Best Homerville, Georgia Auto Insurance in 2025
The average Homerville, GA auto insurance rates are $373 per month. The minimum auto insurance in Homerville is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Homerville, Georgia, compare quotes from multiple companies.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated September 2024
- The most expensive auto insurance company in Homerville for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Homerville is USAA
- The average commute length in Homerville is 16.8 minutes
Homerville, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Homerville 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 Homerville, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Homerville to other Georgia cities, including South Fulton auto insurance rates, Columbus auto insurance rates, and Roswell auto insurance rates to see how Homerville, Georgia auto insurance rates stack up.
Before you buy Homerville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Homerville, Georgia auto insurance quotes.
Minimum Auto Insurance in Homerville, Georgia
Homerville, 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 Homerville, 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 Homerville, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Homerville, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,355 | $2,355 | $2,255 | $2,255 | $5,433 | $6,994 | $2,632 | $2,873 |
| Geico | $1,582 | $1,558 | $1,529 | $1,529 | $4,632 | $5,542 | $2,019 | $2,249 |
| Liberty Mutual | $5,019 | $5,468 | $4,115 | $4,669 | $20,684 | $23,096 | $5,325 | $5,681 |
| Nationwide | $4,160 | $4,303 | $4,100 | $4,516 | $13,009 | $16,786 | $5,079 | $5,520 |
| Progressive | $1,991 | $1,833 | $1,711 | $1,799 | $6,258 | $6,933 | $2,302 | $2,410 |
| State Farm | $2,149 | $2,149 | $1,918 | $1,918 | $5,553 | $7,319 | $2,353 | $2,533 |
| USAA | $1,423 | $1,422 | $1,325 | $1,330 | $4,994 | $5,902 | $1,761 | $1,941 |
Cheap Homerville, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Homerville, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Homerville, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,433 | $6,994 |
| Geico | $4,632 | $5,542 |
| Liberty Mutual | $20,684 | $23,096 |
| Nationwide | $13,009 | $16,786 |
| Progressive | $6,258 | $6,933 |
| State Farm | $5,553 | $7,319 |
| USAA | $4,994 | $5,902 |
Cheap Homerville, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Homerville, Georgia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,255 | $2,255 |
| Geico | $1,529 | $1,529 |
| Liberty Mutual | $4,115 | $4,669 |
| Nationwide | $4,100 | $4,516 |
| Progressive | $1,711 | $1,799 |
| State Farm | $1,918 | $1,918 |
| USAA | $1,325 | $1,330 |
Cheap Homerville, 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 Homerville, Georgia compared to the annual auto insurance rates with a clean record in Homerville, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,807 | $4,318 | $3,501 | $2,950 |
| Geico | $1,733 | $2,177 | $4,467 | $1,943 |
| Liberty Mutual | $7,035 | $9,591 | $11,032 | $9,370 |
| Nationwide | $5,518 | $6,483 | $10,034 | $6,701 |
| Progressive | $2,471 | $4,358 | $2,915 | $2,876 |
| State Farm | $2,962 | $3,511 | $3,237 | $3,237 |
| USAA | $1,933 | $2,437 | $3,529 | $2,150 |
Cheap Homerville, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Homerville, Georgia is not easy. Compare the annual rates for DUI auto insurance in Homerville, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,501 |
| Geico | $4,467 |
| Liberty Mutual | $11,032 |
| Nationwide | $10,034 |
| Progressive | $2,915 |
| State Farm | $3,237 |
| USAA | $3,529 |
Cheap Homerville, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Homerville, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,399 | $3,055 | $2,727 |
| Geico | $3,245 | $2,281 | $2,215 |
| Liberty Mutual | $13,286 | $8,119 | $6,367 |
| Nationwide | $8,567 | $6,929 | $6,056 |
| Progressive | $3,557 | $3,069 | $2,838 |
| State Farm | $4,589 | $2,857 | $2,264 |
| USAA | $3,267 | $2,302 | $1,968 |
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Cheap Homerville, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Homerville, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Homerville, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 31634 | $4,312 |
Cheap Homerville, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Homerville, Georgia auto insurance. Find the cheapest annual Homerville, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,317 | $3,470 |
| Geico | $2,535 | $2,625 |
| Liberty Mutual | $9,257 | $9,257 |
| Nationwide | $7,184 | $7,184 |
| Progressive | $3,155 | $3,155 |
| State Farm | $3,237 | $3,237 |
| USAA | $2,399 | $2,626 |
Cheap Homerville, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Homerville, Georgia? Check out the comparison of annual Homerville, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,109 | $3,431 | $3,642 |
| Geico | $2,403 | $2,592 | $2,745 |
| Liberty Mutual | $8,883 | $9,207 | $9,682 |
| Nationwide | $7,051 | $7,313 | $7,188 |
| Progressive | $2,891 | $3,104 | $3,469 |
| State Farm | $3,041 | $3,238 | $3,430 |
| USAA | $2,393 | $2,498 | $2,645 |
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Best By Category: Cheapest Auto Insurance in Homerville, Georgia
Compare the cheapest auto insurance companies in Homerville, Georgia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
The Cheapest Homerville, Georgia Auto Insurance Companies
What auto insurance companies in Homerville, Georgia are the cheapest? Compare the top Homerville, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,394 |
| Geico | $2,580 |
| Liberty Mutual | $9,257 |
| Nationwide | $7,184 |
| Progressive | $3,155 |
| State Farm | $3,237 |
| USAA | $2,512 |
What affects auto insurance rates in Homerville, Georgia?
There are a lot of reasons why auto insurance rates in Homerville, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Homerville, Georgia. Many local factors may affect your Homerville auto insurance rates.
Homerville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Homerville, Georgia commute length is 16.8 minutes according to City-Data.
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Compare Homerville, Georgia Auto Insurance Quotes
Before you buy Homerville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Homerville, Georgia auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Homerville, GA?
Yes, auto insurance is mandatory in Homerville, GA, as it is in most states. The minimum required coverage typically includes liability insurance, which covers the costs if you cause an accident resulting in injuries or property damage to others. It’s important to comply with the state’s auto insurance requirements to avoid penalties and legal consequences.
What happens if I let my auto insurance policy lapse?
Allowing your auto insurance policy to lapse means you no longer have active coverage. If you’re caught driving without insurance in Homerville, GA, you may face legal consequences such as fines, license suspension, or even vehicle impoundment. Additionally, a coverage gap can lead to higher insurance rates when you reinstate your policy or apply for new coverage.
Can I change my auto insurance policy at any time?
Yes, you can change your auto insurance policy at any time. However, it’s important to review the terms and conditions, including any potential fees or penalties, before making changes. Notify your current insurance company of your intention to switch and ensure there is no gap in coverage during the transition.
What should I do after a car accident in Homerville, GA?
After a car accident in Homerville, GA, make sure everyone involved is safe and call emergency services if necessary. Exchange insurance information with the other party and document the accident scene. Contact your insurance company as soon as possible to report the incident and start the claims process.
How can I find affordable auto insurance in Homerville, GA?
To find affordable auto insurance in Homerville, GA, you can start by comparing quotes from different insurance companies. It’s also a good idea to maintain a clean driving record, consider increasing your deductible, and explore any available discounts or bundling options.
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