Cheap Car Insurance in Johns Creek, Georgia
Georgia’s roadways range from busy highways to quiet rural roads, but to drive on any of them, you’ll need car insurance. The right policy will allow you to meet liability requirements and provide protection. But finding a car insurance policy you can afford is often a challenge. That’s why Southern Harvest makes it our goal to find residents affordable car insurance policies.
Everything You Need to Know About Auto Insurance in Georgia
As the tenth-largest city in Georgia, Johns Creek is a popular destination, known for its high quality of life and natural beauty. Residents can take advantage of the mild weather in any of nine parks and enjoy the town’s cultural side at the Art Center at Johns Creek. Golfers can play at the same course Tiger Woods did when the PGA Championship was here in 2011.
While the city has more than its fair share of pleasantries, traffic is often regarded as a hassle. Navigating rush hour traffic in Johns Creek can be a challenge. With only Highway 141 and State Bridge Road as the city’s two main roadways, congestion occurs quickly and typically spreads onto Abotts Bridge Road, Old Alabama Road, and McGinnis Ferry Road.
Have peace of mind on the road by getting budget-friendly and reliable car insurance in Georgia, whether you frequently commute or just drive around town. Learn more about typical rates in your area, what types of coverage are available, and how to lower your monthly costs.
How Much Does Car Insurance Cost in Johns Creek, Georgia?
Car insurance in Johns Creek is reasonably affordable, costing drivers $63 per month for the state minimum liability coverage and $160 each month for full coverage.
While these costs are similar to those of some nearby cities, they are notably lower than the state monthly averages of $83 for liability and $238 for full coverage. Although minimum liability insurance in Johns Creek is right on par with the national average of $67 per month, full coverage is cheaper than the national monthly average of $223.
What Types of Coverage Are Recommended for Georgia Drivers Beyond the Minimum?
As a Georgia driver, you’re only required to carry liability coverage for bodily injury and property damage to others in any accident you cause. However, you may want to invest in a policy that protects you against other risks.
Full coverage is one of the most popular choices for drivers seeking more than liability coverage. This policy includes collision coverage (which pays for damage to your vehicle in a collision) and comprehensive coverage (which pays for damage caused by natural events, hitting an animal, vandalism, and other events).
Uninsured/Underinsured motorist coverage is an optional policy that many Georgia drivers depend on for protection from the unexpected. This policy pays for your damages if you get into an accident caused by an uninsured driver.
Affordable Car Insurance Rates Comparison by Cities in Georgia
Car insurance in Johns Creek is lower than the state average, but may be higher than the premiums required in other nearby cities. Insurance rates throughout Georgia can vary significantly due to factors such as increased vandalism rates, higher population densities, and higher claim frequencies.
The chart below compares monthly premiums in Johns Creek with those in other Georgia cities.
| City | Full Coverage Insurance | Liability Insurance |
|---|---|---|
| Johns Creek | $160 | $63 |
| Roswell | $147 | $57 |
| Peachtree Corners | $151 | $61 |
| Atlanta | $183 | $67 |
| Augusta | $132 | $46 |
Affordable Johns Creek Car Insurance Rates by Zip Code
Johns Creek is home to four zip codes in which insurance rates may vary. Insurance premiums may vary between neighborhoods because of factors like theft frequency, dangerous driving conditions, and the frequency of claims filed.
Our chart below compares the variance in premiums in Johns Creek zip codes and nearby cities, including Roswell and Peachtree Corners.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 30024 | $160 | $63 |
| 30022 | $147 | $59 |
| 30097 | $160 | $62 |
| 30005 | $141 | $54 |
| 30076 | $147 | $57 |
| 30092 | $151 | $61 |
Low-Cost Car Insurance Rates by Age in Johns Creek
Age is one of the biggest factors that influence insurance premiums. Young drivers in Johns Creek will pay substantially more for car insurance than older drivers because they lack the driving knowledge and experience to navigate unexpected situations on the road.
See the chart below to compare prices for young drivers vs. older drivers in Johns Creek.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $638 | $277 |
| 20s | $268 | $109 |
| 30s | $157 | $62 |
| 40s | $147 | $58 |
| 50s | $138 | $55 |
| 60s | $140 | $57 |
| 70s | $171 | $73 |
*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 Johns Creek
Roadways in Johns Creek are kept in good driving condition with frequent treatments, including repaving and resurfacing as needed. However, traffic congestion remains an ongoing issue that leads to longer commutes and roadway dangers.
To alleviate these issues, construction is taking place to widen parts of Abbots Bridge Road, Jones Bridge Road, and McGinnis Ferry Road. Various bridge projects are included in the road widening projects, making construction another factor to consider when driving safely.
How Many Accidents Happen in Johns Creek?
Between 2020 and 2024, 7,611 accidents occurred in Johns Creek. The crashes resulted in eight fatalities and 2,504 injuries. Rear-end collisions were the most common type, with ‘following too closely’ cited as a common cause. Most of the accidents also occurred during the day with clear conditions, suggesting that traffic congestion may have been a contributor.
Intersection collisions were the most common, with most occurring at intersections along State Bridge Road and Highway 141. The largest number of crashes (584) occurred at the intersection of the two roads. Crashes near Johns Creek High School were nearly half as common, at 227 accidents.
Other potentially dangerous intersections include the Jones Bridge Rd./Kimball Bridge Rd. intersection, Abbots Ridge Rd/Highway 141, and McGinnis Ferry Rd/Highway 141.
Minimum Car Insurance Requirements in Johns Creek
Whether you’re traveling to see the Autrey Mill Nature Preserve or to hike at Newton Park, you’ll need an insurance policy with coverage that meets the state liability insurance requirements. In Georgia, all residents must have a policy with the following:
- $25,000 Bodily injury per person
- $50,000 Bodily injury per incident
- $25,000 Property damage liability
What Are the Penalties for Driving Without Insurance in Johns Creek, GA?
Driving without insurance in Georgia is against the law, and the consequences of getting caught behind the wheel without coverage can be substantially more expensive than your liability premium. Penalties are based on the number of offenses and can include the following:
- First Offense: Fines of up to $200, 60-day minimum license suspension, and a registration reinstatement fee of $60
- Subsequent Offenses: Fines of up to $1,000, 90-day minimum license suspension, registration reinstatement fee up to $160, and up to one year jail time
Drivers who have their license taken away cannot drive for the entire duration of the suspension. Reinstatement fees after license suspension range from $200 to $420, depending on violation history and payment method.
Factors Allowed in Johns Creek Car Insurance Rates
Car insurance rates in Johns Creek are affected by various demographic and personal factors. Some of the most common factors affecting insurance premiums include:
- Coverage Amount: The amount of coverage you select will have a direct impact on your overall cost.
- Deductible: Higher deductibles can lower monthly premiums by reducing the potential risk you represent.
- Credit History: Credit scores are considered an indicator of risk, which means higher scores can reduce premiums.
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Auto Insurance Rates for Young Drivers vs. Older People in Johns Creek, GA
Affordability is a main concern for new drivers seeking car insurance. Young drivers have little experience, making them more likely to be involved in an accident and consequently more of a risk to insure. In Johns Creek, a 16-year-old driver pays $642 more than a 30-year-old driver on average for full coverage.
Solutions for finding affordable car insurance for young drivers, including college students, include putting teens on a parent’s policy, seeking insurance discounts, and comparing prices across insurance providers.
What Are the Best Discounts for Car Insurance in Johns Creek, GA?
Affordability is a top priority when finding the right auto insurance policy. Many insurers offer a range of discounts that can reduce the cost of premiums. Some of the most common discounts drivers in Johns Creek take advantage of include:
Get an Online Quote for Car Insurance in Johns Creek Today!
Johns Creek residents are required to have an insurance policy that includes the minimum liability coverage required by the state of Georgia. Some drivers prefer a full coverage policy that also includes collision and comprehensive coverage. Other coverages and add-ons are often a good idea to avoid paying out of pocket when unexpected circumstances arise.
When you come to Southern Harvest Insurance, getting an affordable policy that meets your needs is easy. Get started with an online quote, give us a call at 877-831-4677, or visit a local office in your area.
