Best Milledgeville, Georgia Auto Insurance in 2024 (Check Out the Top 10 Companies)
The best Milledgeville, Georgia auto insurance companies are State Farm, Erie, and Geico, offering rates starting at $61/month. These companies provide competitive rates and comprehensive coverage options. Compare quotes from multiple companies to find the ideal auto insurance for your needs.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 30, 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.
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 30, 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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17,760 reviewsCompany Facts
Full Coverage in Milledgeville
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,814 reviewsCompany Facts
Full Coverage in Milledgeville
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
19,116 reviewsCompany Facts
Full Coverage in Milledgeville
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsState Farm, Erie, and Geico provide the best Milledgeville, Georgia auto insurance, with starting rates at $61 per month. With Georgia’s mandatory 25/50/25 coverage requirements, these providers deliver a balance of affordability and comprehensive protection.
Factors like credit score, commute time, and local traffic conditions can impact your rates, making it essential to compare quotes from multiple companies.
Our Top 10 Company Picks: Best Milledgeville, Georgia Auto Insurance
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | B | Customer Satisfaction | State Farm |
 | #2 | 10% | A+ | Competitive Rates | Erie |
 | #3 | 25% | A++ | Affordable Premiums | Geico |
 | #4 | 12% | A+ | Customizable Coverage | Progressive |
 | #5 | 10% | A++ | Military Focus | USAA |
 | #6 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #7 | 25% | A | Personalized Policies | Liberty Mutual |
 | #8 | 20% | A+ | Discount Options | Nationwide |
 | #9 | 8% | A++ | Hybrid Friendly | Travelers |
 | #10 | 25% | A+ | Senior Benefits | The Hartford |
For Milledgeville drivers, these top providers not only offer competitive pricing but also customizable coverage options to fit specific needs, whether you’re seeking full coverage or the minimum requirements. Finding cheap auto insurance in Milledgeville might seem daunting, but all of the information you need is right here.
Before you buy Milledgeville, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above for free quotes.
- State Farm is the top pick for affordable, customizable Milledgeville auto insurance
- Compare quotes to find the best Milledgeville, Georgia auto insurance for your needs
- Local factors like traffic and credit can affect Milledgeville auto insurance rates
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#1 – State Farm: Top Overall Pick
Pros
- Top-Ranked Provider: Consistently rated as one of the best Milledgeville, Georgia auto insurance companies, ensuring reliability and comprehensive coverage.
- Extensive Network: State Farm’s strong option is highlighted in our State Farm auto insurance review by its vast network of agents and offices nationwide.
- Substantial Discounts: Offers a 20% multi-vehicle discount and other savings, contributing to their reputation for competitive rates.
Cons
- Higher Rates for Some: Some providers may have higher rates than others, affecting those seeking the most affordable coverage.
- Limited Digital Tools: Digital tools and app features are less advanced than those of competitors, which can be a drawback for managing your policy.
#2 – Erie: Best for Competitive Rates
Pros
- Competitive Rates: Offers some of the most competitive rates, including a 10% discount for insuring multiple vehicles.
- Comprehensive Coverage: Provides many coverage options, strengthening its reputation as a leading auto insurance provider.
- Customer Satisfaction: High customer satisfaction and an A+ rating from A.M. Best make Erie a top pick for reliable auto insurance.
Cons
- Regional Availability: Limited availability in certain states may restrict options for those looking for the best auto insurance. Our complete Erie auto insurance review goes over this in more detail.
- Complex Policy Terms: Some customers find policy terms complex, which can complicate understanding and obtaining the best Milledgeville, Georgia auto insurance.
#3 – Geico: Best for Affordable Premiums
Pros
- Affordable Premiums: With some of the lowest premiums and a 25% multi-vehicle discount, Geico stands out for those seeking cost-effective auto insurance in Milledgeville.
- User-Friendly Digital Experience: Geico is highly praised for its intuitive online tools and mobile app, making it a top choice for convenient auto insurance management.
- Quick Quote Process: As outlined in our Geico auto insurance review, Geico’s fast and straightforward quote process makes it a leading option for easy and efficient auto insurance coverage.
Cons
- Limited Local Presence: Fewer local agents and offices may impact the personalized service aspect of the best Milledgeville, Georgia auto insurance.
- Basic Coverage Options: Geico may offer fewer extensive coverage options compared to other providers, which could limit the benefits for some users.
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#4 – Progressive: Best for Customizable Coverage
Pros
- Customizable Coverage: Offers various options to tailor your coverage, including the Snapshot program, making it a strong choice for flexible auto insurance.
- Snapshot Program: Provides extra discounts based on driving habits, adding value to your insurance experience.
- Good Customer Service: Progressive has positive reviews for customer service and claims handling, Making it a reliable choice for auto insurance.
Cons
- Higher Rates for Poor Credit: Premiums can be significantly higher for drivers with poor credit, potentially affecting access to the best Milledgeville, Georgia auto insurance.
- Complex Pricing Structure: As we discussed in our Progressive auto insurance review, the complex pricing structure can make it challenging to predict costs.
#5 – USAA: Best for Military Focus
Pros
- Best for Military Families: Specialized benefits for military members and their families, with a 10% multi-vehicle discount. Read more through our USAA auto insurance review.
- Excellent Rates: Provides very competitive rates, especially for those with good credit, supported by an A++ rating from A.M. Best.
- Top Customer Satisfaction: Consistently high ratings for customer satisfaction and claims service make USAA a leading provider of the best Milledgeville, Georgia auto insurance.
Cons
- Limited Eligibility: Available only to military members, veterans, and their families, restricting access to others.
- Fewer Local Agents: A limited number of local agents compared to larger insurers can impact personalized service.
#6 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Allstate’s extensive range of coverage options, including a 25% multi-vehicle discount, makes it one of the best Milledgeville, Georgia auto insurance providers.
- Local Agents: As stated in our Allstate auto insurance review, an extensive network of local agents provides personalized service, enhancing Allstate’s reputation.
- Strong Discounts: Various discounts, including a 25% multi-vehicle discount, make Allstate a competitive option for the best auto insurance.
Cons
- Average Rates: Premiums are average and may not be the lowest, potentially affecting Allstate’s position as the most cost-effective auto insurance provider in Milledgeville, Georgia.
- Mixed Customer Service: Customer service reviews are mixed, which can affect overall satisfaction.
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#7 – Liberty Mutual: Best for Personalized Policies
Pros
- Personalized Policies: Liberty Mutual offers a variety of personalized policy options and a 25% multi-vehicle discount, making it a strong choice for tailored coverage.
- Discount Opportunities: Liberty Mutual is well-regarded for offering savings on auto insurance, and it offers several discount options, including bundling and safe driving.
- Flexible Payment Plans: Liberty Mutual’s flexible payment options enhance affordability, making It a top pick for budget-friendly insurance.
Cons
- Higher Premiums: Higher premiums can impact Liberty Mutual’s reputation as a cost-effective insurance choice. Visit our detailed article, “Liberty Mutual Car Insurance Review,” for more information.
- Customer Service Issues: Challenges with claims processing and customer service can affect overall satisfaction with the insurance provider.
#8 – Nationwide: Best for Discount Options
Pros
- Discount Variety: As mentioned in the Nationwide auto insurance review, it offers various discounts, including a 20% multi-vehicle discount.
- Strong Financial Rating: With an A+ rating from A.M. Best, Nationwide demonstrates significant financial stability and reliability, enhancing its reputation as a reliable auto insurance provider.
- User-Friendly Tools: Nationwide’s intuitive online tools and mobile app simplify policy and claim management, making it a convenient choice for managing your auto insurance.
Cons
- Higher Rates for Some: Premiums may be higher for specific drivers, particularly those with poor credit, affecting overall affordability.
- Limited Local Presence: Nationwide might offer less personalized service because it has fewer local agents and offices than larger insurers.
#9 – Travelers: Best for Hybrid Friendly
Pros
- Hybrid-Friendly Coverage: Travelers offers specialized coverage for hybrid and electric vehicles, making It a leading choice for the best Milledgeville, Georgia auto insurance for eco-conscious drivers.
- Customizable Policies: Provides various policy options and add-ons, including unique features for hybrid vehicles.
- Strong Financial Stability: Based on our Travelers auto insurance review, A.M. Best’s high A++ rating ensures reliable and stable coverage.
Cons
- Complex Policy Terms: Complex policy terms can make it challenging for some customers to navigate.
- Higher Rates for Poor Credit: Premiums can be higher for drivers with poor credit, which may impact access to the most affordable auto insurance.
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#10 – The Hartford: Best for Senior Benefits
Pros
- Best for Seniors: The Hartford offers specialized coverage and benefits designed for seniors, making it a top option for older drivers.
- Comprehensive Discounts: The Hartford stands out for its value, offering a 25% discount for multiple vehicles and various other savings.
- Strong Customer Service: Known for excellent customer service and efficient claims handling, The Hartford is highly regarded for its reliability
Cons
- Higher Premiums: Premiums can be higher than those of other providers, which might impact affordability for those seeking the best Milledgeville, Georgia auto insurance.
- Limited Local Presence: The Hartford auto insurance review highlights that the limited number of local agents and offices compared to bigger competitors could influence the quality of personalized service.
Minimum Auto Insurance in Milledgeville, Georgia
Milledgeville, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance requirements to be financially responsible in the event of an accident. This helps protect both drivers and victims from the potentially devastating costs of a collision.
Milledgeville, Georgia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $72 | $111 |
| $61 | $95 |
| $106 | $165 |
| $139 | $252 |
| $159 | $246 |
| $92 | $160 |
| $66 | $102 |
| $68 | $110 |
| $90 | $192 |
| $77 | $119 |
This mandatory coverage includes liability insurance, which is divided into bodily injury liability and property damage liability. The minimum required limits are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.
These coverage limits are intended to provide essential financial protection if you are at fault in an accident. However, it’s necessary to assess whether these minimums are sufficient for your needs, as accident-related costs can often exceed these limits.
The Cheapest Milledgeville, Georgia Auto Insurance Companies
To find the cheapest auto insurance in Milledgeville, Georgia, it’s key to compare rates from top companies. Geico stands out as the cheapest option, with an average monthly rate of $261. State Farm and USAA are also competitively priced, with averages of $271 and $274, respectively.
| Insurance Company | Rates |
|---|---|
| $343 |
| $225 |
| $261 |
| $833 |
| $481 |
| $405 |
| $271 |
| $174 |
| $194 |
| $274 |
In contrast, Liberty Mutual is the most expensive, with an average monthly rate of $833. Nationwide and Progressive have higher premiums, too, averaging $481 and $405 per month, respectively.
Allstate falls in the middle, with an average rate of $343. For the best savings, consider the more affordable options like Geico, State Farm, and USAA.
It is advisable to compare these rates to secure the best deal, considering that cheaper options like Geico, State Farm, and USAA may offer significant savings over more expensive alternatives.
To ensure you get the most accurate and relevant rates for your specific needs, enter your ZIP code below to compare quotes from various insurers and see which offers the best value.
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Cheap Milledgeville, Georgia Auto Insurance by Credit History
Credit history plays a significant role in determining the cost of auto insurance, and this is evident in the varying rates based on credit scores in Milledgeville, Georgia. Drivers with poor credit can expect to pay considerably more for their auto insurance than those with fair or reasonable credit.
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $276 | $309 | $444 |
| $245 | $278 | $390 |
| $224 | $231 | $328 |
| $573 | $731 | $1,194 |
| $407 | $464 | $572 |
| $362 | $394 | $459 |
| $190 | $239 | $384 |
| $280 | $335 | $475 |
| $268 | $312 | $422 |
| $214 | $251 | $357 |
For instance, Allstate charges $444 monthly for drivers with poor credit, but this rate drops to $309 for those with fair credit and further to $276 for drivers with good credit. Similarly, Geico’s rates decrease from $328 for poor credit to $231 for fair credit and $244 for good credit.
Liberty Mutual, known for its higher rates, charges $1,194 for drivers with poor credit, which reduces to $731 for fair credit and $573 for good credit. Other insurers like Nationwide, Progressive, State Farm, and USAA also show a significant reduction in rates as credit scores improve.
This comparison underscores the importance of maintaining a good credit score to secure lower auto insurance premiums in Milledgeville, Georgia.
Read more: Best Auto Insurance Companies That Use Credit Scores
Factors Influencing Auto Insurance Rates in Milledgeville, Georgia
Factors that affect auto insurance rates in Milledgeville, Georgia, can lead to significant variations compared to other cities. One of the primary reasons for these fluctuations is the local traffic conditions and the rate of vehicle thefts within the area.
Milledgeville, Georgia Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 1,050 |
| Total Claims Per Year | 800 |
| Average Claim Size | $4,000 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 120 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Medium |
For instance, higher traffic congestion or a greater incidence of car thefts can drive up insurance premiums as these factors increase the risk of accidents or claims. Moreover, the average commute time in Milledgeville also plays a role in determining insurance costs.
Cities where drivers face longer commute times often experience higher auto insurance rates.Ty Stewart Licensed Insurance Agent
According to City Data, the average commute time in Milledgeville is 18.8 minutes. While this is relatively short compared to some larger cities, it still contributes to insurers’ overall risk assessment, potentially impacting the cost of coverage.
Auto Insurance Discounts From the Top Providers in Milledgeville, Georgia
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Multi-Car, New Car, Responsible Payer, Anti-Theft System, Early Signing, Paperless Billing, Pay-In-Full |
| Multi-Policy, Safe Driver, Good Student, Multi-Car, Vehicle Safety, Accident Forgiveness, Young Driver Discount |
| Multi-Policy, Safe Driver, Good Student, Multi-Vehicle, Military, Emergency Deployment, Federal Employee, Anti-Theft System, New Vehicle, Defensive Driving Course |
| Multi-Policy, Safe Driver, Good Student, Newly Married, New Vehicle, Paperless, Pay-In-Full, Homeowner, Early Shopper, Vehicle Safety, Anti-Theft System |
| Multi-Policy, Safe Driver, Good Student, Multi-Car, Anti-Theft System, Paperless, Pay-In-Full, Accident-Free, Defensive Driving Course |
| Multi-Policy, Multi-Car, Safe Driver, Good Student, Pay-In-Full, Paperless, Continuous Insurance, Homeowner, Snapshot (Usage-Based Discount) |
| Multi-Policy, Safe Driver, Good Student, Accident-Free, Vehicle Safety, Defensive Driving Course, Passive Restraint System, Anti-Theft System, Driver Training |
| Multi-Policy, Safe Driver, Anti-Theft System, Defensive Driving Course, Good Student, Vehicle Safety, Retiree Discount, Accident Forgiveness, New Vehicle |
| Multi-Policy, Multi-Car, Safe Driver, Good Student, Homeownership, New Car, Hybrid Vehicle, EFT (Electronic Funds Transfer), Pay-In-Full, Affinity Group, Defensive Driving Course |
| Multi-Policy, Multi-Vehicle, Safe Driver, Good Student, New Vehicle, Military-Specific Discounts, Defensive Driving Course, Storage Discount for Deployed Vehicles |
Local conditions such as these can influence your auto insurance rates in Milledgeville, making it essential to consider both broader and local factors when evaluating your insurance options.
Milledgeville, Georgia Auto Insurance Premium Overview
Milledgeville, Georgia’s vehicle theft rate receives a C+, indicating a higher-than-average rate but showing improvement. Traffic density earns a B, reflecting moderate traffic levels compared to larger cities in Georgia.
The area’s weather-related risks, such as occasional storms and flooding, are graded B-, showing the need for proper coverage.
Milledgeville, Georgia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Moderate traffic levels compared to larger cities |
| Average Claim Size | B | Average claim size similar to state norms |
| Weather-Related Risks | B- | Occasional storms and flooding risks |
| Vehicle Theft Rate | C+ | Higher than the state average but improving |
| Uninsured Drivers Rate | C | Higher than average rate of uninsured drivers |
The average auto insurance claim size is similar to state norms, earning a B grade. However, the C grade for uninsured drivers highlights a higher-than-average rate in Milledgeville.
To ensure you’re fully protected, finding the best Milledgeville, Georgia auto insurance is crucial. Enter your ZIP code below for free Milledgeville, Georgia auto insurance quotes.
Read more: How long after a car accident can you file a claim?
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Frequently Asked Questions
What factors make Milledgeville, Georgia auto insurance essential?
Local traffic, weather, and theft risks make Milledgeville, Georgia auto insurance crucial for financial protection. Georgia requires minimum liability coverage, ensuring drivers can cover accident costs and damages.
Is auto insurance mandatory in Milledgeville, GA?
Yes, Milledgeville, Georgia auto insurance is required by state law. This minimum liability coverage ensures drivers can cover accident costs, supporting safer roads. Enter your ZIP code below to get free auto insurance quotes.
What types of auto insurance coverage are available in Milledgeville, GA?
In Milledgeville, drivers can choose from liability (covers others’ injuries and property in an at-fault accident), collision (pays for repairs after a collision), comprehensive (covers theft, vandalism, and weather damage), uninsured/underinsured motorist (protects against drivers without sufficient insurance), and medical payments/personal injury protection insurance (covers medical costs for you and passengers).
How are Milledgeville, Georgia auto insurance rates calculated?
Rates depend on your driving history, age, vehicle type, local crime rates, coverage levels, and sometimes credit score.
What does liability coverage include in Milledgeville, Georgia auto insurance?
Liability coverage in Milledgeville, Georgia auto insurance pays for injuries and property damage you may cause to others in an at-fault accident.
What does collision coverage cover in Milledgeville, Georgia auto insurance, and is it necessary?
Collision coverage helps pay for vehicle repairs after a collision, regardless of fault. While optional, it’s valuable for drivers with newer cars or frequent commutes in Milledgeville.
What does comprehensive coverage in Milledgeville, Georgia auto insurance include?
Comprehensive insurance covers non-collision incidents like theft, vandalism, and storms, making it beneficial for added protection in Milledgeville.
How does The Hartford benefit senior drivers with Milledgeville, Georgia auto insurance?
The Hartford offers senior-focused car insurance discounts and a 25% multi-vehicle discount, making it a popular Milledgeville, Georgia auto insurance choice for older drivers.
What discounts are available for Milledgeville, Georgia auto insurance?
Milledgeville, Georgia auto insurance providers offer several discounts to help lower rates. Common discounts include good student, multi-vehicle, safe driver, bundling (combining auto with home or renters insurance), and low-mileage discounts. Comparing providers can help you find the best discounts for your needs.
Which provider has the best multi-vehicle discount in Milledgeville, GA?
Geico and The Hartford offer a 25% multi-vehicle discount on Milledgeville, Georgia auto insurance, ideal for families with multiple vehicles. Enter your ZIP code below to get free auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed 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.