Best Cheap Auto Insurance in St. Simons, GA (2021)

The average St. Simons, GA auto insurance rates are $366 per month. The minimum auto insurance in St. Simons is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in St. Simons, 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

  • Average auto insurance rates in St. Simons, GA for senior drivers are $2,436 per year
  • The minimum auto insurance required in St. Simons, Georgia is 25/50/25
  • The cheapest auto insurance company in St. Simons is GEICO

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

Compare auto insurance in St. Simons to other Georgia cities, including South Fulton auto insurance rates, Sandy Springs auto insurance rates, and Roswell auto insurance rates to see how St. Simons, Georgia auto insurance rates stack up.

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

Minimum Auto Insurance in St. Simons, Georgia

St. Simons, 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 St. Simons, Georgia.

Minimum Required Auto Insurance Coverage in St. Simons, 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 St. Simons, Georgia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Simons, 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 St. Simons, 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 $1,502 $1,488 $1,460 $1,460 $4,557 $5,459 $1,952 $2,165
Liberty Mutual $4,979 $5,419 $4,079 $4,627 $21,123 $23,581 $5,278 $5,619
Nationwide $3,282 $3,392 $3,266 $3,583 $10,160 $13,049 $3,999 $4,332
Progressive $2,206 $2,026 $1,897 $2,002 $7,183 $7,960 $2,559 $2,691
State Farm $1,866 $1,866 $1,680 $1,680 $5,011 $6,571 $2,049 $2,216
USAA $1,436 $1,434 $1,338 $1,342 $5,052 $5,971 $1,777 $1,957

Cheap St. Simons, Georgia Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Simons, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,895 $8,847
GEICO $4,557 $5,459
Liberty Mutual $21,123 $23,581
Nationwide $10,160 $13,049
Progressive $7,183 $7,960
State Farm $5,011 $6,571
USAA $5,052 $5,971

Cheap St. Simons, Georgia Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Simons, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,842 $2,842
GEICO $1,460 $1,460
Liberty Mutual $4,079 $4,627
Nationwide $3,266 $3,583
Progressive $1,897 $2,002
State Farm $1,680 $1,680
USAA $1,338 $1,342

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

Annual St. Simons, 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 $1,694 $2,116 $4,314 $1,898
Liberty Mutual $7,088 $9,685 $11,136 $9,444
Nationwide $4,350 $5,100 $7,818 $5,264
Progressive $2,782 $4,964 $3,278 $3,238
State Farm $2,610 $3,125 $2,867 $2,867
USAA $1,952 $2,461 $3,568 $2,172

Cheap St. Simons, Georgia Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Simons, Georgia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,435
GEICO $4,314
Liberty Mutual $11,136
Nationwide $7,818
Progressive $3,278
State Farm $2,867
USAA $3,568

Cheap St. Simons, Georgia Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Simons, Georgia

Insurance Company Poor Fair Good
Allstate $5,551 $3,859 $3,440
GEICO $3,151 $2,215 $2,150
Liberty Mutual $13,383 $8,203 $6,428
Nationwide $6,684 $5,443 $4,773
Progressive $3,992 $3,475 $3,229
State Farm $4,058 $2,533 $2,010
USAA $3,299 $2,327 $1,989

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Cheap St. Simons, Georgia Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in St. Simons, Georgia

ZIP Code Average Annual Rates
31522 $4,242

Cheap St. Simons, Georgia Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in St. Simons, Georgia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,184 $4,382
GEICO $2,463 $2,547
Liberty Mutual $9,338 $9,338
Nationwide $5,633 $5,633
Progressive $3,565 $3,565
State Farm $2,867 $2,867
USAA $2,423 $2,653

Cheap St. Simons, Georgia Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Simons, Georgia

Insurance Company Low Medium High
Allstate $3,912 $4,334 $4,603
GEICO $2,316 $2,518 $2,682
Liberty Mutual $8,950 $9,287 $9,778
Nationwide $5,405 $5,740 $5,753
Progressive $3,281 $3,511 $3,904
State Farm $2,676 $2,868 $3,058
USAA $2,422 $2,525 $2,669

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Best By Category: Cheapest Auto Insurance in St. Simons, Georgia

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

Best Annual Auto Insurance Rates by Company in St. Simons, 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 St. Simons, Georgia Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Simons, Georgia

Insurance Company Average Annual Rates
Allstate $4,283
GEICO $2,505
Liberty Mutual $9,338
Nationwide $5,633
Progressive $3,565
State Farm $2,867
USAA $2,538

What affects auto insurance rates in St. Simons, Georgia?

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

St. Simons Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Simons, Georgia commute length is 18.5 minutes according to City-Data.

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Compare St. Simons, Georgia Auto Insurance Quotes

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