Best Cheap Auto Insurance in Homer, GA (2021)

The average Homer, GA auto insurance rates are $399 per month. The minimum auto insurance in Homer is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Homer, 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 cheapest auto insurance company in Homer is GEICO
  • The minimum auto insurance required in Homer, Georgia is 25/50/25
  • The most expensive auto insurance company in Homer for teen drivers is Liberty Mutual

Homer, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Homer 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 Homer, Georgia, including driving record, credit, commute time, and more.

Compare auto insurance in Homer to other Georgia cities, including South Fulton auto insurance rates, Albany auto insurance rates, and Roswell auto insurance rates to see how Homer, Georgia auto insurance rates stack up.

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

Minimum Auto Insurance in Homer, Georgia

Homer, 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 Homer, Georgia.

Minimum Required Auto Insurance Coverage in Homer, 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 Homer, Georgia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Homer, 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 Homer, 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 $2,974 $2,974 $2,844 $2,844 $7,039 $9,124 $3,339 $3,651
GEICO $1,712 $1,692 $1,660 $1,660 $5,121 $6,141 $2,216 $2,453
Liberty Mutual $5,472 $5,958 $4,473 $5,080 $23,310 $26,038 $5,804 $6,180
Nationwide $2,929 $3,027 $2,867 $3,149 $8,831 $11,386 $3,540 $3,843
Progressive $2,905 $2,668 $2,504 $2,633 $9,251 $10,236 $3,357 $3,505
State Farm $2,176 $2,176 $1,952 $1,952 $5,775 $7,592 $2,387 $2,577
USAA $1,730 $1,728 $1,611 $1,616 $6,256 $7,392 $2,155 $2,380

Cheap Homer, Georgia Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Homer, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,039 $9,124
GEICO $5,121 $6,141
Liberty Mutual $23,310 $26,038
Nationwide $8,831 $11,386
Progressive $9,251 $10,236
State Farm $5,775 $7,592
USAA $6,256 $7,392

Cheap Homer, Georgia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Homer, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,844 $2,844
GEICO $1,660 $1,660
Liberty Mutual $4,473 $5,080
Nationwide $2,867 $3,149
Progressive $2,504 $2,633
State Farm $1,952 $1,952
USAA $1,611 $1,616

Cheap Homer, 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 Homer, Georgia compared to the annual auto insurance rates with a clean record in Homer, Georgia.

Annual Homer, Georgia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,590 $5,509 $4,518 $3,777
GEICO $1,907 $2,390 $4,893 $2,137
Liberty Mutual $7,813 $10,672 $12,270 $10,403
Nationwide $3,824 $4,470 $6,872 $4,620
Progressive $3,614 $6,410 $4,295 $4,209
State Farm $3,030 $3,617 $3,324 $3,324
USAA $2,381 $3,018 $4,380 $2,654

Cheap Homer, Georgia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Homer, Georgia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,518
GEICO $4,893
Liberty Mutual $12,270
Nationwide $6,872
Progressive $4,295
State Farm $3,324
USAA $4,380

Cheap Homer, Georgia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Homer, Georgia

Insurance Company Poor Fair Good
Allstate $5,631 $3,917 $3,497
GEICO $3,562 $2,503 $2,430
Liberty Mutual $14,743 $9,040 $7,085
Nationwide $5,888 $4,770 $4,182
Progressive $5,211 $4,509 $4,177
State Farm $4,710 $2,935 $2,326
USAA $4,043 $2,848 $2,433

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Cheap Homer, Georgia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Homer, Georgia

ZIP Code Average Annual Rates
30547 $4,620

Cheap Homer, Georgia Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Homer, Georgia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,253 $4,443
GEICO $2,783 $2,881
Liberty Mutual $10,289 $10,289
Nationwide $4,947 $4,947
Progressive $4,632 $4,632
State Farm $3,324 $3,324
USAA $2,967 $3,250

Cheap Homer, Georgia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Homer, Georgia

Insurance Company Low Medium High
Allstate $4,069 $4,384 $4,593
GEICO $2,640 $2,845 $3,010
Liberty Mutual $9,864 $10,236 $10,768
Nationwide $4,947 $5,022 $4,871
Progressive $4,241 $4,557 $5,099
State Farm $3,109 $3,326 $3,536
USAA $2,955 $3,091 $3,279

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Best By Category: Cheapest Auto Insurance in Homer, Georgia

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

Best Annual Auto Insurance Rates by Company in Homer, Georgia

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

The Cheapest Homer, Georgia Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Homer, Georgia

Insurance Company Average Annual Rates
Allstate $4,348
GEICO $2,832
Liberty Mutual $10,289
Nationwide $4,947
Progressive $4,632
State Farm $3,324
USAA $3,108

What affects auto insurance rates in Homer, Georgia?

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

Homer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homer, Georgia commute length is 31.1 minutes according to City-Data.

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Compare Homer, Georgia Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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