Find affordable auto insurance that works for you in Georgia. Compare quotes from over 100 top companies.
Across the Peach State, there are 257,077 miles of road just waiting to be driven. We’ll get you prepped with the cheapest car insurance in Georgia, then you take the wheel.
Compare quotes from dozens of insurance companies in Georgia by entering your ZIP code below.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Georgia drivers without a recent at-fault accident save 37% on their car insurance, on average — a solid amount more than the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$287||17.33%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Georgia, the typical teen driver pays $5,082 per year — about $100 more than the national average and more than three times what the average Georgia driver pays.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record in Georgia — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 34% after a DUI, 37% after an at-fault accident, and 17% after a speeding ticket in Georgia. Car insurance companies penalize Peach State drivers less severely after DUI violations than many other states. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Each auto insurer boasts about its low costs. But just like with any product, the cheapest choice isn't always the finest idea. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your car completely in the event of a collision. Work to find the best value, rather than settling for the most affordable car insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
|Allstate||Above average||Average||Superior||4.3 / 5|
|GEICO||Average||Average||Superior||4.4 / 5|
|Georgia Farm Bureau||N/A||N/A||N/A||N/A|
|Liberty Mutual||Below average||Above average||Good||4.2 / 5|
|Nationwide||Above average||Poor||Superior||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In Georgia, the state minimum coverage requirement is liability coverage with limits of:
Optional coverage in Georgia (varying by carrier) includes:
If you elect the minimum required coverage in Georgia, you'll pay an average of $661 annually which is more expensive than the U.S. average by 1%. If you want better coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by car accidents, theft and vandalism, or weather conditions. However, better coverage comes with a price: in Georgia, a comprehensive insurance policy with a $1,000 deductible runs $1,246 which is 88% more than liability-only coverage. For comprehensive coverage with a $500 deductible, you can expect to pay 110% more than you would for liability-only insurance.
Read more about insurance requirements in the state of Georgia.
If you get a ticket, your auto insurance premiums may rise. How much your rates rise depends on the specific citation, your insurance company's pricing strategy, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Georgia after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,969||92%||$1,421|
|Refused Breathalyzer/Chemical Test||$2,813||82%||$1,266|
|Driving with a Suspended License||$2,607||68%||$1,060|
|Driving with an Open Container||$2,148||39%||$601|
|Operating a Vehicle Without Permission||$2,289||48%||$741|
|Passing a School Bus||$2,183||41%||$636|
|Following Too Closely||$2,001||29%||$454|
|Failure to Stop at a Red Light||$2,029||31%||$481|
|Driving Wrong Way/Wrong Lane||$2,029||31%||$481|
|Failure to Yield||$2,029||31%||$481|
|Speeding in a School Zone||$2,000||29%||$453|
|Driving Too Slowly||$2,000||29%||$453|
|Driving with Expired Registration||$2,018||30%||$471|
|Failure to Show Documents||$1,829||18%||$282|
|Failure to Use Child Safety Restraint||$1,648||7%||$101|
|Failure to Wear a Seat Belt||$1,648||7%||$101|
|Driving Without Lights||$1,547||0%||$0|
Car insurance in Georgia is fairly similar to the average rate in the US: $695 for a 6-month policy or $116/month.
Auto insurance is actually fairly inexpensive in Georgia. The average insurance rate in Georgia is about $1,388 per year — less than the nationwide average by 2.8%.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Augusta, Georgia, and the most expensive in East Point, Georgia.