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Get Cheap Car Insurance in Naomi, GA

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

 

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The Cheapest Minimum Coverage in Naomi

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

 
Naomi Insurer Monthly Cost
Travelers $76
Farm Bureau $79
State Farm $87
Progressive $94

Savings for Every Kind of Naomi Driver

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

Based on our extensive insurance data, we know the average Naomi 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 $364 per year by choosing the right vehicle insurance company. Some Naomi residents are paying out over $1,753 extra every year for auto insurance in Naomi. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Naomi Car Insurance vs. Georgia

People living in Naomi pay an average of 1.01% less than the typical driver in the state. The average driver in Naomi can expect to pay about $1,166 per year, or $1,753 for full coverage.

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

Car Insurance Prices by Naomi Neighborhood

Naomi, GA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Naomi?

The map shows insurance prices in and around Naomi, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $47 per year within the city boundaries, with insurance premiums ranging from a high of $1,761 to a low of $1,714. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Naomi.

Pick the Best Car Insurance Company for You in Naomi

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

The best car insurance provider for most drivers in Naomi

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $364 over the average Naomi car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in Naomi. 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 Naomi drivers with accidents on their records

In Naomi getting into an accident will raise premiums an average 34% for a yearly cost of $2,648. That's $895 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 $776 over the competition.

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The best car insurance company for Naomi drivers with speeding tickets

>Travelers gave the average person with a speeding ticket the most savings, averaging $536 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 Naomi, tickets raise premiums on new quotes about $486. If you have a speeding ticket, we recommend Geico, Travelers, and Farm Bureau for savings that beat the average insurance cost of $2,239 per year.

The best auto insurance for Naomi drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,067 per year in auto insurance premiums, which was $1,314 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 $732 less each year.

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

In Naomi, Auto-Owners Insurance costs young drivers $2,134 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 Naomi. With an average cost of $6,387 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 Naomi

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $145. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Naomi.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $176 saved each year compared to an average Naomi couple's premiums.

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The cheapest car insurance in Naomi for drivers with bad credit

People with poor credit saved an average of $753 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $752 every year. Premiums for people with poor credit were about $2,505 in Naomi. 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 Naomi car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 13% of Naomi 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 Naomi 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 Naomi, 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 Naomi

What Influences the Cost of Car Insurance in Naomi?

On average, car insurance in Naomi 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 Naomi is 37 minutes, which is a little 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 Naomi are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Naomi 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 Naomi is $97 per month for minimum coverage and $146 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 Naomi driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Naomi 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.