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Get Cheap Car Insurance in 31816, GA
We monitor insurance prices, helping the average driver in 31816 save up to 33.4% on car insurance.
The Cheapest Minimum Coverage in 31816
The chart below shows the cheapest car insurance company in 31816 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Farm Bureau, State Farm, and Progressive.
| 31816 Insurer | Monthly Cost |
|---|---|
| Travelers | $78 |
| Farm Bureau | $81 |
| State Farm | $89 |
| Progressive | $96 |
Savings for Every Kind of 31816 Driver
Based on our extensive insurance data, we know the average 31816 driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $372 per year by choosing the right vehicle insurance company. Some 31816 residents are paying out over $1,789 extra every year for auto insurance in 31816. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
31816, GA Savings / Yr. |
|---|---|
$372 |
|
$792 |
|
$546 |
|
$747 |
|
$2,178 |
|
$180 |
|
$769 |
31816 Car Insurance vs. Georgia
People living in 31816 pay an average of 1.01% more than the typical driver in the state. The average driver in 31816 can expect to pay about $1,190 per year, or $1,789 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in 31816 for most people.
Car Insurance Prices by 31816 Neighborhood
Insurance Prices
Where is insurance cheapest within 31816?
The map shows insurance prices in and around 31816, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $236 per year within the zip boundaries, with insurance premiums ranging from a high of $1,957 to a low of $1,721. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of 31816.Pick the Best Car Insurance Company for You in 31816
The best car insurance provider for most drivers in 31816
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $372 over the average 31816 car insurance company.
The best car insurance provider for 31816 drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $792 over the competition.
The best car insurance company for 31816 drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $546 better than other car insurance companies.
The best auto insurance for 31816 drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $747 less each year.
The least expensive car insurance company for new and young drivers in 31816
In 31816, Auto-Owners Insurance costs young drivers $2,178 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 31816
Farm Bureau gave the largest car insurance discounts to married couples, averaging $180 saved each year compared to an average 31816 couple's premiums.
The cheapest car insurance in 31816 for drivers with bad credit
The best 31816 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 31816
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 31816 driver can expect to pay about $117 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 31816, USAA has the best prices for married couples, drivers with bad credit, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, and young drivers.Auto Insurance Prices in and Around 31816
What Influences the Cost of Car Insurance in 31816?
On average, car insurance in 31816 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 31816 is 33 minutes, which is about the national average for a driver in the state.
- Georgia state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 31816 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- 31816 has an average population density in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 31816 is $99 per month for minimum coverage and $149 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 31830: Insurance costs 3.47% less
- 31826: Insurance costs 1.90% less
- 31836: Insurance costs 0.73% less
- 30293: Insurance costs 2.01% less
- 31823: Insurance costs 5.31% less
- 31822: Insurance costs 4.36% less
- 30286: Insurance costs 2.57% less
- 31811: Insurance costs 4.42% less
- 30285: Insurance costs 4.25% less
- 31097: Insurance costs 5.20% less
Zip Codes with Similar Populations
- 27341: Insurance costs 32.03% less
- 75755: Insurance costs 7.83% less
- 75640: Insurance costs 6.99% less
- 75491: Insurance costs 7.83% less
- 32130: Insurance costs 36.11% more
- 31822: Insurance costs 4.36% less
- 29335: Insurance costs 9.33% less
- 28901: Insurance costs 31.64% less
- 28634: Insurance costs 32.08% less
- 28468: Insurance costs 31.86% less