Auto Insurance Costs in Rome, GA: What to Expect

If you're shopping for auto insurance in Rome, Georgia, you're probably wondering: what should I actually expect to pay?

The good news is that Rome drivers typically pay less than the Georgia state average — and significantly less than drivers in Atlanta. But rates vary widely based on your age, driving record, coverage choices, and even your ZIP code within Floyd County.

Here's what we're seeing in the local market, based on current data and our experience insuring Rome families.

Rome's auto insurance rates are more affordable than you might expect — especially compared to Georgia's overall averages.

**Average Monthly Premiums in Rome, GA:**

**How Rome Compares to Other Georgia Cities:**

Rome falls in a sweet spot — rates are higher than very rural areas but far below Atlanta's urban premiums. The city's moderate traffic density and lower accident rates contribute to these savings.

Insurance companies set rates based on local risk factors. Here's why Rome comes out ahead:

**Lower Traffic Density:** Rome has fewer cars on the road than metro Atlanta. Fewer cars mean fewer accidents, which means fewer claims for insurers to pay.

**Fewer Accidents:** Floyd County recorded 1,155 crashes in 2023. That sounds like a lot until you compare it to Atlanta's thousands of accidents per month. Rome's accident frequency is dramatically lower.

**Lower Vehicle Theft:** While Floyd County isn't crime-free (there were 14 vehicle thefts and 30 car break-ins in early 2024), these numbers are a fraction of Atlanta's theft rates. Lower theft means lower comprehensive insurance costs.

**Less Congestion:** Atlanta's notorious traffic leads to more fender-benders and road rage incidents. Rome's traffic moves — even during rush hour on Turner McCall Boulevard, it's nothing like I-285.

**The Atlanta Effect:** Georgia's statewide averages are pulled up by Atlanta. When you see "Georgia average," remember that includes millions of drivers in high-cost metro Atlanta. Rural and mid-size Georgia cities like Rome benefit from being outside that bubble.

Your individual premium depends on several factors. Here's what moves the needle most:

**Age:** This is the biggest factor for many drivers.

Young drivers pay almost double what middle-aged drivers pay. Rates drop significantly after age 25 and hit their lowest point in your mid-50s to early 60s. After 65, rates tick up slightly but remain far below young driver rates.

**Driving Record:** A clean record is your best discount. Drivers with accidents or violations can pay $165/month or more — roughly double the clean-record rate. Even one at-fault accident can increase your premium significantly.

**Marital Status:** Married drivers in Rome pay about $70/month on average versus $86/month for single drivers. That's a $16/month savings just for being married. Insurers view married drivers as statistically lower risk.

**Homeownership:** Rome drivers who own their home average about $76/month, while renters average $81/month. This isn't because homeownership itself reduces risk — it's correlated with stability and often comes with bundling discounts.

**Coverage Level:** Choosing state minimum coverage ($45/month) versus full coverage ($135/month) makes a $90/month difference. But minimum coverage leaves you exposed — if you cause a serious accident, 25/50/25 limits may not cover the damages, putting your personal assets at risk.

**Deductible:** Higher deductibles lower your premium but increase your out-of-pocket cost when you file a claim. A $1,000 deductible will cost less monthly than a $500 deductible — but can you afford $1,000 if you have an accident tomorrow?

Insurers price policies based on local hazards. Here's what affects Rome drivers:

**Traffic Corridors:** U.S. Highway 27 (Turner McCall Boulevard through downtown), U.S. 411 toward Cartersville, and GA Route 1 carry the heaviest traffic. These routes see more accidents, especially during rush hours (6-8 AM and 4-6 PM). Intersections along Shorter Avenue, Broad Street, and Highway 411 are known high-collision areas.

**Accident Statistics:** Floyd County recorded 1,155 crashes in 2023, including 224 injury crashes and 14 fatalities. Mondays and Fridays see the most accidents — likely due to commuting patterns. While these numbers are much lower than metro Atlanta, they're still significant.

**Weather Hazards:** Rome sees occasional hail, heavy rain, and rare winter ice. The area had 14 documented hail events in the past year, with one spring 2025 storm dropping 2-inch hail in parts of Floyd County. Comprehensive coverage protects against hail, falling trees, and flood damage — but only if you carry it.

**Vehicle Theft:** Floyd County isn't immune to crime. In early 2024, police reported a string of vehicle break-ins and thefts — many involving unlocked cars or keys left inside. Comprehensive coverage covers theft, but the best protection is locking your car and not leaving valuables visible.

**Uninsured Drivers:** About 18% of Georgia drivers are uninsured — one of the highest rates in the country. That means nearly 1 in 5 cars on Rome's roads may have no insurance. If an uninsured driver hits you, your own uninsured motorist (UM) coverage is what protects you. We strongly recommend carrying UM coverage.

Rome drivers have access to numerous discounts. Here's how to lower your premium:

**Bundle Policies:** Insuring your auto and home (or renters) with the same company typically saves 10-20% on both policies. This is one of the easiest ways to reduce your overall insurance costs.

**Multi-Car Discount:** Insuring multiple vehicles on one policy saves money. Families with two or more cars should always combine them on a single policy rather than insuring separately.

**Safe Driver Discount:** Maintaining a clean driving record — no at-fault accidents or tickets — earns significant discounts. Some companies offer additional "accident-free" bonuses after several years without a claim.

**Good Student Discount:** Drivers under 25 who maintain a B average or better qualify for good student discounts with most insurers. With Berry College nearby, this matters for many Rome families.

**Defensive Driving Course:** Completing an approved defensive driving course can earn a discount. This applies to teen drivers (Georgia's Joshua's Law requires it anyway) and sometimes to seniors taking refresher courses.

**Pay in Full:** Paying your 6-month or 12-month premium upfront rather than monthly often earns a discount. If you can afford the lump sum, it's usually worth it.

**Usage-Based Programs:** Many insurers offer telematics programs that track your driving habits via an app. Safe drivers can earn 10-30% discounts. Rome's moderate traffic makes it easier to score well on these programs compared to Atlanta drivers.

**Ask About All Discounts:** Insurers don't always apply every discount automatically. Ask your agent to review your policy for military discounts, professional association discounts, automatic payment discounts, and any others you might qualify for.

Coverage choices matter. Here's what we typically recommend and why:

**State Minimum (25/50/25) — Not Recommended:** Some drivers carry only the legal minimum — $25,000/$50,000 bodily injury and $25,000 property damage. This costs around $45/month in Rome. However, these limits are dangerously low. Medical bills from a serious accident can easily exceed $25,000 per person. If you cause more damage than your limits cover, you're personally responsible for the difference.

**Full Coverage — Recommended for Most Drivers:** "Full coverage" means liability plus comprehensive and collision. The average full coverage policy in Rome runs about $135/month. This protects your vehicle against damage from accidents, theft, hail, and other covered events. If you have a car loan or lease, your lender requires this coverage anyway.

**Higher Liability Limits — Strongly Recommended:** We typically recommend 100/300/100 liability limits instead of the state minimum. The monthly cost difference is often small, but the protection is much greater — especially if you have assets like a home to protect.

**Uninsured Motorist Coverage — Essential:** Given Georgia's 18% uninsured driver rate, UM coverage is critical. It protects you when an at-fault driver has no insurance or not enough insurance. We recommend carrying UM limits that match your liability limits.

**Rental Car Reimbursement — Worth the Small Cost:** This coverage pays for a rental car while yours is being repaired after a covered accident. It typically costs just a few dollars per month. Without it, you could face hundreds in rental costs if your car is in the shop for a week or more.

**Gap Insurance — If You Owe More Than Your Car Is Worth:** If your car is totaled and you owe more on your loan than the car's value, gap insurance covers the difference. This is especially important for new cars that depreciate quickly or if you made a small down payment.

Rome has a competitive insurance market with various options:

**National Carriers:** Major insurers like State Farm (about 21% of Georgia's market), Progressive (15%), GEICO (13%), and others all serve Rome. Each company prices risk differently, so rates can vary significantly between carriers for the same driver.

**Regional Carriers:** Georgia-based companies like Georgia Farm Bureau and regional carriers like Auto-Owners Insurance also serve the Rome area. These companies sometimes offer competitive rates, particularly for certain driver profiles.

**High-Risk Options:** Drivers with DUIs, multiple accidents, or SR-22 requirements can find coverage through specialized carriers. Rates are higher — often $150-$200/month or more — but coverage is available for virtually any driver.

**The Value of a Local Agent:** Working with a local agent means you have someone who understands Rome's specific risks and can help you navigate coverage decisions. When you have a claim, you're not calling a 1-800 number — you're calling someone who knows your name and can advocate for you through the process.