Cumming, Georgia sits just north of the Atlanta metropolitan area. The average cost of full coverage car insurance in Cumming is $1,625, which is exactly the same as the average for the state of Georgia.
The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. Policygenius can help you see quotes from top providers and choose the coverage that's right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Cumming, GA
Car insurance companies use factors like age and driving history, driving history, vehicle type, and even credit score to determine car insurance rates. Even though all companies use the same information, they calculate it differently, which is why rates can vary widely from company to company.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $86/month | 865 |
USAA | $95/month | 890 |
COUNTRY Financial | $98/month | -- |
Central Insurance | $105/month | -- |
Farm Bureau | $116/month | -- |
Cheapest car insurance rates by ZIP code in Cumming, GA
Different areas of a city have different crime rates, frequency of traffic tickets or accidents, and parking options — all of which are factors that car insurance companies consider when setting rates.
ZIP code | Average cost |
|---|---|
30040 | $1,619 |
30028 | $1,624 |
30041 | $1,632 |
Choosing the right car insurance company in Cumming, GA
Cost is important, but it’s not the only thing to consider when shopping for car insurance. You should also look at discount options, claims satisfaction ratings, perks like accident forgiveness and even whether or not the company offers a mobile app for on-the-go claims filing.
If you're ready to start shopping, Policygenius can help you see quotes from top providers in your area and choose the coverage that's right for you.
Car insurance rates for drivers with driving violations in Cumming, GA
Whether a driver has a clean (or not-so-clean) driving record can have major impacts on their car insurance rates. Violations like a DUI/DWI, improper passing, even failure to stop at a red light can mean much higher rates.
Violation | Auto-Owners Insurance | USAA | COUNTRY Financial | Central Insurance | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,390 | $1,714 | $1,634 | $1,976 | $1,697 |
Suspended license | $1,986 | $2,258 | $1,987 | $2,763 | $2,822 |
Open container | $1,017 | $1,749 | $1,682 | $2,763 | $2,822 |
Expired registration | $1,017 | $1,480 | $1,682 | $1,616 | $1,384 |
Driving without lights | $1,017 | $1,480 | $1,682 | $1,707 | $1,384 |
Running a red light | $1,017 | $1,480 | $1,682 | $1,707 | $1,384 |
Following too closely | $1,017 | $1,480 | $1,682 | $1,707 | $1,384 |
Hit and run | $1,986 | $2,505 | $1,987 | $2,763 | $2,822 |
Not-at-fault accident | $1,017 | $1,198 | $1,286 | $1,343 | $1,384 |
Passing a school bus | $1,134 | $1,749 | $1,682 | $1,707 | $1,384 |
Reckless driving | $1,986 | $1,749 | $1,987 | $2,763 | $2,343 |
Cheapest car insurance for drivers with a DUI in Cumming, GA
Company | Rates for drivers with DUIs |
|---|---|
Auto-Owners Insurance | $1,986 |
COUNTRY Financial | $1,987 |
USAA | $2,380 |
Central Insurance | $2,763 |
Farm Bureau | $2,822 |
Cheapest car insurance for drivers with a speeding ticket in Cumming, GA
Company | Rates for drivers with speeding tickets |
|---|---|
Auto-Owners Insurance | $1,328 |
Farm Bureau | $1,384 |
USAA | $1,480 |
COUNTRY Financial | $1,682 |
Central Insurance | $1,707 |
Cheapest car insurance for drivers with bad credit in Cumming, GA
Georgia is one of the many states that allows companies to consider a driver’s credit score when setting rates. This means drivers in Georgia may pay higher insurance rates if they have a bad credit score, so it’s all the more important for drivers with poor credit to shop around and compare quotes for they buy.
Company | Rates for drivers with bad credit |
|---|---|
Safeway Insurance | $1,798 |
COUNTRY Financial | $1,829 |
GEICO | $1,844 |
USAA | $2,152 |
Nationwide | $2,224 |
Buying car insurance in Cumming, GA
Drivers in Georgia are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily liability coverage and $25,000 in property damage liability coverage.
Georgia is an at fault state. That means that the insurance company of the driver responsible for an accident will pay for the other party’s repair costs and medical bills. If you happen to be involved in an accident but not the party at fault, then your damage or injuries will be covered by the other driver’s insurance company.
How to get cheap car insurance in Cumming, GA
Initial car insurance quotes can seem expensive. Fortunately, there are some go-to methods for lowering your rates.
Find discounts: Insurance companies offer discounts or qualifying customers, for things like safe driving, paying your bill in-full for the year, or going paperless
Bundle policies: Get your home and auto insurance from the same insurance company to save on both
Improve your credit score: Take steps to improve low credit scores, like paying down debt and making all payments on time
Raise your deductible. Raising your insurance deductible can significantly lower your rates, but remember that you might have to actually pay that amount someday
Shop around: Reevaluate your coverage every year or so to see if you could be getting the same coverage at a lower rate from another company
Frequently asked questions
Which ZIP code has the most expensive car insurance in Cummings?
Our research shows there are two areas of Cumming, GA that average the highest cost for car insurance, ZIP codes 30028 and 30041.
Is car insurance in Georgia expensive?
Car insurance rates in Georgia are slightly lower than the national average, but drivers can still save money on car insurance by comparing quotes from multiple companies.
Is Georgia an at-fault state or a no-fault state?
Georgia is an a-fault state, which means that the driver who is responsible for an accident is financially responsible for all bodily injury and property damage costs caused by that accident. If you are at fault for an accident and don't have enough liability insurance, you will be required to pay the additional costs out of pocket.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $1,625 per year for car insurance, which breaks down to $135 per month.
