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Get Cheap Car Insurance in Habersham, GA

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

 

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The Cheapest Minimum Coverage in Habersham

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

 
Habersham Insurer Monthly Cost
Travelers $74
Farm Bureau $77
State Farm $84
Progressive $91

Savings for Every Kind of Habersham Driver

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

Based on our extensive insurance data, we know the average Habersham 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 $353 per year by choosing the right vehicle insurance company. Some Habersham residents are paying out over $1,701 extra every year for auto insurance in Habersham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Habersham, GA Savings / Yr.
Drivers with good records
$353
Drivers with accidents
$753
Drivers with speeding tickets
$520
Drivers with a DUI conviction
$711
Young drivers
$2,071
Married drivers
$171
Drivers with bad credit
$731

Habersham Car Insurance vs. Georgia

People living in Habersham pay an average of 3.95% less than the typical driver in the state. The average driver in Habersham can expect to pay about $1,131 per year, or $1,701 for full coverage.

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

Car Insurance Prices by Habersham Neighborhood

Habersham, 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 Habersham?

The map shows insurance prices in and around Habersham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,701 to a low of $1,701. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Habersham.

Pick the Best Car Insurance Company for You in Habersham

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 Habersham insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Habersham

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $353 over the average Habersham car insurance company.

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We use the average good driver, paying $112 per month, as our baseline for pricing in Habersham. 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 Habersham drivers with accidents on their records

In Habersham getting into an accident will raise premiums an average 34% for a yearly cost of $2,569. That's $868 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 $753 over the competition.

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The best car insurance company for Habersham drivers with speeding tickets

>Travelers gave the average person with a speeding ticket the most savings, averaging $520 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 Habersham, tickets raise premiums on new quotes about $472. If you have a speeding ticket, we recommend Geico, Travelers, and Farm Bureau for savings that beat the average insurance cost of $2,173 per year.

The best auto insurance for Habersham drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,976 per year in auto insurance premiums, which was $1,275 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 $711 less each year.

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

In Habersham, Auto-Owners Insurance costs young drivers $2,071 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 Habersham. With an average cost of $6,197 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 Habersham

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $140. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Habersham.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $171 saved each year compared to an average Habersham couple's premiums.

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The cheapest car insurance in Habersham for drivers with bad credit

People with poor credit saved an average of $731 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $730 every year. Premiums for people with poor credit were about $2,431 in Habersham. 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 Habersham car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Habersham, 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 Habersham.

Nationwide was the best company for customer service in Habersham 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 Habersham, 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 Habersham. 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 Habersham

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Habersham residents who are renting, and don't plan to be in the city 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 Habersham 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 Habersham, 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 Habersham

What Influences the Cost of Car Insurance in Habersham?

On average, car insurance in Habersham 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 city are influenced by the following factors:

  • The average commute time in Habersham is 26 minutes, which is far less 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 Habersham 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.
  • Habersham is one of the least populated areas in the state. The city’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 Habersham is $94 per month for minimum coverage and $142 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 Cities

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* Who is the average Habersham driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Habersham 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.