Milledgeville, GA Auto Insurance (2024)
The average Milledgeville, GA auto insurance rates are $410 per month. The minimum auto insurance in Milledgeville is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Milledgeville, Georgia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
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.
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: Jun 23, 2023
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 cheapest auto insurance company in Milledgeville is Geico
- Average auto insurance rates in Milledgeville, GA for senior drivers are $2,739 per year
- The average commute length in Milledgeville is 18.8 minutes
Milledgeville, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Milledgeville 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 Milledgeville, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Milledgeville to other Georgia cities, including Warner Robins auto insurance rates, Sandy Springs auto insurance rates, and Alpharetta auto insurance rates to see how Milledgeville, Georgia auto insurance rates stack up.
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.
Minimum Auto Insurance in Milledgeville, Georgia
Milledgeville, 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 Milledgeville, 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 Milledgeville, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Milledgeville, 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 | $2,853 | $2,853 | $2,725 | $2,725 | $6,601 | $8,512 | $3,190 | $3,484 |
| Geico | $1,917 | $1,887 | $1,851 | $1,851 | $5,634 | $6,735 | $2,441 | $2,733 |
| Liberty Mutual | $5,387 | $5,869 | $4,410 | $5,009 | $22,416 | $25,042 | $5,712 | $6,088 |
| Nationwide | $3,395 | $3,517 | $3,342 | $3,685 | $10,330 | $13,336 | $4,119 | $4,476 |
| Progressive | $3,116 | $2,868 | $2,673 | $2,806 | $9,533 | $10,562 | $3,586 | $3,738 |
| State Farm | $2,159 | $2,159 | $1,927 | $1,927 | $5,580 | $7,353 | $2,363 | $2,545 |
| USAA | $1,841 | $1,842 | $1,698 | $1,713 | $6,554 | $7,778 | $2,301 | $2,553 |
Cheap Milledgeville, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Milledgeville, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Milledgeville, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,601 | $8,512 |
| Geico | $5,634 | $6,735 |
| Liberty Mutual | $22,416 | $25,042 |
| Nationwide | $10,330 | $13,336 |
| Progressive | $9,533 | $10,562 |
| State Farm | $5,580 | $7,353 |
| USAA | $6,554 | $7,778 |
Cheap Milledgeville, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Milledgeville, 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 | $2,725 | $2,725 |
| Geico | $1,851 | $1,851 |
| Liberty Mutual | $4,410 | $5,009 |
| Nationwide | $3,342 | $3,685 |
| Progressive | $2,673 | $2,806 |
| State Farm | $1,927 | $1,927 |
| USAA | $1,698 | $1,713 |
Cheap Milledgeville, 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 Milledgeville, Georgia compared to the annual auto insurance rates with a clean record in Milledgeville, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,408 | $5,220 | $4,262 | $3,581 |
| Geico | $2,101 | $2,641 | $5,427 | $2,355 |
| Liberty Mutual | $7,596 | $10,356 | $11,907 | $10,108 |
| Nationwide | $4,444 | $5,215 | $8,051 | $5,390 |
| Progressive | $3,814 | $6,681 | $4,505 | $4,441 |
| State Farm | $2,975 | $3,527 | $3,251 | $3,251 |
| USAA | $2,515 | $3,177 | $4,645 | $2,804 |
Cheap Milledgeville, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Milledgeville, Georgia is not easy. Compare the annual rates for DUI auto insurance in Milledgeville, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,262 |
| Geico | $5,427 |
| Liberty Mutual | $11,907 |
| Nationwide | $8,051 |
| Progressive | $4,505 |
| State Farm | $3,251 |
| USAA | $4,645 |
Cheap Milledgeville, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Milledgeville, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,331 | $3,709 | $3,314 |
| Geico | $3,938 | $2,768 | $2,688 |
| Liberty Mutual | $14,329 | $8,769 | $6,877 |
| Nationwide | $6,869 | $5,568 | $4,887 |
| Progressive | $5,509 | $4,723 | $4,348 |
| State Farm | $4,610 | $2,870 | $2,274 |
| USAA | $4,286 | $3,006 | $2,563 |
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Cheap Milledgeville, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Milledgeville, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Milledgeville, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 31062 | $4,746 |
Cheap Milledgeville, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Milledgeville, Georgia auto insurance. Find the cheapest annual Milledgeville, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,025 | $4,211 |
| Geico | $3,077 | $3,185 |
| Liberty Mutual | $9,992 | $9,992 |
| Nationwide | $5,775 | $5,775 |
| Progressive | $4,860 | $4,860 |
| State Farm | $3,251 | $3,251 |
| USAA | $3,135 | $3,435 |
Cheap Milledgeville, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Milledgeville, Georgia? Check out the comparison of annual Milledgeville, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,816 | $4,157 | $4,380 |
| Geico | $2,903 | $3,147 | $3,343 |
| Liberty Mutual | $9,583 | $9,939 | $10,454 |
| Nationwide | $5,587 | $5,878 | $5,860 |
| Progressive | $4,420 | $4,776 | $5,385 |
| State Farm | $3,056 | $3,253 | $3,445 |
| USAA | $3,143 | $3,269 | $3,443 |
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Best By Category: Cheapest Auto Insurance in Milledgeville, Georgia
Compare the cheapest auto insurance companies in Milledgeville, Georgia in each category to find the company with the best rates for your personal needs.
| 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 Milledgeville, Georgia Auto Insurance Companies
What auto insurance companies in Milledgeville, Georgia are the cheapest? Compare the top Milledgeville, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,118 |
| Geico | $3,131 |
| Liberty Mutual | $9,992 |
| Nationwide | $5,775 |
| Progressive | $4,860 |
| State Farm | $3,251 |
| USAA | $3,285 |
What affects auto insurance rates in Milledgeville, Georgia?
There are a lot of reasons why auto insurance rates in Milledgeville, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Milledgeville, Georgia. Many local factors may affect your Milledgeville auto insurance rates.
Milledgeville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Milledgeville, Georgia commute length is 18.8 minutes according to City-Data.
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Compare Milledgeville, Georgia Auto Insurance Quotes
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.
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.
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.
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.
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 provides protection for the value of your vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.