The best car insurance in Valdosta, GA

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 8, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

A full coverage car insurance policy costs an average of $1,387 per year in Valdosta. That’s $323 lower than the Georgia state average of $1,710 per year. But averages don’t tell the whole story, since rates can vary widely from company to company.

Ready to shop car insurance?

Start calculator

If you want the lowest rate on car insurance, you have to shop around and get quotes from several insurers before you buy. Policygenius makes it easy to compare quotes from top companies so you can choose the policy that’s right for you.

Key Takeaways

  • Auto-Owners Insurance has the lowest full coverage car insurance in Valdosta at an average of $858 per year

  • Discounts for safe driving or paying your bill in full rather than monthly can help you save on car insurance

  • Georgia drivers must have minimum liability coverage of at east $25,000 for property damage per accident, $25,000 bodily injury per person, and $50,000 bodily injury per accident

Cheapest car insurance companies in Valdosta, GA

How much you pay for car insurance depends on where you live, your age, your driving record, and the car you drive. Insurance companies each have their own methods for coming up with a rate, so you may get different rates from different companies, even for the same coverage. This table shows the five cheapest car insurance companies in Valdosta and their J.D. Power scores.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$858

890

USAA

$874

890

GEICO

$1,016

871

State Farm

$1,156

881

Nationwide

$1,198

876

Cheapest car insurance rates by ZIP code in Valdosta, GA

Insurance companies use your ZIP codes to calculate the risks in your neighborhood, looking at factors like access to parking, rates of theft and vandalism, and the number of accidents and traffic tickets issued in the ZIP code where you live.

ZIP code

Average cost

31601

$1,389

31602

$1,392

31605

$1,371

31606

$1,376

31698

$1,406

Choosing the right car insurance company in Valdosta, GA

Picking the right car insurance company might seem overwhelming, but it all comes down to a few key points to consider.

  • Cost: Get quotes from multiple car insurance companies so you can feel confident you’re getting the best rate.

  • Coverage: Higher coverage limits means more protection, but it also means higher rates, so see how much coverage you can get while still staying in your budget

  • Service: Check claims satisfaction ratings and reviews to be sure that the company you choose will be there for you when you need them

Policygenius simplifies the process by showing you rates from multiple companies so you can easily compare coverage.

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

Even one speeding ticket on your record can increase your rates, so avoid driving violations and you’ll save on car insurance. But if you already have a bad driving record, it’s all the more important to compare quotes from multiple companies before you buy.

Violation

Auto-Owners Insurance

USAA

GEICO

State Farm

Nationwide

At-fault Accident

$1,127

$1,297

$1,612

$1,380

$2,071

DUI

$1,569

$1,814

$3,187

$1,275

$2,530

Driving with a suspended license

$1,569

$1,719

$1,973

$1,275

$2,530

Driving with an open container

$1,569

$1,335

$1,048

$1,275

$2,530

Driving with expired registration

$851

$1,129

$1,048

$1,275

$1,480

Driving without Lights

$851

$1,129

$1,048

$1,275

$1,480

Failure to show documents

$851

$1,129

$1,048

$1,275

$1,480

Failure to stop at a red light

$851

$1,129

$1,048

$1,275

$1,480

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

A poor credit history can increase how much you pay for car insurance, which is why drivers with bad credit should shop around to find the most affordable rates.

Company

Rates for drivers with bad credit

GEICO

$1,252

Safeway Insurance

$1,530

USAA

$1,628

Nationwide

$1,676

Progressive

$1,907

Ready to shop car insurance?

Start calculator

Buying car insurance in Valdosta, GA

Georgia drivers are required to have car insurance. The minimum coverage required by the state is:

  • $25,000 for property damage liability per accident

  • $25,000 for bodily injury liability per person/$50,000 per accident

This amount of insurance is required no matter how much you drive. Even if you take your car off the road for part of the year, if it’s registered in Georgia, then you need to have car insurance.

How to get cheap car insurance in Valdosta, GA

There are many ways to to get cheap or discounted car insurance in Valdosta, including:

  • Maintain a clean record: Drive carefully and avoid accidents and speeding tickets to keep rates down

  • Compare companies: Get quotes from multiple insurance companies to find the best rates

  • Get discounts: Ask about discounts that might apply to you, like savings for low mileage drivers, safe drivers, good students, and for professional groups like firefighters, teachers, and police officers. 

  • Bundle your policies: Get your insurance policies for your car, home, condo, or boat from the same insurer and you could save on all of them

Frequently asked questions

Who has the cheapest car insurance rates in Valdosta?

According to our data, the cheapest car insurance companies in Valdosta, GA are Auto-Owners Insurance and USAA.

How can I save money on my car insurance in Valdosta?

Driving safely, maintaining a good credit score, and comparison shopping when you buy car insurance are the best ways to save money on car insurance. You should reshop for insurance yearly to make sure you’re still getting the best rates.

Is Georgia a no-fault state?

No, Georgia is not a no-fault state. The insurance company of whichever driver is determined to be at-fault for an accident will pay for the other party’s medical bills and repair costs.

Does Georgia require car insurance?

Yes, Georgia requires car insurance for all registered vehicles. The minimum amounts required are $25,000 for property damage liability per accident, $25,000 for bodily injury liability per person, and $50,000 bodily injury liability per accident.

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.