Cheap Car Insurance in Acworth, Georgia
Georgia motorists enjoy scenic highways and unique neighborhoods but also frequently encounter leaping deer and some of the nation’s worst congestion. Unfortunately, mixed roadway hazards can make it difficult for residents to find affordable car insurance.
At Southern Harvest, we help Peach State residents, like those in Acworth, find affordable car insurance policies that fit their needs and budget to ensure safety during travels that range from peaceful rural roads to heavily congested highways.
Everything You Need to Know About Auto Insurance in Georgia
Living in Acworth perfectly balances the joys of small-town living with the convenience of big-city access. Dubbed “Lake City” for its proximity to Lake Acworth and Lake Allatoona, Acworth is a haven for outdoor enthusiasts. Downtown, you’ll find a vibrant community populated with incredible restaurants, unique local businesses, and community events.
The convenient location, only 33 miles from Atlanta, makes for easy commuting. However, traffic congestion on I-75 and Cobb Parkway is common, often affecting feeder roads like Glade and Mars Hill Road. The right car insurance policy gives you the confidence of knowing you can travel safely throughout Acworth without worrying about your wallet.
How Much Does Car Insurance Cost in Acworth, Georgia?
While car insurance premiums vary by age, driving history, and other factors, Acworth motorists can expect to pay an average of $53 per month for minimum liability and around $140 per month for full coverage.
These rates are notably more affordable than the state average car insurance rates of $87 per month for liability and $242 per month for full coverage. They’re also lower than national averages for liability at $68 per month and for full coverage at $224 per month.
What Does Full vs. Minimum Mean?
Full and minimum car insurance are the most common policies used by motorists. They describe the types of coverage the policy provides. Minimum coverage is a policy with the minimum amount of coverage required by the state. Georgia motorists only need to carry bodily injury and property damage liability. This pays for damages in an accident you cause.
Full coverage is a policy that includes minimum liability along with collision and comprehensive coverage. Collision coverage pays for damage to your vehicle caused by a crash with another vehicle, while comprehensive coverage pays for damage to your vehicle caused by non-collision damage, such as storm damage, road debris, or hitting a deer.
Affordable Car Insurance Rates Comparison by Cities in Georgia
Acworth’s lower car insurance rates in comparison to the state and national averages highlight the ways car insurance rates can vary by location. Premiums vary from one city to the next due to risk factors like population density, road conditions, vandalism, and theft rates.
For example, Acworth’s low property crime rate suggests that fewer claims related to vandalism and vehicle theft could reduce insurance rates. See our chart below to compare car insurance rates in Acworth to those in other Georgia cities.
Affordable Acworth Car Insurance Rates by Zip Code
In some cities, car insurance rates vary by zip code, due to specific risk factors in a more concentrated area. Acworth is home to only two zip codes, with practically identical rates.
Our table below includes rates from surrounding neighborhoods to provide an accurate comparison of insurance rates by zip code in the Acworth area.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 30101 | $140 | $53 |
| 30102 | $142 | $53 |
| 30120 | $139 | $48 |
| 30144 | $138 | $53 |
| 30064 | $148 | $57 |
| 30152 | $142 | $56 |
| 30115 | $137 | $49 |
Low Cost Car Insurance Rates by Age in Acworth
Age is one of the biggest factors used to identify a driver’s risk level and calculate an accurate premium. Since inexperience represents a large driver risk, younger drivers can expect to pay significantly higher rates than motorists with decades of experience behind the wheel. Insurance rates creep up again as drivers enter their sixties and seventies.
Check out our table below to compare car insurance rates by driver age in Acworth.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $535 | $223 |
| 20s | $232 | $90 |
| 30s | $137 | $52 |
| 40s | $129 | $49 |
| 50s | $122 | $46 |
| 60s | $123 | $48 |
| 70s | $139 | $60 |
*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability, and full coverage of 100/300/100.
Driving Conditions in Acworth
Driving conditions in Acworth are generally safe, due to well-maintained roads and lower population density. However, potholes are a concern in older neighborhoods, and traffic congestion can be an issue during peak travel hours. Rapid population growth and suburban sprawl have led to more cars on the road and stress on local infrastructure.
Since many residents commute to Atlanta for work, traffic congestion is common on I-75, especially around exits 277 and 278, leading to downtown. The parallel route, Cobb Parkway, is also prone to congestion during peak hours, reminding drivers to slow down and stay vigilant for unexpected actions from other drivers.
How Many Accidents Happen in Acworth?
Although Acworth doesn’t have the same levels of traffic congestion as larger cities, accidents are a common concern. Over the course of a year, 634 accidents occurred in Acworth, resulting in 244 injuries and two fatalities.
Collisions are most common during peak travel hours, especially late afternoon when roads are filled with drivers headed home from school and work. The highest rate of accidents occurs at intersections, particularly those on heavily traveled roads.
Intersections on Cobb Parkway, including those on Acworth Summit Boulevard and Mars Hill Road, are an excellent example of the hazards of busy intersections. Congestion due to feeder traffic on Highway 92 is also a concern, increasing accident frequency at the North Main Street intersection and Cherokee Road.
Minimum Car Insurance Requirements in Acworth
Drivers in Acworth and throughout Georgia are required to maintain a car insurance policy with coverage that meets the state minimum requirements. Georgia’s minimum car insurance requirements include:
- $25,000 in bodily injury coverage for an individual
- 50,000 in bodily injury coverage per accident
- $25,000 in property damage liability coverage
Liability coverage only pays for damages sustained by others in an accident you caused. If you have minimum coverage, your insurance will pay a maximum of $25,000 for a single injury, a maximum of $50,000 for injuries sustained by others in a single accident, and a maximum of $25,000 for damaged property in an accident.
What Are the Penalties for Driving without Insurance in Acworth, GA?
Driving without insurance in Georgia is illegal. If you’re caught driving without insurance in Acworth, you could face substantial fines and penalties that increase in severity with multiple offenses. Penalties for driving without insurance in Acworth can include the following:
- Misdemeanor charges on your criminal record
- Civil fines ranging from $200-$1,000
- Driver’s license and registration suspension for 60 days to six months
- Reinstatement fees ranging from $60-$160
- Up to one year in jail
Factors Allowed in Acworth Car Insurance Rates
Your age and location are only two of the factors used by insurance professionals to calculate your insurance premiums. Several other factors are also used to determine the level of risk you possess as a driver.
While you don’t get to choose how some factors play into your rate, you can control some of the factors that affect your monthly premiums, including:
- Deductible Amount: A higher deductible can help you get lower rates, but it is important to ensure you set a deductible you are comfortable paying in the event of an accident.
- Vehicle Type: High-performance vehicles, luxury cars, and newer cars often increase rates due to increased risk or higher repair costs.
- Driving Record: Responsible driving habits pay off when your clean driving record without accidents, claims, or traffic violations reduces your insurance rates.
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Here’s What You Need to Know When Driving in Georgia
Georgia roads are notorious for traffic congestion, especially in Atlanta and the surrounding suburbs. While smaller cities like Acworth shield residents from the hustle and bustle of city living, commuter traffic and proximity to Atlanta still affect daily travel.
More cars on the road increase the odds of being involved in an accident, highlighting the need for a strong car insurance policy. For many Acworth drivers, having the right protection means expanding insurance coverage beyond the state minimums to include collision coverage and uninsured/underinsured motorist coverage.
What Are the Best Discounts for Car Insurance in Acworth, GA?
Shopping around is one way to find affordable car insurance, but drivers often forget the value of insurance discounts. Asking your insurance provider about your eligibility for discounts is a great way to reduce your rates. Some of the best discounts available in Acworth include:
Get an Online Quote for Car Insurance in Acworth Today!
Car insurance is a crucial necessity for driving in Acworth. It’s required by law, and the right policy can help you avoid financial burdens in the event of an accident. At Southern Harvest, we can help you find the right insurance policy at a price that fits your budget. Get started today with an online quote, a call at 877-831-4677, or a visit to an office near you.
