Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Tom, GA
We monitor insurance prices, helping the average driver in Tom save up to 33.4% on car insurance.
The Cheapest Minimum Coverage in Tom
The chart below shows the cheapest car insurance company in Tom 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.
| Tom Insurer | Monthly Cost |
|---|---|
| Travelers | $76 |
| Farm Bureau | $79 |
| State Farm | $87 |
| Progressive | $94 |
Savings for Every Kind of Tom Driver
Based on our extensive insurance data, we know the average Tom 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 Tom residents are paying out over $1,751 extra every year for auto insurance in Tom. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Tom, GA Savings / Yr. |
|---|---|
$364 |
|
$775 |
|
$535 |
|
$732 |
|
$2,132 |
|
$176 |
|
$752 |
Tom Car Insurance vs. Georgia
People living in Tom pay an average of 1.12% less than the typical driver in the state. The average driver in Tom can expect to pay about $1,165 per year, or $1,751 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Tom for most people.
Car Insurance Prices by Tom Neighborhood
Insurance Prices
Where is insurance cheapest within Tom?
The map shows insurance prices in and around Tom, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $73 per year within the city boundaries, with insurance premiums ranging from a high of $1,784 to a low of $1,711. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Tom.Pick the Best Car Insurance Company for You in Tom
The best car insurance provider for most drivers in Tom
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $364 over the average Tom car insurance company.
The best car insurance provider for Tom 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 $775 over the competition.
The best car insurance company for Tom drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $535 better than other car insurance companies.
The best auto insurance for Tom drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $732 less each year.
The least expensive car insurance company for new and young drivers in Tom
In Tom, Auto-Owners Insurance costs young drivers $2,132 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Tom
Farm Bureau gave the largest car insurance discounts to married couples, averaging $176 saved each year compared to an average Tom couple's premiums.
The cheapest car insurance in Tom for drivers with bad credit
The best Tom car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Tom, which was better than other insurers.
The cheapest large national provider in Tom
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Tom 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 Tom, 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 Tom
What Influences the Cost of Car Insurance in Tom?
On average, car insurance in Tom 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:
- 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 Tom are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Tom is a fairly densely populated area in the state. The city’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 Tom 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
- Kite: Insurance costs 1.66% less
- Blundale: Insurance costs 0.86% more
- Meeks: Insurance costs 1.14% less
- Dellwood: Insurance costs 1.14% more
- Swainsboro: Insurance costs 0.51% more
- Modoc: Insurance costs 5.03% less
- Bartow: Insurance costs 1.20% less
- Wadley: Insurance costs 0.86% less
- Summertown: Insurance costs 1.83% less
- Pringle: Insurance costs 2.97% less
Cities with Similar Populations
- Wellman: Insurance costs 4.40% less
- Chestnut Ridge: Insurance costs 34.04% less
- Chippewa Bay: Insurance costs 19.47% more
- Clayroot: Insurance costs 27.76% less
- Claysville: Insurance costs 21.99% more
- Warrens Corners: Insurance costs 29.87% more
- Watts Bar Dam: Insurance costs 23.93% less
- Wayland: Insurance costs 36.44% less
- Welch: Insurance costs 1.77% less
- Chesterfield: Insurance costs 1.09% more