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Get Cheap Car Insurance in DeKalb County, GA

We monitor insurance prices, helping the average driver in DeKalb County save up to 33.4% on car insurance.

 

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The Cheapest Minimum Coverage in DeKalb County

The chart below shows the cheapest car insurance company in DeKalb County 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.

 
DeKalb County Insurer Monthly Cost
Travelers $95
Farm Bureau $99
State Farm $108
Progressive $117

Savings for Every Kind of DeKalb County Driver

The table shows how much the average auto insurance customer in DeKalb County might save by following our recommendations.

Based on our extensive insurance data, we know the average DeKalb County 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 $453 per year by choosing the right vehicle insurance company. Some DeKalb County residents are paying out over $2,182 extra every year for auto insurance in DeKalb County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
DeKalb County, GA Savings / Yr.
Drivers with good records
$453
Drivers with accidents
$966
Drivers with speeding tickets
$666
Drivers with a DUI conviction
$912
Young drivers
$2,656
Married drivers
$219
Drivers with bad credit
$937

DeKalb County Car Insurance vs. Georgia

People living in DeKalb County pay an average of 23.18% more than the typical driver in the state. The average driver in DeKalb County can expect to pay about $1,451 per year, or $2,182 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in DeKalb County for most people.

Car Insurance Prices by DeKalb County Neighborhood

DeKalb County, GA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within DeKalb County?

The map shows insurance prices in and around DeKalb County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $778 per year within the county boundaries, with insurance premiums ranging from a high of $2,521 to a low of $1,743. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of DeKalb County.

Pick the Best Car Insurance Company for You in DeKalb County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the DeKalb County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in DeKalb County

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $453 over the average DeKalb County car insurance company.

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We use the average good driver, paying $144 per month, as our baseline for pricing in DeKalb County. Travelers, Auto-Owners Insurance, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for DeKalb County drivers with accidents on their records

In DeKalb County getting into an accident will raise premiums an average 34% for a yearly cost of $3,295. That's $1,114 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Farm Bureau, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $966 over the competition.

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The best car insurance company for DeKalb County drivers with speeding tickets

>Travelers gave the average person with a speeding ticket the most savings, averaging $666 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In DeKalb County, tickets raise premiums on new quotes about $605. If you have a speeding ticket, we recommend Geico, Travelers, and Farm Bureau for savings that beat the average insurance cost of $2,786 per year.

The best auto insurance for DeKalb County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,816 per year in auto insurance premiums, which was $1,635 more than a driver with no major issues. State Farm, Travelers, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $912 less each year.

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The least expensive car insurance company for new and young drivers in DeKalb County

In DeKalb County, Auto-Owners Insurance costs young drivers $2,656 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in DeKalb County. With an average cost of $7,948 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Auto-Owners Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in DeKalb County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $180. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in DeKalb County.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $219 saved each year compared to an average DeKalb County couple's premiums.

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The cheapest car insurance in DeKalb County for drivers with bad credit

People with poor credit saved an average of $937 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $936 every year. Premiums for people with poor credit were about $3,118 in DeKalb County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farm Bureau.

The best DeKalb County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In DeKalb County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in DeKalb County.

Nationwide was the best company for customer service in DeKalb County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in DeKalb County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in DeKalb County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in DeKalb County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 42% of DeKalb County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average DeKalb County driver can expect to pay about $117 per month.

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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 DeKalb County, 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.
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Auto Insurance Prices in and Around DeKalb County

What Influences the Cost of Car Insurance in DeKalb County?

On average, car insurance in DeKalb County 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 county are influenced by the following factors:

  • The average commute time in DeKalb County is 39 minutes, which is far more than 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 DeKalb County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • DeKalb County is one of the least populated areas in the state. The county’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 DeKalb County is $121 per month for minimum coverage and $182 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 Counties

Counties with Similar Populations

* Who is the average DeKalb County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central DeKalb County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.