Cheapest Auto Insurance in Valdosta, Georgia (2025)

Drivers in Valdosta, Georgia, can find the best auto insurance rates with Hugo, Auto-Owners, State Farm, and COUNTRY Financial. On average, car insurance in Valdosta costs $155 per month overall. This is much lower than the overall average in Georgia of $207 and slightly lower than the national overall average of $144. It’s possible that the relatively small population of the city (around 55,000) contributes to these lower rates. Fewer people means fewer accidents on the road.

Insurance companies determine your auto premium based on the coverage amount and type you choose, as well as your driving record, age, marital status, vehicle type, and more. You have a number of quality options available in Valdosta, and you can find the one for you by comparing car insurance quotes.

3 of the cheapest car insurance companies in Valdosta

The cheapest car insurance option for another driver may not offer the best rates for you. Premiums can vary widely from one person to the next because of unique driver situations and coverage needs. It’s important to tailor your search to your age, driving record, and other factors that affect premiums.

Valdosta residents have plenty of different companies to choose from for a liability or full-coverage policy. The following insurers offer quality coverage at an affordable price.

Best for senior drivers: Auto-Owners

Best for drivers with an incident: State Farm

Best for teen drivers: COUNTRY Financial

How to get the cheapest car insurance in Valdosta

Before you start shopping for the best price for car insurance, you should evaluate your specific coverage needs. For example, liability and full-coverage insurance differ in coverage level and price significantly, so you should only pay for what you need.

Next, shop around to find the cheapest coverage. Drivers earn different rates in Valdosta depending on their driver profile, but finding low rates from an insurance company can save you a lot of money on annual premiums.

You can also earn cheaper rates through the following ways:9

• Select a higher deductible.

• Bundle policies with the same insurer.

• Improve your credit to improve your insurance score.

• Use discounts available through your employer, professional organization, or other group.

• Research discounts you may qualify for, such as a safe driver discount.

Cheapest liability-only car insurance in Valdosta: Progressive

Liability insurance only covers costs related to any damage and injury you cause other drivers and their passengers.4 Liability-only policies in Valdosta cost $121 per month, on average. Here’s how much you can expect to pay for liability coverage in Valdosta.

Cheapest full-coverage car insurance in Valdosta: Auto-Owners

Full-coverage insurance includes liability, collision, and comprehensive coverage. Collison insurance covers your vehicle damage following a collision with another vehicle or object, regardless of fault. Comprehensive coverage pays for damages from a non-collision incident, like severe weather, vandalism, or fire. Drivers in Valdosta pay an average of $188 per month for full-coverage insurance.

Here’s what you can expect to pay for full coverage in Valdosta.

Car insurance requirements in Georgia

Georgia, like most states, has minimum coverage requirements that drivers must adhere to. Specifically, drivers in the state need a minimum of bodily injury and property damage liability.5

Because Georgia is an at-fault state, the responsible driver’s liability insurance covers damages resulting from a crash or other incident.6

Required liability coverage in Georgia includes the following:

Drivers have the option of adding additional coverage for more protection, such as:

Cheapest car insurance for drivers with an incident

Your risk level determines car insurance rates, so people who are more likely to file a claim may pay more for an auto insurance policy. Insurance companies evaluate risk by looking at many factors, including incidents like at-fault accidents, speeding tickets, driving under the influence, and other moving violations.7 Any of these incidents can increase rates when your policy renews.

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Tickets show up on your motor vehicle record, which your insurer reviews periodically. Because speeding is a risky driving behavior that puts you at greater risk of having an accident, having a ticket on your record could make you lose any good-driver discounts you may have earned. Two or more tickets within a three-year period will likely increase your rate.

The average cost of car insurance for drivers with a speeding ticket in Valdosta is $230 per month for full coverage and $148 for liability only.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Any accident can increase your insurance rate, but an accident you cause will likely result in a significant increase in insurance prices — unless it causes minimal damage or you have accident forgiveness. A serious or total loss can significantly increase your car insurance bills. Though your insurer won’t penalize you forever, it could take a few years before your insurer stops factoring an accident into your premium.

In Valdosta, the average cost of car insurance for drivers with an accident is $251 per month for full coverage and $162 for liability only.

Cheapest car insurance for drivers with a DUI: Mile Auto

Due to the severity of the offense, a DUI conviction likely has the greatest effect on your insurance rates of all driving incidents. Even if your insurer doesn’t cancel your coverage, a DUI conviction will most likely significantly increase your auto premium. Valdosta drivers can expect to pay an average of $303 per month for full coverage and $195 for liability after a DUI conviction.

After a DUI in Georgia, you need to file an SR-22 form for at least three years. And your DUI won’t drop off your record for 10 years.

Cheapest car insurance for seniors: Mile Auto

Though senior drivers typically have lots of experience behind the wheel, aging can cause physical changes that make driving less safe — including effects on vision and memory. And drivers older than 70 have higher crash death rates than middle-aged drivers.8 That increased risk results in seniors paying slightly more for their insurance, on average.

The average cost of car insurance for senior drivers in Valdosta is $165 per month for full coverage and $106 for liability only.

Cheapest car insurance for teens: Progressive

Teenagers face the highest car insurance rates due to a lack of experience driving, a greater likelihood of risky behavior, and high crash rates. Teen drivers in Valdosta pay an average of $336 per month for full coverage and $216 for liability only.

But if you’re a teen driver, you can save on your premiums in a few different ways, including:

• Staying on your parents’ policy instead of getting your own

• Driving an inexpensive car

• Qualifying for a good-student discount

Valdosta car insurance quotes by credit tier

Insurance companies factor credit into insurance rates because people with poor credit have been shown to file more claims than drivers with good or excellent credit. Insurers use your credit history to calculate an insurance score, which helps predict insurance losses.

Each insurance company uses its own method in the insurance score calculation. As you can see from the chart below, your credit can affect your insurance rates.

The averages by credit tier are for full-coverage insurance in Valdosta.

Is car insurance more expensive in Valdosta?

Car insurance costs much less in Valdosta than the state average. Statewide, Georgians pay $207 per month for car insurance, but Valdosta drivers pay $155 per month. On average, drivers in the city pay $121 per month for liability and $188 for full-coverage car insurance.

The city and ZIP code you live in can influence your insurance rates. Drivers in urban neighborhoods, for example, typically pay more because of more accidents and higher crime rates. Valdosta has a relatively small population compared to larger Georgia cities, like Atlanta. The number of weather-related claims in a particular area can also affect rates.

More cities in Georgia

Valdosta drivers earn some of the lowest rates in Georgia — at least compared to several of the most populated cities. On average, Valdosta drivers pay $188 per month for full-coverage insurance. See how that compares to the cities below.