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Get Cheap Car Insurance in Emanuel County, GA

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

 

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The Cheapest Minimum Coverage in Emanuel County

The chart below shows the cheapest car insurance company in Emanuel 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.

 
Emanuel County Insurer Monthly Cost
Travelers $76
Farm Bureau $78
State Farm $86
Progressive $93

Savings for Every Kind of Emanuel County Driver

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

Based on our extensive insurance data, we know the average Emanuel 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 $360 per year by choosing the right vehicle insurance company. Some Emanuel County residents are paying out over $1,735 extra every year for auto insurance in Emanuel County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Emanuel County, GA Savings / Yr.
Drivers with good records
$360
Drivers with accidents
$768
Drivers with speeding tickets
$530
Drivers with a DUI conviction
$725
Young drivers
$2,112
Married drivers
$174
Drivers with bad credit
$745

Emanuel County Car Insurance vs. Georgia

People living in Emanuel County pay an average of 2.06% less than the typical driver in the state. The average driver in Emanuel County can expect to pay about $1,154 per year, or $1,735 for full coverage.

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

Car Insurance Prices by Emanuel County Neighborhood

Emanuel 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 Emanuel County?

The map shows insurance prices in and around Emanuel County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $350 per year within the county boundaries, with insurance premiums ranging from a high of $1,989 to a low of $1,639. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Emanuel County.

Pick the Best Car Insurance Company for You in Emanuel 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 Emanuel County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Emanuel County

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $360 over the average Emanuel County car insurance company.

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We use the average good driver, paying $115 per month, as our baseline for pricing in Emanuel 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 Emanuel County drivers with accidents on their records

In Emanuel County getting into an accident will raise premiums an average 34% for a yearly cost of $2,620. That's $885 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 $768 over the competition.

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

>Travelers gave the average person with a speeding ticket the most savings, averaging $530 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 Emanuel County, tickets raise premiums on new quotes about $481. If you have a speeding ticket, we recommend Geico, Travelers, and Farm Bureau for savings that beat the average insurance cost of $2,215 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,034 per year in auto insurance premiums, which was $1,300 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 $725 less each year.

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

In Emanuel County, Auto-Owners Insurance costs young drivers $2,112 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 Emanuel County. With an average cost of $6,319 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 Emanuel County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $143. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Emanuel County.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $174 saved each year compared to an average Emanuel County couple's premiums.

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

People with poor credit saved an average of $745 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $744 every year. Premiums for people with poor credit were about $2,479 in Emanuel 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 Emanuel County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Emanuel 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 Emanuel County.

Nationwide was the best company for customer service in Emanuel 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 Emanuel 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 Emanuel 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 Emanuel County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 41% of Emanuel 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 Emanuel 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 Emanuel 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Emanuel County

What Influences the Cost of Car Insurance in Emanuel County?

On average, car insurance in Emanuel County is actually less expensive than the rest of the state. These low 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 Emanuel County 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 Emanuel County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Emanuel County is one of the most densely populated areas in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Emanuel County is $96 per month for minimum coverage and $145 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 Emanuel County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Emanuel 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.