Car Insurance in Georgia
- Georgia Farm Bureau offers the cheapest liability coverage in GA at $50/mo.
- Georgia Farm Bureau offers the cheapest full coverage in GA at $122/mo.
Enter your ZIP code to start your search for Georgia car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Georgia at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Georgia
Car insurance in Georgia costs $1,421 for a 6-month policy — 22% more expensive than the national average rate.[1] Georgia Farm Bureau offers full coverage insurance for around $122/month, which is the cheapest we found in our research.
According to our data, 49% of drivers in Georgia believe they are overpaying for car insurance.[2] While not always recommended, Georgia drivers looking for the cheapest coverage can drop to liability coverage for $584 for a 6-month policy.
Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories, and companies to find the best policy for you. Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation.
Best customer service in GA
- Erie Insurance scored 718 (7.6% above average) in J.D. Power’s latest auto study — the highest in Georgia.[3]
Cheapest full coverage in GA
- Georgia Farm Bureau offers the cheapest full coverage in Georgia at $122/mo.
Cheapest liability coverage in GA
- Georgia Farm Bureau offers the cheapest liability coverage in Georgia at $50/mo.
What are the best car insurance companies in Georgia?
We’ve named Erie Insurance as Georgia's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
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Cheap full coverage insurance in Georgia
In 2026, the average cost of full coverage insurance in Georgia is $1,421 for a six-month policy. Full coverage is a popular choice here, with 49% of The Zebra’s Georgia customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Georgia Farm Bureau — they’re known for offering some of the most competitive rates in the state.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Georgia Farm Bureau | $738 | $123 |
| USAA | $1,279 | $213 |
| Progressive | $1,371 | $229 |
| Encompass | $1,418 | $236 |
| Country | $1,499 | $250 |
| Safeway | $1,561 | $260 |
| Allstate | $1,700 | $283 |
| State Farm | $1,772 | $295 |
| GEICO | $1,913 | $319 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Local insights
Drivers near you in Georgia weigh in
"I dropped USAA after 25 years because the price tag got utterly insane. I’m with GEICO now. 3 cars, 3 drivers, full coverage only $277/month"
-Reddit user on r/Georgia
"I pay every 6 months, combined with homeowners through State Farm. $715, no accidents or tickets, only one ($0) glass claim. 2021 Chevy Blazer, I’m 28. "
-Reddit user on r/Georgia
Compare car insurance rates from the best companies in Georgia.
Cheap liability insurance in Georgia
The average cost for liability insurance in Georgia is $584 for a 6-month policy.[1] For our user profile, Georgia Farm Bureau offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $1,421, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Georgia Farm Bureau | $297 | $49 |
| GEICO | $433 | $72 |
| Auto-Owners | $478 | $80 |
| USAA | $499 | $83 |
| Progressive | $525 | $87 |
| Encompass | $570 | $95 |
| Country | $684 | $114 |
| State Farm | $782 | $130 |
| Safeway | $841 | $140 |
| Allstate | $924 | $154 |
Source: The Zebra
According to our data, 51% of Georgia drivers carry only the state-required liability coverage.[2] In Georgia, the law mandates minimum liability limits of . Learn more about car insurance requirements in the state of Georgia with our helpful guide.
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $499 | $1,279 |
| State Farm | $782 | $1,772 |
| Safeway | $841 | $1,561 |
| Progressive | $525 | $1,371 |
| MetLife | $717 | $1,296 |
| Mercury | $498 | $1,874 |
| Georgia Farm Bureau | $297 | $738 |
| GEICO | $433 | $1,913 |
| Encompass | $570 | $1,418 |
| Country | $684 | $1,499 |
| Auto-Owners | $478 | $1,187 |
| Allstate | $924 | $1,700 |
Source: The Zebra
If you’re in Georgia, there’s a behind-the-scenes system working to make sure drivers stay insured. The state uses the Georgia Electronic Insurance Compliance System (GEICS), which allows law enforcement and the DMV to verify your coverage in real time. Instead of relying only on a paper insurance card, insurers regularly report policy data directly to the state — so even a short lapse in coverage can be flagged quickly.[4]
This system helps reduce the number of uninsured drivers on the road, but it also means you’ll want to be careful about gaps in your policy. If your coverage lapses, you could face fines, reinstatement fees, or even a suspension of your vehicle registration.[5]
Car insurance in popular Georgia cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Dalton, Georgia, and the most expensive in Atlanta, Georgia.
Have a look at the table below to see average car insurance costs in some of Georgia biggest cities.
Source: The Zebra
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Source: The Zebra
Licensed. Knowledgeable. Helpful.
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Georgia auto insurance quotes after an accident or ticket
Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder.
Here's what leading insurance providers in Georgia might charge you after being at fault in an accident.
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| Company | No violations | With at-fault accident |
|---|---|---|
| Safeway | $1,420 | $1,939 |
| Georgia Farm Bureau | $731 | $895 |
| Allstate | $1,659 | $2,653 |
| Encompass | $1,430 | $2,106 |
| Progressive | $1,164 | $1,821 |
| USAA | $1,120 | $1,621 |
| MetLife | $1,172 | $1,922 |
| Mercury | $1,882 | $3,580 |
| Auto-Owners | $1,182 | $1,717 |
| State Farm | $1,757 | $2,403 |
| GEICO | $1,923 | $2,544 |
| Country | $1,512 | $2,045 |
Source: The Zebra
Source: The Zebra
The Zebra's guide to Georgia car insurance laws for high-risk drivers
For high-risk drivers in Georgia with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Georgia's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Georgia DUI laws
In Georgia, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Georgia
If you're convicted of a DUI or DWI violation in Georgia, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Georgia.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Georgia Farm Bureau | $1,478 | $246 |
| Safeway | $1,857 | $310 |
| Progressive | $1,881 | $314 |
| Country | $2,186 | $364 |
| Allstate | $2,270 | $378 |
| Auto-Owners | $2,297 | $383 |
| USAA | $2,298 | $383 |
| State Farm | $2,986 | $498 |
| GEICO | $3,544 | $591 |
| Encompass | $6,598 | $1,100 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Georgia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Georgia to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Georgia might require some research, but it could pay off in the end.
How to acquire an SR-22 in Georgia
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Georgia in minutes!
How have car insurance costs in Georgia changed?
Georgia’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $2,843 |
| 2025 | $2,847 |
| 2024 | $2,039 |
| 2023 | $1,874 |
| 2022 | $1,982 |
| 2021 | $1,535 |
| 2020 | $1,539 |
| 2019 | $1,604 |
| 2018 | $1,594 |
| 2017 | $1,442 |
| 2016 | $1,302 |
| 2015 | $1,161 |
Save money on your next car insurance policy!
Georgia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.
Save money on your next car insurance policy!
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Survey. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
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Georgia Electronic Insurance Compliance System. GEICS
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Lapse or Loss of Insurance Coverage. GA Department of Revenue
RECENT QUESTIONS ABOUT CAR INSURANCE IN GA:
What should I do with my insurance if my car is repossessed?
I got in an accident with my mom's car. Will Progressive cover it?
What do I do if I scratched a person's car, agreed to pay out of pocket, but can't agree on the cost of the repair?
If I hit a pole at a gas station and damaged my car will my policy cover the cost of fixing it?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
