The best car insurance in Cumming, GA

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 10, 2021

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Cumming, Georgia sits just north of the Atlanta metropolitan area. The average cost of full coverage car insurance in Cumming is $1,961, which is a little more expensive than the average for the state of Georgia.

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The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. Policygenius can help you see quotes from top providers and choose the coverage that's right for you.

Key Takeaways

  • Auto-Owners Insurance offers the lowest average rates in Cumming at $858 per year for a full coverage policy

  • The average cost of full coverage car insurance in Georgia is $1,710

  • The cheapest ZIP code for insurance in Cumming is 30028

Cheapest car insurance companies in Cumming, GA

Car insurance companies use factors like age and driving history, driving history, vehicle type, and even credit score to determine car insurance rates. Even though all companies use the same information, they calculate it differently, which is why rates can vary widely from company to company. 

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$858

890

USAA

$1,123

890

GEICO

$1,403

871

Georgia Farm Bureau

$1,436

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State Farm

$1,444

881

Cheapest car insurance rates by ZIP code in Cumming, GA

Different areas of a city have different crime rates, frequency of traffic tickets or accidents, and parking options — all of which are factors that car insurance companies consider when setting rates.

ZIP code

Average cost

30028

$1,734

30040

$1,737

30041

$1,737

Choosing the right car insurance company in Cumming, GA

Cost is important, but it’s not the only thing to consider when shopping for car insurance. You should also look at discount options, claims satisfaction ratings, perks like accident forgiveness and even whether or not the company offers a mobile app for on-the-go claims filing.

If you're ready to start shopping, Policygenius can help you see quotes from top providers in your area and choose the coverage that's right for you.

Car insurance rates for drivers with driving violations in Cumming, GA

Whether a driver has a clean (or not-so-clean) driving record can have major impacts on their car insurance rates. Violations like a DUI/DWI, improper passing, even failure to stop at a red light can mean much higher rates. 

Violation

Auto-Owners Insurance

USAA

GEICO

Georgia Farm Bureau

State Farm

At-fault Accident

$1,127

$1,685

$2,267

$1,753

$1,734

DUI

$1,569

$2,351

$4,538

$2,918

$1,597

Driving with a suspended license

$1,569

$2,229

$2,795

$2,918

$1,597

Driving with an open container

$1,569

$1,723

$1,453

$2,918

$1,597

Driving with expired registration

$851

$1,457

$1,453

$1,429

$1,597

Driving without Lights

$851

$1,457

$1,453

$1,429

$1,597

Failure to show documents

$851

$1,457

$1,453

$1,429

$1,597

Failure to stop at a red light

$851

$1,457

$1,453

$1,429

$1,597

Cheapest car insurance for drivers with bad credit in Cumming, GA

Georgia is one of the many states that allows companies to consider a driver’s credit score when setting rates. This means drivers in Georgia may pay higher insurance rates if they have a bad credit score, so it’s all the more important for drivers with poor credit to shop around and compare quotes for they buy.

Company

Rates for drivers with bad credit

GEICO

$1,735

Safeway Insurance

$1,849

USAA

$2,114

Auto-Owners Insurance

$2,190

Nationwide

$2,230

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Buying car insurance in Cumming, GA

Drivers in Georgia are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily liability coverage and $25,000 in property damage liability coverage. 

Georgia is an at fault state. That means that the insurance company of the driver responsible for an accident will pay for the other party’s repair costs and medical bills. If you happen to be involved in an accident but not the party at fault, then your damage or injuries will be covered by the other driver’s insurance company.

How to get cheap car insurance in Cumming, GA

Initial car insurance quotes can seem expensive. Fortunately, there are some go-to methods for lowering your rates.

  • Find discounts: Insurance companies offer discounts or qualifying customers, for things like safe driving, paying your bill in-full for the year, or going paperless

  • Bundle policies: Get your home and auto insurance from the same insurance company to save on both

  • Improve your credit score: Take steps to improve low credit scores, like paying down debt and making all payments on time

  • Raise your deductible. Raising your insurance deductible can significantly lower your rates, but remember that you might have to actually pay that amount someday

  • Shop around: Reevaluate your coverage every year or so to see if you could be getting the same coverage at a lower rate from another company

Frequently asked questions

Which ZIP code has the most expensive car insurance in Cummings?

Our research shows there are two areas of Cumming, GA that average the highest cost for car insurance, ZIP codes 30040 and 30041.

What kind of driving violations have the biggest impact on car insurance rates?

Violations that involve alcohol or other substances often have the biggest impact on insurance rates. Drivers who have DUI/DWI or a driving with an open container violation can expect to see the highest car insurance rates.

Can gender affect my insurance rates?

Most states allow the inclusion of gender when determining car insurance rates. But gender cannot be the only factor used and it cannot be the reason a driver is rejected by a car insurance provider.

What is considered a bad credit score?

Credit scores are on a scale that ranges from 300 to 850. A credit score is considered fair when it’s between 601 and 660. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.