Moultrie drivers pay an average of $2,225/year — $454 more than the national average. With 187 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $617/year.
(888) 217-6781Estimated full coverage auto insurance rates for Moultrie, GA from top carriers. Rates are adjusted for Moultrie's 187 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $736 | $123/mo |
| GEICO | $846 | $141/mo |
| Progressive | $950 | $158/mo |
| State Farm | $1,038 | $173/mo |
| Allstate | $1,269 | $212/mo |
Estimates based on 2026 rate filings for ZIP 31768. USAA is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Moultrie location.
These Moultrie-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Moultrie, GA. Takes under 2 minutes.
(888) 217-6781Moultrie is a smaller city in Georgia with a population of 14,638. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as severe thunderstorms, tornadoes, ice storms, hurricane remnants, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Moultrie.
For official Georgia insurance regulations, visit the Georgia Office of Insurance and Safety Fire Commissioner. For driver licensing, see the Georgia DDS.
Your specific ZIP code within Moultrie can swing your premium by hundreds of dollars. Here's how rates compare across Moultrie neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 31783 | Moultrie South Side | $2,076/yr | $173/mo |
| 31771 | Moultrie North Side | $2,176/yr | $181/mo |
| 31772 | Moultrie West Side | $2,229/yr | $186/mo |
| 31776 | Moultrie East Side | $2,254/yr | $188/mo |
| 31768 | Moultrie Downtown/Central | $2,406/yr | $201/mo |
The cheapest ZIP is 31783 (Moultrie South Side) at $2,076/yr. The most expensive is 31768 (Moultrie Downtown/Central) at $2,406/yr — a $330/year difference for the same driver.
Your Moultrie ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Moultrie. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,673/yr | $389/mo | +110% vs avg |
| Young Adult (20-25) | $3,115/yr | $260/mo | +40% vs avg |
| Adult (26-35) | $2,225/yr | $185/mo | 0% vs avg |
| Mid-Career (36-50) | $1,958/yr | $163/mo | -12% vs avg |
| Senior (51-65) | $1,847/yr | $154/mo | -17% vs avg |
| 65+ | $1,980/yr | $165/mo | -11% vs avg |
Teens in Moultrie pay an average of $4,673/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,847/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Georgia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Moultrie drivers can save up to $617/year. ZIP 31783 (Moultrie South Side) has the lowest rates starting at $2,076/yr.
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