Cheapest Auto Insurance Quotes in Warner Robins, GA (2025)

The central Georgia city of Warner Robins has a population of more than 80,000. The population quadruples when combined with the nearby Robins Air Force Base and several cities within a 30-minute driving radius. With the area’s additional traffic from the military base, finding the right car insurance policy is important.

The overall average monthly cost of car insurance in Warner Robins is $196. Drivers might find a better deal from Progressive, which has liability-only rates of $83 per month.

The average cost of your Georgia car insurance will vary by location and insurer. Insurify analyzed the latest insurance rates in Warner Robins, Georgia, to find the cheapest quotes in the area.

Cheapest liability-only car insurance in Warner Robins: Progressive

Georgia requires all drivers to carry liability insurance, which pays for damages to the other driver’s vehicle if you cause an accident. Liability insurance also includes bodily injury coverage, which reimburses medical payments for the other driver and their passengers.

Car insurance rates vary by city and state due to local factors, including the number of drivers on the road, accident rates, and vehicle theft rates in the area. Georgia’s fatal car accident rate is higher than the national average, at 16.7 deaths per 100,000 residents compared to 12.9 nationwide, according to Insurance Institute for Highway Safety (IIHS) data.1

Liability-only insurance costs an average of $164 per month in Georgia and $161 in Warner Robins, compared to the national average of $104 per month.

The table below shows the cheapest liability insurers in the city.

Cheapest full-coverage car insurance in Warner Robins: Auto-Owners

Full coverage is a more expensive type of insurance than liability-only coverage, but it also provides more financial protection. If you’re unsure which type of insurance you need, talking to an independent agent can help you find the best policy.

Full coverage includes liability coverage to pay for medical expenses and damages for the other party. It also includes collision coverage to repair or replace your own vehicle after an auto accident. In addition, you’ll have comprehensive coverage to reimburse you for non-accident-related damages from severe weather, falling objects, theft, and vandalism.

Georgia doesn’t mandate full coverage, but if you lease or finance your car, your lender may require it.

These are the lowest quotes for full-coverage auto insurance in Warner Robins.

How Warner Robins car insurance rates stack up

In the table below, you can see how car insurance rates in Warner Robins compare to some other Georgia cities.

How to get cheap car insurance in Warner Robins

Here are some tips on getting cheap car insurance in Warner Robins, GA: 

• Look for discounts. Car insurance companies offer rate reductions for many reasons. If you sign up for automatic payments, maintain a clean driving record, insure multiple vehicles, or bundle your policies, you can usually get a discount. 

• Reduce optional coverage. If you have an older vehicle that’s worth less than your annual premiums for collision and comprehensive insurance, you can probably drop those coverages to save some money.

• Increase your deductible. A higher deductible typically means lower car insurance premiums. Just make sure you can afford the out-of-pocket costs when you file a claim before increasing your deductible.

• Compare quotes and switch. Before your policy renews, shop around for car insurance quotes to see if any other insurers can offer you better rates.

Car insurance requirements in Georgia

The minimum liability insurance requirements for private passenger vehicles in Georgia are as follows:2

Warner Robins car insurance rates by driver age

As drivers gain more experience behind the wheel, their car insurance rates tend to decrease as long as they keep a clean driving record. Here’s how age affects rates in Warner Robins.

Warner Robins car insurance rates by driving history

Insurance companies also look at your driving record when setting your car insurance rates. Drivers with clean records tend to pay the best rates, while high-risk drivers in Georgia with accidents, tickets, driving under the influence (DUI) convictions, and other infractions pay more.

The severity of the infraction or incident also affects your rates. For example, Warner Robins drivers with a speeding ticket pay an overall average of $240 per month, but drivers with DUIs pay an average of $316 per month.

Warner Robins car insurance quotes by credit tier

While some states prohibit insurers from using credit history when setting car insurance rates, Georgia allows it.3 Poor credit usually results in more expensive car insurance premiums, but drivers with good or excellent credit tend to pay cheaper premiums.

Here’s how your credit affects rates in Warner Robins.