Best Milledgeville, Georgia Auto Insurance in 2024 (Check Out the Top 10 Companies)
The average cost for the best Milledgeville, Georgia auto insurance is $61/month, with leading providers State Farm, Erie, and Geico offering the most competitive rates and comprehensive coverage options. Compare quotes from multiple companies to find the best cheap Milledgeville, Georgia auto insurance.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Sep 18, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage in Milledgeville
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19,116 reviewsThe average monthly cost for the best Milledgeville, Georgia auto insurance is $61, with top providers being State Farm, Erie, and Geico.
Georgia auto insurance rules mandate Milledgeville, Georgia drivers to have 25/50/25 auto insurance coverage. Finding cheap auto insurance in Milledgeville might be a daunting endeavor, but all of the information you need is right here.
Our Top 10 Company Picks: Best Milledgeville, Georgia Auto Insurance
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | B | Customer Satisfaction | State Farm |
 | #2 | 10% | A+ | Competitive Rates | Erie |
 | #3 | 25% | A++ | Affordable Premiums | Geico |
 | #4 | 12% | A+ | Customizable Coverage | Progressive |
 | #5 | 10% | A++ | Military Focus | USAA |
 | #6 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #7 | 25% | A | Personalized Policies | Liberty Mutual |
 | #8 | 20% | A+ | Discount Options | Nationwide |
 | #9 | 8% | A++ | Hybrid Friendly | Travelers |
 | #10 | 25% | A+ | Senior Benefits | The Hartford |
Before you buy Milledgeville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Milledgeville, Georgia auto insurance quotes.
- The cheapest auto insurance company in Milledgeville is Geico
- Average auto insurance rates in Milledgeville, GA for senior drivers are $228/mo
- The average commute length in Milledgeville is 18.8 minutes
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#1 – State Farm: Top Overall Pick
Pros
- Top-Ranked Provider: Consistently rated as one of the best Milledgeville, Georgia auto insurance companies, ensuring reliability and comprehensive coverage.
- Extensive Network: A wide network of agents and offices across the country makes State Farm a strong option, as highlighted in our State Farm auto insurance review.
- Strong Discounts: Offers a 20% multi-vehicle discount and other savings, contributing to their reputation for competitive rates.
Cons
- Higher Rates for Some: Some may have higher rates than other providers, which can affect those seeking the most affordable coverage.
- Limited Digital Tools: Digital tools and app features are less advanced compared to competitors, which can be a drawback for managing your policy.
#2 – Erie: Best for Competitive Rates
Pros
- Competitive Rates: Offers some of the most competitive rates, including a 10% discount for insuring multiple vehicles.
- Comprehensive Coverage: Provides a wide range of coverage options, strengthening its reputation as a leading auto insurance provider.
- Customer Satisfaction: High customer satisfaction and an A+ rating from A.M. Best make Erie a top pick for reliable auto insurance.
Cons
- Regional Availability: Limited availability in certain states may restrict options for those looking for the best auto insurance. Our complete Erie auto insurance review goes over this in more detail.
- Complex Policy Terms: Some customers find policy terms complex, which can complicate understanding and obtaining the best Milledgeville, Georgia auto insurance.
#3 – Geico: Best for Affordable Premiums
Pros
- Affordable Premiums: With some of the lowest premiums and a 25% multi-vehicle discount, Geico stands out for those seeking cost-effective auto insurance in Milledgeville.
- User-Friendly Digital Experience: Geico is highly praised for its intuitive online tools and mobile app, making it a top choice for convenient auto insurance management.
- Quick Quote Process: The fast and straightforward quote process makes Geico a leading option for easy and efficient auto insurance coverage, as outlined in our Geico auto insurance review.
Cons
- Limited Local Presence: Fewer local agents and offices may impact the personalized service aspect of the best Milledgeville, Georgia auto insurance.
- Basic Coverage Options: Geico may offer fewer extensive coverage options compared to other providers, which could limit the benefits for some users.
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#4 – Progressive: Best for Customizable Coverage
Pros
- Customizable Coverage: Offers various options to tailor your coverage, including the Snapshot program, making it a strong choice for flexible auto insurance.
- Snapshot Program: Provides extra discounts based on driving habits, adding value to your insurance experience.
- Good Customer Service: With positive reviews for customer service and claims handling, Progressive is a dependable choice for reliable auto insurance.
Cons
- Higher Rates for Poor Credit: Premiums can be significantly higher for drivers with poor credit, potentially affecting access to the best Milledgeville, Georgia auto insurance.
- Complex Pricing Structure: The complex pricing structure can make it challenging to predict costs, as we discussed further in our Progressive auto insurance review.
#5 – USAA: Best for Military Focus
Pros
- Best for Military Families: Specialized benefits for military members and their families, with a 10% multi-vehicle discount. Read more through our USAA auto insurance review.
- Excellent Rates: Provides very competitive rates, especially for those with good credit, supported by an A++ rating from A.M. Best.
- Top Customer Satisfaction: Consistently high ratings for customer satisfaction and claims service make USAA a leading provider of the best Milledgeville, Georgia auto insurance.
Cons
- Limited Eligibility: Available only to military members, veterans, and their families, restricting access to others.
- Fewer Local Agents: A limited number of local agents compared to larger insurers can impact personalized service.
#6 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Extensive range of coverage options, including a 25% multi-vehicle discount, contributes to Allstate being among the best Milledgeville, Georgia auto insurance providers.
- Local Agents: A large network of local agents provides personalized service, enhancing Allstate’s reputation, as stated in our Allstate auto insurance review.
- Strong Discounts: Various discounts, including a 25% multi-vehicle discount, make Allstate a competitive option for the best auto insurance.
Cons
- Average Rates: Premiums are average and may not be the lowest, potentially affecting Allstate’s position as the most cost-effective auto insurance provider in Milledgeville, Georgia.
- Mixed Customer Service: Customer service reviews are mixed, which can affect overall satisfaction.
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#7 – Liberty Mutual: Best for Personalized Policies
Pros
- Personalized Policies: Liberty Mutual offers a variety of personalized policy options and a 25% multi-vehicle discount, making it a strong choice for tailored coverage.
- Discount Opportunities: With several discount options, including bundling and safe driving, Liberty Mutual is well-regarded for offering savings on auto insurance.
- Flexible Payment Plans: Its flexible payment options enhance affordability, making Liberty Mutual a top pick for budget-friendly insurance.
Cons
- Higher Premiums: Higher premiums can impact Liberty Mutual’s reputation as a cost-effective insurance choice. Visit our detailed article, “Liberty Mutual Car Insurance Review,” for more information.
- Customer Service Issues: Challenges with claims processing and customer service can affect overall satisfaction with the insurance provider.
#8 – Nationwide: Best for Discount Options
Pros
- Discount Variety: As mentioned in the Nationwide auto insurance review, it offers various discounts, including a 20% multi-vehicle discount.
- Strong Financial Rating: With an A+ rating from A.M. Best, Nationwide demonstrates significant financial stability and reliability, enhancing its reputation as a reliable auto insurance provider.
- User-Friendly Tools: Nationwide’s intuitive online tools and mobile app simplify policy and claim management, making it a convenient choice for managing your auto insurance.
Cons
- Higher Rates for Some: Premiums may be higher for certain drivers, particularly those with poor credit, affecting overall affordability.
- Limited Local Presence: With fewer local agents and offices compared to larger insurers, Nationwide might offer less personalized service.
#9 – Travelers: Best for Hybrid Friendly
Pros
- Hybrid-Friendly Coverage: Offers specialized coverage for hybrid and electric vehicles, making Travelers a leading choice for the best Milledgeville, Georgia auto insurance for eco-conscious drivers.
- Customizable Policies: Provides a range of customizable policy options and add-ons, including unique features for hybrid vehicles.
- Strong Financial Stability: A High A++ rating from A.M. Best ensures reliable and stable coverage, based on our Travelers auto insurance review.
Cons
- Complex Policy Terms: Complex policy terms can make it challenging for some customers to navigate.
- Higher Rates for Poor Credit: Premiums can be higher for drivers with poor credit, which may impact access to the most affordable auto insurance.
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#10 – The Hartford: Best for Senior Benefits
Pros
- Best for Seniors: The Hartford offers specialized coverage and benefits designed for seniors, making it a top option for older drivers.
- Comprehensive Discounts: With a 25% discount for multiple vehicles and various other savings, The Hartford stands out for its value.
- Strong Customer Service: Known for excellent customer service and efficient claims handling, The Hartford is highly regarded for its reliability
Cons
- Higher Premiums: Premiums can be higher compared to other providers, which might impact affordability for those seeking the best Milledgeville, Georgia auto insurance.
- Limited Local Presence: The Hartford auto insurance review highlights that the limited number of local agents and offices compared to bigger competitors could influence the quality of personalized service.
Minimum Auto Insurance in Milledgeville, Georgia
Milledgeville, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance requirements to be financially responsible in the event of an accident. This helps protect both drivers and victims from the potentially devastating costs of a collision.
Milledgeville, Georgia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $72 | $111 |
| $61 | $95 |
| $106 | $165 |
| $139 | $252 |
| $159 | $246 |
| $92 | $160 |
| $66 | $102 |
| $68 | $110 |
| $90 | $192 |
| $77 | $119 |
This mandatory coverage includes liability insurance, which is divided into bodily injury liability and property damage liability. The minimum required limits are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.
These coverage limits are intended to provide basic financial protection in the event you are at fault in an accident. However, it’s important to assess whether these minimums are sufficient for your needs, as accident-related costs can often exceed these limits.
The Cheapest Milledgeville, Georgia Auto Insurance Companies
To find the cheapest auto insurance in Milledgeville, Georgia, comparing rates from top companies is key. Geico stands out as the cheapest option, with an average monthly rate of $261. State Farm and USAA are also competitively priced, with averages of $271 and $274, respectively.
| Insurance Company | Rates |
|---|---|
| $343 |
| $225 |
| $261 |
| $833 |
| $481 |
| $405 |
| $271 |
| $174 |
| $194 |
| $274 |
In contrast, Liberty Mutual is the most expensive, with an average monthly rate of $833. Nationwide and Progressive have higher premiums too, averaging $481 and $405 per month, respectively.
Allstate falls in the middle, with an average rate of $343. For the best savings, consider the more affordable options like Geico, State Farm, and USAA.
To secure the best deal, it is advisable to compare these rates, keeping in mind that cheaper options like Geico, State Farm, and USAA may offer significant savings over more expensive alternatives.
To ensure you get the most accurate and relevant rates for your specific needs, enter your ZIP code below to compare quotes from various insurers and see which offers the best value for you.
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Cheap Milledgeville, Georgia Auto Insurance by Credit History
Credit history plays a significant role in determining the cost of auto insurance, and this is evident in the varying rates based on credit scores in Milledgeville, Georgia. Drivers with poor credit can expect to pay considerably more for their auto insurance compared to those with fair or good credit.
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $276 | $309 | $444 |
| $245 | $278 | $390 |
| $224 | $231 | $328 |
| $573 | $731 | $1,194 |
| $407 | $464 | $572 |
| $362 | $394 | $459 |
| $190 | $239 | $384 |
| $280 | $335 | $475 |
| $268 | $312 | $422 |
| $214 | $251 | $357 |
For instance, Allstate charges $444 monthly for drivers with poor credit, but this rate drops to $309 for those with fair credit and further to $276 for drivers with good credit. Similarly, Geico’s rates decrease from $328 for poor credit to $231 for fair credit and $244 for good credit.
Liberty Mutual, known for its higher rates, charges $1,194 for drivers with poor credit, which reduces to $731 for fair credit and $573 for good credit. Other insurers like Nationwide, Progressive, State Farm, and USAA also show a significant reduction in rates as credit scores improve.
This comparison underscores the importance of maintaining a good credit score to secure lower auto insurance premiums in Milledgeville, Georgia.
Read more: Best Auto Insurance Companies That Use Credit Scores
Factors Influencing Auto Insurance Rates in Milledgeville, Georgia
Factors that affect auto insurance rates in Milledgeville, Georgia can lead to significant variations compared to other cities. One of the primary reasons for these fluctuations is the local traffic conditions and the rate of vehicle thefts within the area.
Auto Insurance Discounts From the Top Providers in Milledgeville, Georgia
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, safe driver, good student, multi-car, new car, responsible payer, anti-theft system, early signing, paperless billing, pay-in-full |
| Multi-policy, safe driver, good student, multi-car, vehicle safety, accident forgiveness, young driver discount |
| Multi-policy, safe driver, good student, multi-vehicle, military, emergency deployment, federal employee, anti-theft system, new vehicle, defensive driving course |
| Multi-policy, safe driver, good student, newly married, new vehicle, paperless, pay-in-full, homeowner, early shopper, vehicle safety, anti-theft system |
| Multi-policy, safe driver, good student, multi-car, anti-theft system, paperless, pay-in-full, accident-free, defensive driving course |
| Multi-policy, multi-car, safe driver, good student, pay-in-full, paperless, continuous insurance, homeowner, snapshot (usage-based discount) |
| Multi-policy, safe driver, good student, accident-free, vehicle safety, defensive driving course, passive restraint system, anti-theft system, driver training |
| Multi-policy, safe driver, anti-theft system, defensive driving course, good student, vehicle safety, retiree discount, accident forgiveness, new vehicle |
| Multi-policy, multi-car, safe driver, good student, homeownership, new car, hybrid vehicle, EFT (electronic funds transfer), pay-in-full, affinity group, defensive driving course |
| Multi-policy, multi-vehicle, safe driver, good student, new vehicle, military-specific discounts, defensive driving course, storage discount for deployed vehicles |
For instance, higher traffic congestion or a greater incidence of car thefts can drive up insurance premiums as these factors increase the risk of accidents or claims. Moreover, the average commute time in Milledgeville also plays a role in determining insurance costs.
Cities where drivers face longer commute times often experience higher auto insurance rates.Ty Stewart Licensed Insurance Agent
According to City-Data, the average commute time in Milledgeville is 18.8 minutes. While this is relatively short compared to some larger cities, it still contributes to the overall risk assessment by insurers, potentially impacting the cost of coverage.
Local conditions such as these can influence your auto insurance rates in Milledgeville, making it essential to consider both broader and local factors when evaluating your insurance options.
Before you buy Milledgeville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Milledgeville, Georgia auto insurance quotes.
Frequently Asked Questions
What is auto insurance, and why is it important in Milledgeville, GA?
Auto insurance is a contract between a policyholder and an insurance company that provides financial protection in case of an accident, theft, or other damages involving a vehicle.
In Milledgeville, GA, as in most places, auto insurance is mandatory by law. It helps protect drivers, passengers, and other parties involved in an accident by covering medical expenses, property damage, and liability claims.
Is auto insurance mandatory in Milledgeville, GA?
Yes, auto insurance is mandatory in Milledgeville, GA, as it is in the entire state of Georgia. The law requires all drivers to carry a minimum amount of liability insurance coverage to ensure financial responsibility in case of accidents.
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What types of auto insurance coverage are available in Milledgeville, GA?
Milledgeville, GA offers various types of auto insurance coverage. These typically include:
- Liability Coverage: Covers injuries and property damage caused to others in an accident where you are at fault.
- Collision Coverage: Pays for damages to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive Coverage: Covers damages to your vehicle from non-collision incidents, such as theft, vandalism, or weather events.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has no insurance or inadequate coverage.
- Medical Payments Coverage: Covers medical expenses for you and your passengers regardless of who is at fault.
- Personal Injury Protection (PIP): Similar to medical payments coverage, PIP covers medical expenses and other related costs for you and your passengers.
How are auto insurance rates determined in Milledgeville, GA?
Auto insurance rates in Milledgeville, GA are determined based on several factors, including:
- Your driving record: A history of accidents or traffic violations can lead to higher premiums.
- Age and gender: Younger drivers and males typically have higher insurance rates due to statistically higher risk.
- Type of vehicle: The make, model, and year of your vehicle can affect insurance rates.
- Location: Factors such as crime rates and the frequency of accidents in Milledgeville, GA, can impact rates.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select will influence your premiums.
- Credit history: In some cases, insurance companies may consider your credit history when determining rates.
What does liability insurance cover?
Liability insurance covers damages or injuries you may cause to others while operating your vehicle. It typically includes two components: bodily injury liability, which pays for medical expenses and other costs related to injuries, and property damage liability, which covers damages to another person’s property.
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What is collision coverage?
Collision coverage is an optional insurance component that pays for damages to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This coverage helps cover the cost of repairing or replacing your vehicle.
What does comprehensive coverage include?
Comprehensive coverage is another optional component that covers damages to your vehicle that are not caused by a collision. This can include theft, vandalism, fire, natural disasters, falling objects, and other specified events. It protects the value of your vehicle.
What are Liberty Mutual’s affordability challenges?
Liberty Mutual’s premiums are generally higher compared to other insurers, which can affect affordability for the best Milledgeville, Georgia auto insurance.
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How does The Hartford support senior drivers?
The Hartford provides tailored benefits and coverage options specifically for seniors, and it offers a 25% multi-vehicle discount. Additionally, The Hartford includes various car insurance discounts that enhance its appeal as a top choice for senior drivers seeking the best Milledgeville, Georgia auto insurance.
Which provider has the highest multi-vehicle discount?
Geico and The Hartford both offer a 25% multi-vehicle discount, making them leaders in providing savings for multiple vehicles.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.