Best Oconee, Georgia Auto Insurance in 2026
The average Oconee, GA auto insurance rates are $419 per month. The minimum auto insurance in Oconee is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Oconee, Georgia, compare quotes from multiple companies.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Alexandra Arcand
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated September 2024
- The cheapest auto insurance company in Oconee is Geico
- The minimum auto insurance required in Oconee, Georgia is 25/50/25
- The most expensive auto insurance company in Oconee for teen drivers is Liberty Mutual
Oconee, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Oconee 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 Oconee, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Oconee to other Georgia cities, including Sandy Springs auto insurance rates, Columbus auto insurance rates, and Albany auto insurance rates to see how Oconee, Georgia auto insurance rates stack up.
Before you buy Oconee, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Oconee, Georgia auto insurance quotes.
Minimum Auto Insurance in Oconee, Georgia
Oconee, 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 Oconee, Georgia.
Minimum Required Auto Insurance Coverage in Oconee, 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 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheap Oconee, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Oconee, 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 Oconee, 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 | $2,887 | $2,887 | $2,769 | $2,769 | $6,707 | $8,613 | $3,226 | $3,519 |
| Geico | $1,636 | $1,605 | $1,575 | $1,575 | $4,692 | $5,606 | $2,063 | $2,308 |
| Liberty Mutual | $4,989 | $5,436 | $4,088 | $4,641 | $20,620 | $23,033 | $5,291 | $5,641 |
| Nationwide | $4,010 | $4,150 | $3,940 | $4,342 | $12,456 | $16,087 | $4,886 | $5,314 |
| Progressive | $3,731 | $3,433 | $3,189 | $3,348 | $11,072 | $12,276 | $4,272 | $4,438 |
| State Farm | $2,179 | $2,179 | $1,946 | $1,946 | $5,644 | $7,435 | $2,386 | $2,571 |
| USAA | $1,841 | $1,842 | $1,698 | $1,713 | $6,554 | $7,778 | $2,301 | $2,553 |
Cheap Oconee, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Oconee, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Oconee, Georgia.
Annual Auto Insurance Rates for Teen Drivers in Oconee, Georgia
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,707 | $8,613 |
| Geico | $4,692 | $5,606 |
| Liberty Mutual | $20,620 | $23,033 |
| Nationwide | $12,456 | $16,087 |
| Progressive | $11,072 | $12,276 |
| State Farm | $5,644 | $7,435 |
| USAA | $6,554 | $7,778 |
Cheap Oconee, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Oconee, Georgia? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Oconee, Georgia
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,769 | $2,769 |
| Geico | $1,575 | $1,575 |
| Liberty Mutual | $4,088 | $4,641 |
| Nationwide | $3,940 | $4,342 |
| Progressive | $3,189 | $3,348 |
| State Farm | $1,946 | $1,946 |
| USAA | $1,698 | $1,713 |
Cheap Oconee, 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 Oconee, Georgia compared to the annual auto insurance rates with a clean record in Oconee, Georgia.
Annual Oconee, Georgia Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,431 | $5,328 | $4,318 | $3,611 |
| Geico | $1,763 | $2,220 | $4,572 | $1,976 |
| Liberty Mutual | $7,010 | $9,551 | $10,982 | $9,327 |
| Nationwide | $5,298 | $6,223 | $9,638 | $6,434 |
| Progressive | $4,503 | $7,826 | $5,308 | $5,243 |
| State Farm | $3,006 | $3,565 | $3,286 | $3,286 |
| USAA | $2,515 | $3,177 | $4,645 | $2,804 |
Cheap Oconee, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Oconee, Georgia is not easy. Compare the annual rates for DUI auto insurance in Oconee, Georgia to find the best deal.
Annual Auto Insurance Rates After a DUI in Oconee, Georgia
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,318 |
| Geico | $4,572 |
| Liberty Mutual | $10,982 |
| Nationwide | $9,638 |
| Progressive | $5,308 |
| State Farm | $3,286 |
| USAA | $4,645 |
Cheap Oconee, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Oconee, Georgia annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Oconee, Georgia
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,405 | $3,759 | $3,352 |
| Geico | $3,311 | $2,327 | $2,260 |
| Liberty Mutual | $13,220 | $8,088 | $6,345 |
| Nationwide | $8,230 | $6,650 | $5,814 |
| Progressive | $6,523 | $5,552 | $5,085 |
| State Farm | $4,659 | $2,901 | $2,298 |
| USAA | $4,286 | $3,006 | $2,563 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheap Oconee, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Oconee, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Oconee, Georgia to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Oconee, Georgia
| ZIP Code | Average Annual Rates |
|---|---|
| 31067 | $4,873 |
Cheap Oconee, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Oconee, Georgia auto insurance. Find the cheapest annual Oconee, Georgia auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Oconee, Georgia
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,076 | $4,268 |
| Geico | $2,587 | $2,679 |
| Liberty Mutual | $9,217 | $9,217 |
| Nationwide | $6,898 | $6,898 |
| Progressive | $5,720 | $5,720 |
| State Farm | $3,286 | $3,286 |
| USAA | $3,135 | $3,435 |
Cheap Oconee, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Oconee, Georgia? Check out the comparison of annual Oconee, Georgia auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Oconee, Georgia
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,818 | $4,219 | $4,478 |
| Geico | $2,456 | $2,644 | $2,798 |
| Liberty Mutual | $8,843 | $9,168 | $9,641 |
| Nationwide | $6,793 | $7,016 | $6,885 |
| Progressive | $5,150 | $5,611 | $6,398 |
| State Farm | $3,091 | $3,288 | $3,479 |
| USAA | $3,143 | $3,269 | $3,443 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Best By Category: Cheapest Auto Insurance in Oconee, Georgia
Compare the cheapest auto insurance companies in Oconee, Georgia in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Oconee, 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 Oconee, Georgia Auto Insurance Companies
What auto insurance companies in Oconee, Georgia are the cheapest? Compare the top Oconee, Georgia auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Oconee, Georgia
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,172 |
| Geico | $2,633 |
| Liberty Mutual | $9,217 |
| Nationwide | $6,898 |
| Progressive | $5,720 |
| State Farm | $3,286 |
| USAA | $3,285 |
What affects auto insurance rates in Oconee, Georgia?
There are a lot of reasons why auto insurance rates in Oconee, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oconee, Georgia. Many local factors may affect your Oconee auto insurance rates.
Oconee Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oconee, Georgia commute length is 24.8 minutes according to City-Data.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare Oconee, Georgia Auto Insurance Quotes
Before you buy Oconee, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Oconee, Georgia auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Oconee, Georgia?
The minimum auto insurance coverage required in Oconee, Georgia is 25/50/25, as per Georgia auto insurance laws.
How does age, gender, and marital status affect auto insurance rates in Oconee, Georgia?
Age, gender, and marital status can impact auto insurance rates in Oconee, Georgia. Different demographics may have varying annual costs for insurance.
Are there affordable auto insurance options for teen drivers in Oconee, Georgia?
Finding cheap auto insurance for teen drivers in Oconee, Georgia can be challenging, but there are options available. Teen auto insurance rates tend to be higher.
What are the average auto insurance rates for seniors in Oconee, Georgia?
The average auto insurance rates for seniors in Oconee, Georgia can vary. It’s important to compare rates to find the best options for older drivers.
How does a driving record affect auto insurance rates in Oconee, Georgia?
Your driving record has a significant impact on auto insurance rates in Oconee, Georgia. A clean record typically results in lower rates compared to a bad record.
Related Articles
-
Mar 2025
Best Nacogdoches, Texas Auto Insurance in 2026 (Check Out the Top 10 Companies)
-
Oct 2024
Best Auto Insurance After a DUI in Illinois (Top 9 Companies Ranked for 2026)
-
Aug 2025
Best Auto Insurance for Seniors in Arizona (Top 10 Companies for 2026)
-
Jan 2026
Best Mississippi Auto Insurance in 2026 (Find the Top 10 Companies Here!)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption