Elko Auto Insurance Rates, Quotes, Agents & Reviews in GA

Elko, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elko, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Elko, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Elko, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Elko, GA with that of other cities in and around Elko.

Elko Unadilla Pulaski County Houston County Perry Warner Robins
Average Insurance Rates $1,645 $1,556 $1,598 $1,624 $1,652 $1,481

Elko, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Elko, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Elko $1,238 $1,046
Houston County $1,427 $1,205
Perry $1,535 $1,296
Hawkinsville $1,082 $914
Unadilla $1,445 $1,221
Pinehurst $1,399 $1,181
Pulaski County $2,126 $1,796
Warner Robins $1,079 $912

Elko, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Elko, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,338
20 Years $2,114
30 Years $1,628
40 Years $1,566
50 Years $1,451
60 Years $1,471
70 Years $1,712

Elko, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Elko, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,862 $428
3 Vehicles $4,293 $642
4 Vehicles $5,725 $855

Savings on 2 Vehicles bundle:$428

Savings on 3 Vehicles bundle:$642

Savings on 4 Vehicles bundle:$855

Elko, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elko, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Elko $1,645 $3,007
Houston County $1,624 $2,969
Perry $1,652 $3,020
Hawkinsville $1,614 $2,951
Unadilla $1,556 $2,845
Pinehurst $1,559 $2,850
Pulaski County $1,598 $2,921
Warner Robins $1,481 $2,707

Elko, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,411
Excellent (740-799) $1,611
Good (670-739) $1,714
Average (580-669) $2,236
Poor (300-579) $2,683

Elko, GA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Greenway Insurance Agency Travelers 1612 WATSON BLVD, WARNER ROBINS, 31093 478-923-4211
Alex Thigpin State Farm 108 Ga Highway 49 S, Byron, 31008-7329 478-956-3131
John Palmer Allstate 100 N Houston Lake Blvd Ste F, Centerville, 31028 (478) 953-6400
Jake Goddard State Farm 1224 Washington St, Perry, 31069-2556 478-987-3500
Houser Lee Agency Travelers BOX 1617, FT VALLEY, 31030 478-825-5421
The Bunn Agency, Llc None 20 E Main St Ste A, Forsyth, 31029 None
Waites & Foshee Insurance Liberty Mutual Independent 850 WALNUT ST, MACON, 31201 478-743-0588
Waites And Waites Insurance None 1219 Macon Rd, Perry, 31069 None
Georgia Farm Bureau Brokerage Inc Travelers 433 N FRONTAGE RD, FORSYTH, 31029 478-994-9802
Tapley & Associates Insurance None 885 Wimbish Rd, Macon, 31210 None

Elko, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$72 $1,717
Driver's Failure In Showing Documents +$160 $1,805
Driving With An Expired Registration +$169 $1,814
Driving At A Considerably Slow Pace +$357 $2,002
Using A Cellphone While Driving +$377 $2,022
Running A Red Light +$383 $2,028
Speeding +$403 $2,048
Driving A Vehicle Without The Required Permission +$512 $2,157
Driving With An Expired/Suspended License +$1,109 $2,754

Elko, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,579
Active Disabling Device $1,579
Tracking Device $1,546
Passive Disabling Device $1,530