Car Insurance in Roswell
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Car Insurance in Roswell, GA: Compare Quotes and Find the Best Coverage
If you’re driving in Roswell, GA—whether you’re commuting to work, running errands in historic downtown, or navigating Holcomb Bridge Road—having the right car insurance is a must. It protects you, your passengers, and your vehicle from unexpected accidents, weather damage, and theft.
Roswell is a vibrant city in North Fulton County with over 92,000 residents. Known for its parks, family neighborhoods, and access to Metro Atlanta, it sees heavy traffic, higher-than-average vehicle values, and changing weather. Because of this, having the right car insurance in Roswell is essential for staying legal and financially protected.
The average cost of full coverage car insurance in Roswell is about $1,910 per year, slightly above the Georgia average of $1,760, but less than nearby Atlanta.
Minimum Car Insurance Requirements in Roswell, GA
All drivers in Roswell are legally required to carry Georgia’s minimum liability insurance:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
This coverage—called the 25/50/25 rule—only pays for damages or injuries to others if you’re at fault. It does not cover your own vehicle, so many Roswell drivers choose more comprehensive protection.
Recommended Coverage for Roswell Drivers
With Roswell’s suburban density, high-value vehicles, and risk of flooding or theft, full coverage is highly recommended.
| Coverage Type | What It Covers | Why It Matters in Roswell |
|---|---|---|
| Collision Coverage | Repairs for your car after an accident | Busy intersections and high-speed roads |
| Comprehensive Coverage | Theft, weather damage, vandalism, flood | Protects against storms and unexpected events |
| Uninsured Motorist Coverage | Damage caused by uninsured or hit-and-run drivers | 12% of Georgia drivers are uninsured |
| Medical Payments (MedPay) | Medical bills after an accident | Useful if you don’t have strong health insurance |
| Roadside Assistance | Towing, flat tires, battery help, lockouts | Convenient during breakdowns or emergencies |
Penalties for Driving Without Insurance in Roswell
Driving without insurance in Georgia, including in Roswell, is a serious offense. Penalties may include:
- Fines up to $185 (first offense)
- Suspension of license and vehicle registration
- Reinstatement fees over $200
- SR-22 filing requirement
- Jail time for repeated violations
- Increased insurance rates in the future
To stay safe and legal, always keep an active insurance policy and carry proof in your vehicle.
Average Cost of Car Insurance in Roswell, GA
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Coverage | $710 |
| Full Coverage | $1910 |
Roswell’s rates are higher than many smaller Georgia cities due to affluence, traffic, and vehicle repair costs.
Cost by Age Group
| Age Group | Average Annual Premium |
|---|---|
| 16–20 | $6,000+ |
| 21–25 | $2,100 |
| 26–35 | $2,800 |
| 36–50 | $1,850 |
| 51+ | $1,700 |
Younger drivers often pay more due to inexperience, while older drivers with clean records enjoy lower premiums.
Roswell vs. Other Georgia Cities: Cost Comparison
| City | Full Coverage | Minimum Coverage |
|---|---|---|
| Atlanta | $2,230 | $820 |
| Alpharetta | $1,950 | $730 |
| Sandy Springs | $1,960 | $720 |
| Marietta | $2,020 | $750 |
| Johns Creek | $1,950 | $730 |
| Savannah | $1,880 | $700 |
| Augusta | $1,780 | $670 |
| Macon | $1,720 | $650 |
| Athens | $1,620 | $640 |
| Roswell | $1,910 | $710 |
Roswell drivers pay slightly more than the Georgia average, but still less than many metro Atlanta cities.
Best Car Insurance Companies in Roswell, GA
Here are some of the top-rated insurers for Roswell drivers:
| Company | Best For | Estimated Full Coverage |
|---|---|---|
| GEICO | Cheapest rates overall | $1,860 |
| State Farm | Local agents and personalized service | $1,900 |
| Progressive | Great for high-risk or younger drivers | $1,940 |
| Allstate | Easy bundling with home insurance | $1,970 |
| Nationwide | Good for safe and low-mileage drivers | $1,910 |
| USAA (military only) | Best for military families | $1,680 |
✅ Tip: Always compare quotes from at least 3–5 providers to get the best deal for your ZIP code.
What Affects Car Insurance Rates in Roswell?
Several factors influence how much you pay for car insurance in Roswell:
- Driving Record: Accidents or tickets raise your rates
- Age & Gender: Younger drivers, especially males, pay more
- ZIP Code: Areas with higher theft or accident rates may cost more
- Vehicle Type: New or expensive vehicles cost more to insure
- Credit Score: Higher scores usually lead to lower premiums
- Annual Mileage: More driving = higher risk
- Coverage Type: Full coverage costs more than liability-only
- Claims History: Multiple claims often lead to increased premiums
How to Save on Car Insurance in Roswell
Here are ways you can lower your premium in Roswell:
- ✅ Bundle auto with home or renters insurance
- ✅ Use telematics or safe-driver programs
- ✅ Take a defensive driving course
- ✅ Raise your deductible (if you can afford the out-of-pocket)
- ✅ Maintain a clean driving record
- ✅ Ask for discounts (multi-car, good student, low mileage)
- ✅ Avoid coverage lapses
- ✅ Compare quotes every 6–12 months
Get a Free Car Insurance Quote in Roswell Today!
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FAQs – Roswell Car Insurance
Georgia requires liability coverage of 25/50/25.
On average, full coverage costs about $1,910 per year.
GEICO, USAA (if eligible), and State Farm often offer the lowest rates.
Yes—especially for new, financed, or leased vehicles and protection against theft or weather damage.
You could face fines, license suspension, registration cancellation, and SR-22 filing.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.