Georgia are the cheapest? Compare the top Gray, Georgia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Gray, Georgia

Insurance Company Average Annual Rates
Allstate $4,118
GEICO $3,131
Liberty Mutual $10,569
Nationwide $7,200
Progressive $4,835
State Farm $3,506
USAA $3,699

What affects auto insurance rates in Gray, Georgia?

There are a lot of reasons why auto insurance rates in Gray, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gray, Georgia. Many local factors may affect your Gray auto insurance rates.

Gray Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gray, Georgia commute length is 29.8 minutes according to City-Data.

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Compare Gray, Georgia Auto Insurance Quotes

Before you buy Gray, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gray, Georgia auto insurance quotes.

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