Best Cheap Auto Insurance in Sapelo Island, GA (2021)

The average Sapelo Island, GA auto insurance rates are $401 per month. The minimum auto insurance in Sapelo Island is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Sapelo Island, 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 Sapelo Island is GEICO
  • The most expensive auto insurance company in Sapelo Island for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Sapelo Island, Georgia is 25/50/25

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

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

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

Minimum Auto Insurance in Sapelo Island, Georgia

Sapelo Island, 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 Sapelo Island, Georgia.

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

Auto insurance rates in Sapelo Island, 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 Sapelo Island, 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 $2,961 $2,961 $2,842 $2,842 $6,895 $8,847 $3,308 $3,609
GEICO $1,631 $1,609 $1,579 $1,579 $4,834 $5,789 $2,096 $2,330
Liberty Mutual $5,303 $5,776 $4,345 $4,933 $22,265 $24,866 $5,621 $5,987
Nationwide $4,132 $4,272 $4,104 $4,509 $13,048 $16,789 $5,059 $5,489
Progressive $2,422 $2,233 $2,079 $2,187 $7,628 $8,457 $2,804 $2,945
State Farm $1,910 $1,910 $1,719 $1,719 $5,145 $6,740 $2,097 $2,271
USAA $1,600 $1,598 $1,484 $1,491 $5,692 $6,747 $1,987 $2,193

Cheap Sapelo Island, Georgia Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sapelo Island, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,895 $8,847
GEICO $4,834 $5,789
Liberty Mutual $22,265 $24,866
Nationwide $13,048 $16,789
Progressive $7,628 $8,457
State Farm $5,145 $6,740
USAA $5,692 $6,747

Cheap Sapelo Island, Georgia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sapelo Island, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,842 $2,842
GEICO $1,579 $1,579
Liberty Mutual $4,345 $4,933
Nationwide $4,104 $4,509
Progressive $2,079 $2,187
State Farm $1,719 $1,719
USAA $1,484 $1,491

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

Annual Sapelo Island, Georgia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,515 $5,480 $4,435 $3,702
GEICO $1,804 $2,262 $4,635 $2,022
Liberty Mutual $7,510 $10,250 $11,787 $10,001
Nationwide $5,520 $6,484 $10,000 $6,697
Progressive $3,014 $5,314 $3,541 $3,508
State Farm $2,674 $3,203 $2,939 $2,939
USAA $2,184 $2,757 $4,025 $2,431

Cheap Sapelo Island, Georgia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sapelo Island, Georgia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,435
GEICO $4,635
Liberty Mutual $11,787
Nationwide $10,000
Progressive $3,541
State Farm $2,939
USAA $4,025

Cheap Sapelo Island, Georgia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sapelo Island, Georgia

Insurance Company Poor Fair Good
Allstate $5,551 $3,859 $3,440
GEICO $3,372 $2,370 $2,301
Liberty Mutual $14,179 $8,679 $6,803
Nationwide $8,541 $6,928 $6,056
Progressive $4,332 $3,741 $3,460
State Farm $4,161 $2,596 $2,060
USAA $3,710 $2,609 $2,228

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Cheap Sapelo Island, Georgia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sapelo Island, Georgia

ZIP Code Average Annual Rates
31327 $4,652

Cheap Sapelo Island, Georgia Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sapelo Island, Georgia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,184 $4,382
GEICO $2,635 $2,727
Liberty Mutual $9,887 $9,887
Nationwide $7,175 $7,175
Progressive $3,844 $3,844
State Farm $2,939 $2,939
USAA $2,720 $2,978

Cheap Sapelo Island, Georgia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sapelo Island, Georgia

Insurance Company Low Medium High
Allstate $3,912 $4,334 $4,603
GEICO $2,501 $2,693 $2,848
Liberty Mutual $9,474 $9,832 $10,355
Nationwide $6,973 $7,313 $7,240
Progressive $3,533 $3,785 $4,216
State Farm $2,747 $2,940 $3,129
USAA $2,723 $2,834 $2,989

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Best By Category: Cheapest Auto Insurance in Sapelo Island, Georgia

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

Best Annual Auto Insurance Rates by Company in Sapelo Island, 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 Sapelo Island, Georgia Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sapelo Island, Georgia

Insurance Company Average Annual Rates
Allstate $4,283
GEICO $2,681
Liberty Mutual $9,887
Nationwide $7,175
Progressive $3,844
State Farm $2,939
USAA $2,849

Compare Sapelo Island, Georgia Auto Insurance Quotes

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