Best Valdosta, Georgia Auto Insurance in 2024
The average Valdosta, GA auto insurance rates are $335 per month. The minimum auto insurance in Valdosta is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Valdosta, Georgia, compare quotes from multiple companies.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Aug 21, 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: Aug 21, 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.
On This Page
- The most expensive auto insurance company in Valdosta for teen drivers is Liberty Mutual
- The minimum auto insurance required in Valdosta, Georgia is 25/50/25
- Average auto insurance rates in Valdosta, GA for senior drivers are $2,225 per year
Valdosta, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Valdosta 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 Valdosta, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Valdosta to other Georgia cities, including Alpharetta auto insurance rates, Roswell auto insurance rates, and Albany auto insurance rates to see how Valdosta, Georgia auto insurance rates stack up.
Before you buy Valdosta, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Valdosta, Georgia auto insurance quotes.
Minimum Auto Insurance in Valdosta, Georgia
Valdosta, 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 Valdosta, 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 Valdosta, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Valdosta, 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 | $1,296 | $1,284 | $1,260 | $1,260 | $3,939 | $4,717 | $1,684 | $1,870 |
| Liberty Mutual | $4,989 | $5,436 | $4,088 | $4,641 | $20,620 | $23,033 | $5,291 | $5,641 |
| Nationwide | $2,848 | $2,945 | $2,816 | $3,092 | $8,605 | $11,065 | $3,448 | $3,736 |
| Progressive | $2,054 | $1,878 | $1,769 | $1,866 | $6,622 | $7,329 | $2,368 | $2,470 |
| State Farm | $1,792 | $1,792 | $1,613 | $1,613 | $4,817 | $6,314 | $1,967 | $2,129 |
| USAA | $1,407 | $1,405 | $1,313 | $1,317 | $4,946 | $5,840 | $1,740 | $1,916 |
Cheap Valdosta, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Valdosta, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Valdosta, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,433 | $6,994 |
| Geico | $3,939 | $4,717 |
| Liberty Mutual | $20,620 | $23,033 |
| Nationwide | $8,605 | $11,065 |
| Progressive | $6,622 | $7,329 |
| State Farm | $4,817 | $6,314 |
| USAA | $4,946 | $5,840 |
Cheap Valdosta, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Valdosta, 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 | $1,260 | $1,260 |
| Liberty Mutual | $4,088 | $4,641 |
| Nationwide | $2,816 | $3,092 |
| Progressive | $1,769 | $1,866 |
| State Farm | $1,613 | $1,613 |
| USAA | $1,313 | $1,317 |
Cheap Valdosta, 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 Valdosta, Georgia compared to the annual auto insurance rates with a clean record in Valdosta, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,807 | $4,318 | $3,501 | $2,950 |
| Geico | $1,464 | $1,827 | $3,723 | $1,641 |
| Liberty Mutual | $7,010 | $9,551 | $10,982 | $9,327 |
| Nationwide | $3,728 | $4,364 | $6,681 | $4,505 |
| Progressive | $2,563 | $4,579 | $3,049 | $2,986 |
| State Farm | $2,507 | $3,002 | $2,755 | $2,755 |
| USAA | $1,913 | $2,413 | $3,488 | $2,129 |
Cheap Valdosta, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Valdosta, Georgia is not easy. Compare the annual rates for DUI auto insurance in Valdosta, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,501 |
| Geico | $3,723 |
| Liberty Mutual | $10,982 |
| Nationwide | $6,681 |
| Progressive | $3,049 |
| State Farm | $2,755 |
| USAA | $3,488 |
Cheap Valdosta, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Valdosta, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,399 | $3,055 | $2,727 |
| Geico | $2,721 | $1,913 | $1,857 |
| Liberty Mutual | $13,220 | $8,088 | $6,345 |
| Nationwide | $5,716 | $4,653 | $4,089 |
| Progressive | $3,697 | $3,211 | $2,975 |
| State Farm | $3,900 | $2,433 | $1,931 |
| USAA | $3,228 | $2,279 | $1,949 |
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Cheap Valdosta, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Valdosta, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Valdosta, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 31602 | $3,893 |
| 31605 | $3,824 |
| 31606 | $3,867 |
| 31698 | $3,881 |
Cheap Valdosta, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Valdosta, Georgia auto insurance. Find the cheapest annual Valdosta, 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 | $2,128 | $2,200 |
| Liberty Mutual | $9,217 | $9,217 |
| Nationwide | $4,819 | $4,819 |
| Progressive | $3,294 | $3,294 |
| State Farm | $2,755 | $2,755 |
| USAA | $2,373 | $2,598 |
Cheap Valdosta, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Valdosta, Georgia? Check out the comparison of annual Valdosta, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,109 | $3,431 | $3,642 |
| Geico | $1,999 | $2,175 | $2,317 |
| Liberty Mutual | $8,843 | $9,168 | $9,641 |
| Nationwide | $4,641 | $4,904 | $4,914 |
| Progressive | $2,998 | $3,238 | $3,647 |
| State Farm | $2,575 | $2,756 | $2,934 |
| USAA | $2,367 | $2,471 | $2,618 |
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Best By Category: Cheapest Auto Insurance in Valdosta, Georgia
Compare the cheapest auto insurance companies in Valdosta, Georgia in each category to find the company with the best rates for your personal needs.
| 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 Valdosta, Georgia Auto Insurance Companies
What auto insurance companies in Valdosta, Georgia are the cheapest? Compare the top Valdosta, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,394 |
| Geico | $2,164 |
| Liberty Mutual | $9,217 |
| Nationwide | $4,819 |
| Progressive | $3,294 |
| State Farm | $2,755 |
| USAA | $2,485 |
What affects auto insurance rates in Valdosta, Georgia?
There are a lot of reasons why auto insurance rates in Valdosta, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Valdosta, Georgia. Many local factors may affect your Valdosta auto insurance rates.
Valdosta Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Valdosta, Georgia commute length is 18.7 minutes according to City-Data.
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Compare Valdosta, Georgia Auto Insurance Quotes
Before you buy Valdosta, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Valdosta, Georgia auto insurance quotes.
Frequently Asked Questions
What factors affect auto insurance rates in Valdosta, GA?
Several factors can influence auto insurance rates in Valdosta, GA. Some of the key factors include your driving record, age, gender, marital status, the type of vehicle you drive, your credit score, the coverage options you choose, and the deductible amount you select.
What are the minimum auto insurance requirements in Valdosta, GA?
In Valdosta, GA, drivers are required to carry minimum liability coverage, which includes:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Are there any additional optional coverages I should consider for my auto insurance in Valdosta, GA?
While the minimum liability coverage is mandatory, there are several additional optional coverages you can consider to enhance your protection. Some common optional coverages include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and rental car reimbursement. It’s advisable to discuss your specific needs with an insurance agent to determine which additional coverages are suitable for you.
How can I lower my auto insurance premiums in Valdosta, GA?
There are several ways to potentially lower your auto insurance premiums in Valdosta, GA. Some effective strategies include maintaining a clean driving record, bundling your auto insurance with other policies (such as homeowner’s insurance), opting for a higher deductible, driving a vehicle with advanced safety features, and taking advantage of any available discounts offered by insurance providers.
hat should I do in the event of an auto accident in Valdosta, GA?
If you’re involved in an auto accident in Valdosta, GA, it’s important to take certain steps to protect yourself and your interests. These steps include:
- Ensuring the safety of all parties involved and seeking medical attention if needed.
- Contacting the local authorities and reporting the accident.
- Gathering information from the other driver(s) involved, such as their name, contact details, license plate number, and insurance information.
- Documenting the accident scene by taking photos and gathering witness statements if possible.
- Notifying your insurance provider and providing them with the necessary details of the accident.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.