Best Dublin, Georgia Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
If you need affordable and the best auto insurance in Dublin, Georgia, consider Geico, USAA, and Liberty Mutual, with prices as low as $68 a month. They're known for their safe driving bonus and rate lock feature, which make them a top choice for Dublin safe drivers looking to save on their auto insurance premium.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Oct 16, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsCompany Facts
Full Coverage in Dublin Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
1,731 reviewsCompany Facts
Full Coverage in Dublin Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
1,814 reviewsCompany Facts
Full Coverage in Dublin Georgia
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
For the best auto insurance in Dublin, Georgia, check out Allstate, Travelers, and Erie, where rates start at $68/month. Finding affordable auto insurance can be a daunting task for many drivers in Dublin, Georgia.
This article addresses the key factors influencing auto insurance rates in the area, including demographic considerations, vehicle types, and coverage options.
We’ll explore the common question, “Why is it so hard to find cheap auto insurance?” while providing insights and tips to help you navigate the complexities of insurance providers.
Our Top 10 Company Picks: Best Dublin, Georgia Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Broad Coverage Allstate
#2 13% A++ Discount Options Travelers
#3 25% A+ Competitive Pricing Erie
#4 17% B Local Agents State Farm
#5 20% A+ Flexible Policies Nationwide
#6 25% A Customizable Plans Liberty Mutual
#7 10% A++ Military Benefits USAA
#8 25% A++ Affordable Rates Geico
#9 25% A Claims Service American Family
#10 5% A+ Senior Focus The Hartford
Use this information to make informed decisions and secure the best rates for your needs. Find your cheapest auto insurance quotes by entering your ZIP code above into our free comparison tool.
- Explore top providers for the best Dublin auto insurance rates
- Learn factors that influence auto insurance premiums in Dublin
- Get tips for comparing coverage options for better value
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#1 – Allstate: Top Overall Pick
Pros
- Comprehensive Accident Forgiveness: Allstate offers accident forgiveness to Dublin drivers, preventing premium increases after the first accident.
- Safe Driving Bonus: Dublin residents who drive safely can earn a bonus for every six months of accident-free driving.
- Multiple Discount Opportunities: This helps Dublin drivers save more with discounts available for bundling, safe driving, and more.
Cons
- Higher Base Premiums: Dublin, GA’s standard rates are usually higher than those of other service providers. Our Allstate auto insurance review mentions this.
- Limited Local Agents: Agent locations in rural Georgia may not be as fruitful for Dublin residents who prefer face-to-face interactions.
#2 – Travelers: Best for Customizable Coverage
Pros
- Flexible Coverage Options: Traveler’s add-ons, such as gap coverage, new car replacement, gives Dublin drivers an option to customize their policies with additional detail coverage.
- Discounts for Green Vehicles: A growing choice among Dublin residents, Use of hybrid and electric automobiles earning them discounts from Travelers.
- Great Safe Driver Program: Through Travelers’ IntelliDrive program, Dublin drivers can qualify for discounts if they can be monitored for their driving habits for 90 days.
Cons
- Slow Claims Process: Dublin customers have also said it can take longer to process claims than competitors.
- Higher Cost for Younger Drivers: Young drivers in Dublin may face higher premiums with Travelers, according to a Travelers auto insurance review.
#3 – Erie: Best for Low Pricing
Pros
- Affordable Premiums: Dublin full coverage policy premiums start around $138 per month with Erie.
- Rate Lock Feature: Dublin drivers can benefit from Erie’s Rate Lock, which prevents rate increases unless you make specific policy changes.
- Excellent Customer Service: One of the reasons Erie auto insurance ranks so highly in customer satisfaction is that it is so good at claims handling, as outlined in the Erie auto insurance review.
Cons
- Limited Availability: Dublin residents, however, may find the options available in Erie limited compared to some providers.
- No Online Quotes: Dublin drivers must contact an agent directly to get a quote, as no online quote is available.
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#4 – State Farm: Best for Personalized Service
Pros
- Local Agents in Dublin: State Farm’s agents offer personalized service and in-person trips in Dublin, GA. This is an important aspect highlighted in the State Farm auto insurance review.
- Discounts for Safe Drivers: Dublin drivers who practice safe driving can save money on their State Farm Drive Safe & Save program.
- Wide Coverage Options: Dublin drivers can choose from liability, comprehensive, and collision coverage as well as uninsured motorist.
Cons
- Above-Average Premiums: Dublin, GA, offers less competitively priced rates from State Farm, especially for younger drivers.
- Fewer Discounts for Seniors: Dublin senior drivers might get fewer discount chances than younger drivers.
#5 – Nationwide: Best for Bundling
Pros
- Great Bundling Discounts: Nationwide offers up to 20% in savings on auto & home insurance for Dublin homeowners, and bundles them up to save you even more money.
- Vanishing Deductible: Nationwide’s vanishing deductible feature rewards Dublin drivers with a reduced deductible for each year of safe driving.
- SmartRide Program: Dublin drivers can save by getting usage-based discounts through SmartRide if they can show they’re safe drivers with Nationwide.
Cons
- Higher Costs for Young Drivers: Premiums for younger drivers in Dublin are generally higher than average with Nationwide.
- Fewer Local Agents: One important aspect in our Nationwide auto insurance review is that some Dublin drivers have limited access to local Nationwide agents.
#6 – Liberty Mutual: Best for High-Risk Drivers
Pros
- High-Risk Driver Coverage: Dublin drivers with DUIs or accidents can get competitive high-risk car insurance rates from Liberty Mutual.
- Comprehensive Discounts: Dublin drivers can access discounts for vehicle safety features, multi-policy bundling, and good student discounts.
- 12-Month Rate Guarantee: As mentioned in our Liberty Mutual auto insurance review, guaranteeing your rate for an entire year is a great feature the Dublin community can use.
Cons
- Expensive for Teens: Liberty Mutual’s rates for teen drivers in Dublin are some of the highest in the state.
- Mixed Claims Experience: Some Dublin drivers have reported delays in claims processing with Liberty Mutual.
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#7 – USAA: Best for Military Families
Pros
- Exclusive to Military Families: USAA offers specialized rates for Dublin residents who are active-duty military or veterans and their families.
- Highly Rated Customer Service: USAA consistently receives high marks for customer service and claims satisfaction from military families in Dublin.
- Affordable Rates: USAA’s premiums are lower than average for military personnel and their families in Dublin, as highlighted in this USAA auto insurance review.
Cons
- Restricted Availability: USAA is only available to those with military affiliations, limiting access for non-military residents of Dublin.
- Limited Local Branches: USAA operates primarily online or by phone, with few local branches for in-person service in Dublin.
#8 – Geico: Best for Competitive Rates
Pros
- Unbeatable Rates in Dublin: Dublin drivers who want to keep their premiums low while still insuring all the necessary coverage can look to Geico, who have some of the lowest full coverage premiums at $135/month.
- Wide Range of Discounts: Dublin drivers can take advantage of discounts for good driving habits, multiple vehicles, and safety features.
- Strong Financial Rating: This Geico auto insurance review states that Dublin drivers can be sure that claims will be paid promptly and reliably, as Geico’s A++ rating from A.M. Best.
Cons
- Limited Local Agent Presence: Geico is a website based company, so Dublin residents may find it difficult to receive personal attention from a representative over the phone or in person.
- Fewer Customization Options: Geico provides fewer add-on options and policy customization for drivers who want highly customized coverage.
#9 – American Family: Best for Safe Drivers
Pros
- Excellent Safe Driver Discounts: American Family rewards Dublin drivers who keep their driving records clean with huge discounts.
- Teen Safe Driver Program: American Family helps Dublin teen drivers be better drivers by providing American Family’s safe driving program that includes responsible habits.
- Customizable Policies: Dublin drivers get to customize American Family’s policies with additional options like Roadside Assistance and Rental Car.
Cons
- Higher Rates for High-Risk Drivers: Dublin drivers with accidents or DUIs may find higher premiums with American Family compared to other insurers.
- Limited Availability: American Family’s services are not as widely available in all parts of Georgia, which is a key point highlighted in this American Family auto insurance review.
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#10 – The Hartford: Best for AARP Members
Pros
- AARP Discounts: One of the nice things about The Hartford auto insurance review is that they offer special discounts for AARP members, which makes them a great choice for older drivers living in Dublin.
- Lifetime Renewability: Drivers in Dublin with The Hartford can take advantage of its lifetime policy renewability and coverage continues for as long as premiums are paid.
- Accident Forgiveness: The Hartford provides accident forgiveness, allowing one accident without raising premiums for Dublin drivers.
Cons
- Age Requirements: Those in Dublin who are younger don’t receive AARP discounts from The Hartford.
- Higher Premiums for Non-AARP Members: Dublin drivers without AARP memberships may face higher costs with The Hartford.
Minimum Auto Insurance in Dublin, Georgia
If you’re deciding between minimum and full coverage auto insurance in Dublin, GA, there are two things to consider: your finances and the value of your vehicle.
Deciding between minimum and full coverage auto insurance in Dublin, GA, depends on your vehicle's value and financial risk tolerance.Michelle Robbins LICENSED INSURANCE AGENT
When it comes to liability coverage, $25,000 in bodily injury liability, up to $50,000 per accident, plus $25,000 in property damage liability, is required by the state. If you have an older or valueless car, choosing minimum coverage might be a good idea, especially if the price of full coverage doesn’t outweigh any potential benefits.
Dublin, Georgia Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$103 $168
$85 $147
$80 $138
$78 $135
$105 $173
$92 $155
$88 $145
$95 $160
$93 $158
$68 $125
Newer or costlier cars should always be fully covered since complete protection against theft, vandalism, non collision damages and liability in case of major accidents is crucial. To get it right, you must ultimately assess personal risk tolerance and budget.
Budget-Friendly Car Insurance in Dublin, GA by Demographics
Older, experienced drivers usually pay less for auto insurance than drivers under 25 do. Gender may also affect insurance rates, with younger male drivers having to pay higher premiums than female ones.
Dublin, Georgia Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $564 | $726 | $273 | $298 | $244 | $244 | $233 | $233 |
| $389 | $464 | $171 | $191 | $135 | $133 | $130 | $130 |
| $1,855 | $2,072 | $468 | $499 | $442 | $481 | $362 | $411 |
| $673 | $868 | $274 | $298 | $228 | $236 | $223 | $246 |
 | $658 | $730 | $247 | $259 | $215 | $198 | $184 | $193 |
| $411 | $541 | $174 | $188 | $159 | $159 | $142 | $142 |
| $507 | $601 | $177 | $196 | $142 | $142 | $132 | $132 |
Married policyholders are eligible for discounts because they are known for lower risk. Knowing these factors will help Dublin residents get cheaper coverage. Variables such as these should be considered if you are looking for the best auto insurance for drivers under 25.
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Dublin, GA Auto Insurance Costs by Driving History
Full coverage auto insurance rates in Dublin, Georgia, depending on a driver’s history. In the table below, you can see how it compares to the spread of monthly rates from leading insurance companies for drivers with no history of accidents, drivers who have had accidents, and drivers with DUIs and traffic tickets.
Dublin, Georgia Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $291 | $306 | $448 | $364 |
| $146 | $164 | $184 | $378 |
| $626 | $833 | $854 | $982 |
| $294 | $356 | $344 | $529 |
| $264 | $307 | $461 | $310 |
| $219 | $240 | $260 | $240 |
| $194 | $216 | $246 | $358 |
With a clean record, drivers can find the cheapest rates at $146 per month from Geico. Liberty Mutual has the highest rates for all driving records, especially after a DUI at $982.
The data shows Progressive’s rates increased from $264 to $461 monthly after accidents and traffic violations. These insights benefit Dublin, Georgia, vehicle owners looking for the best car insurance with the proper coverage due to their driving record.
Post-DUI Car Insurance Rates in Dublin, GA
A DUI conviction changes everything. It raises the cost of full coverage auto insurance. Below is a table showing the monthly rates from different insurance companies for those who have made that mistake.
Dublin, Georgia DUI Full Coverage Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $364 |
| $378 |
| $982 |
| $529 |
| $310 |
| $240 |
| $358 |
For those looking for the best auto insurance after a DUI in Georgia, State Farm and USAA offer competitive rates, with State Farm at $240 and USAA at $358 per month.
Affordable Car Insurance in Dublin, GA by Credit History
The cost of full coverage auto insurance hinges on credit scores. Below, you will find a table laying out the monthly rates from different insurance companies for drivers with good, fair, and poor credit.
Dublin, Georgia Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $283 | $317 | $24 |
| $187 | $192 | $16 |
| $567 | $723 | $47 |
| $323 | $367 | $27 |
| $300 | $326 | $25 |
| $168 | $212 | $14 |
| $198 | $232 | $17 |
Companies like State Farm and Geico offer the most affordable rates for drivers across all credit categories, making them the best companies for credit-based auto insurance.
Other Factors That Impact Auto Insurance Rates in Dublin, GA
There are a lot of reasons why auto insurance rates in Dublin, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dublin, Georgia. Many local factors may affect your Dublin auto insurance rates.
Dublin Commute Time & Distance
In cities where drivers linger longer on the road, auto insurance costs climb. In Dublin, Georgia, the average commute stretches to twenty minutes. The miles you drive each year can change what you pay for full coverage auto insurance. Here is a table with the monthly rates from various companies for those who drive 6,000 miles and for those who drive 12,000 miles.
Dublin, Georgia Full Coverage Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $344 | $360 |
| $214 | $222 |
| $824 | $824 |
| $381 | $381 |
| $335 | $335 |
| $240 | $240 |
| $242 | $265 |
It will aid residents in finding the right choice for their way of driving. In Dublin, the folks should pay attention. Insurance rates change with the miles you drive. Geico has good rates—$214 for 6,000 miles and $222 for 12,000. State Farm holds steady at $240 for both distances.
For those who drive more, it looks like a solid choice. Liberty Mutual keeps its rate at $824, no matter how far you drive. This shows why it’s wise to compare coverage, tailored to how you drive.
Read More: Most Expensive Commutes in America
Dublin Traffic
What is Dublin, Georgia’s standing in terms of traffic congestion? According to Inrix, Dublin ranks as the 20th most congested city globally.
Using the report card below, this auto insurance report card will evaluate the affordability, coverage, customer satisfaction, and claims processing of auto insurance in the area.
Dublin, Georgia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Process | A | Fast and efficient claims processing from major insurers |
| Coverage Options | A- | Wide range of plans with customizable features |
| Affordability | B+ | Slightly above average premiums, but competitive options |
| Customer Satisfaction | B | Generally positive but with occasional delays |
Dublin, Georgia Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Claim Size | $4,000 |
| Percentage of Uninsured Drivers | 11% |
| Total Accidents Per Year | 1,200 |
| Total Claims Per Year | 900 |
| Traffic Density | Moderate |
| Vehicle Theft Rate | 2.1 per 1,000 vehicles |
| Weather-Related Incidents | 20% of accidents |
The information shows that many car accidents happen in Dublin every year. Some cars get stolen, and many people don’t have car insurance. Knowing these facts can help people in Dublin decide what car insurance they need and understand the risks of driving there.
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Compare Dublin, GA Auto Insurance Quotes and Discounts
If you live in Dublin, GA, you can find increased coverage for a lower price by utilizing insurance company discounts. This top-rated provider discount table helps you get the best coverage while saving money.
Auto Insurance Discounts From the Top Providers Dublin, Georgia
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Theft, New Car, Good Student |
| Safe Driver, Multi-Policy, Good Student, Loyalty, Defensive Driving |
| Safe Driver, Multi-Policy, Paid-in-Full, Young Driver, Anti-Theft |
| Multi-Vehicle, Good Driver, Military, Good Student, Anti-Theft |
| Multi-Policy, Homeowner, Military, Anti-Theft, Good Student |
| Accident-Free, Multi-Policy, Defensive Driving, Anti-Theft |
| Good Driver, Multi-Policy, Good Student, Defensive Driving |
| AARP Member, Defensive Driving, Multi-Policy, Vehicle Safety |
| Multi-Policy, Safe Driver, Homeowner, Hybrid Vehicle, Early Quote |
| Military, Safe Driver, Multi-Policy, Vehicle Storage, Defensive Driving |
Ensure you note any discounts for which you may qualify. These can bring actual savings, particularly for those who drive safely. By using these discounts, you can get the best auto insurance discounts for good drivers and, therefore, both protection and budget.
Frequently Asked Questions
What is the average cost of car insurance in Georgia?
The average cost of car insurance in Georgia is approximately $130 per month, but rates can vary. To find the best rates, consider comparing auto insurance quotes in Dublin, GA for more localized pricing.
Why is Georgia car insurance so expensive?
Georgia car insurance is expensive due to factors like high traffic density, accident rates, and weather-related risks. To find cheaper rates, it’s essential to shop around for car insurance quotes in Dublin, GA.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
What auto insurance is mandatory in Georgia?
Georgia minimum auto insurance requirements require all drivers to have liability insurance. The state minimum coverage includes $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage. Comparing auto insurance in Dublin can help find policies that meet these requirements.
What is full coverage in Georgia?
Full coverage in Georgia typically includes liability, collision, and comprehensive insurance. It protects against accidents, theft, and non-collision damage. You can compare auto insurance quotes in Dublin, GA to find affordable full coverage options.
Can you insure a car without a license in Georgia?
While it can be difficult, some insurers may allow you to get auto insurance in Dublin even if you don’t have a license. It’s best to speak directly with car insurance companies in Dublin, GA to explore your options. For more information, read our article titled “Can you get auto insurance without a license?”
Who has the lowest cost auto insurance?
Geico, USAA, and State Farm are often among the cheapest car insurance companies in Dublin, GA. Comparing multiple car insurance quotes in Dublin, GA will help you find the lowest rates.
How much is liability car insurance in Georgia?
Liability-only car insurance in Georgia costs around $58 per month on average. To find the best rates, search for auto insurance quotes in Dublin, GA.
What happens if you cancel your car insurance in Georgia?
If you cancel your car insurance in Georgia, you must surrender your vehicle registration. Otherwise, you may face fines and penalties. Make sure to compare car insurance quotes in Dublin, GA to avoid a lapse in coverage.
Does Georgia require proof of insurance?
Yes, Georgia requires drivers to show proof of insurance at all times. When searching for auto insurance in Dublin, make sure your policy includes proper documentation. (Learn More: How to Get Instant Proof of Your Auto Insurance Policy Online)
Do you need insurance before buying a car in Georgia?
Yes, you need to have an auto insurance in Dublin policy in place before you can legally drive your newly purchased vehicle. It’s important to get auto insurance quotes in Dublin, GA before making your purchase to ensure coverage.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.