Cheap Georgia Car Insurance

Find affordable auto insurance that works for you in Georgia. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Georgia

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.

Affordable insurance companies in Georgia

What's the cheapest car insurance in Georgia?
RankCompany NameAvg. Annual Premium
1Auto-Owners$847
2Travelers$1,305
3Allied$1,322
4Safeco$1,383
5Georgia Farm Bureau$1,438
6USAA$1,543
7State Farm$1,735
8Nationwide$1,821
9Progressive$2,190
10Mercury$2,637

Compare quotes from dozens of insurance companies in Georgia by entering your ZIP code below.

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Cheap auto insurance for good drivers in Georgia

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$28717.33%
No Accidents$83237.79%
Good Credit$1,08844.28%

 

Cheap auto insurance for young drivers in Georgia

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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,496$6,277
17$5,342$5,251
18$5,328$4,626
19$4,896$3,443

 

Cheap auto insurance for bad drivers in Georgia

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 FactorAnnual Rate% Increase
At-Fault Accident$2,20137.79%
DUI$2,10134.84%
Speeding Violation$1,65617.33%
Bad Credit$2,45744.28%

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Top rated car insurance companies in Georgia

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. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
GEICOAverageAverageSuperior4.4 / 5
Georgia Farm BureauN/AN/AN/AN/A
Liberty MutualBelow averageAbove averageGood4.2 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Georgia auto insurance laws

In Georgia, the state minimum coverage requirement is liability coverage with limits of:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $20,000 per accident

Optional coverage in Georgia (varying by carrier) includes:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist
  • Bodily Injury
  • Uninsured Motorist Property Damage

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.

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How tickets change insurance rates in 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,96992%$1,421
Refused Breathalyzer/Chemical Test$2,81382%$1,266
DUI$2,81382%$1,266
Racing$2,54965%$1,002
Reckless Driving$2,55365%$1,006
Driving with a Suspended License$2,60768%$1,060
At-Fault Accident$2,46960%$922
Driving with an Open Container$2,14839%$601
Operating a Vehicle Without Permission$2,28948%$741
Passing a School Bus$2,18341%$636
Improper Passing$2,02931%$481
Following Too Closely$2,00129%$454
Speeding$2,04932%$501
Failure to Stop at a Red Light$2,02931%$481
Illegal Turn$2,02931%$481
Driving Wrong Way/Wrong Lane$2,02931%$481
Failure to Yield$2,02931%$481
Speeding in a School Zone$2,00029%$453
Driving Too Slowly$2,00029%$453
Distracted Driving$1,80016%$253
Driving with Expired Registration$2,01830%$471
Failure to Show Documents$1,82918%$282
Not-at-Fault Accident$1,6134%$66
Failure to Use Child Safety Restraint$1,6487%$101
Failure to Wear a Seat Belt$1,6487%$101
Driving Without Lights$1,5470%$0

 

Georgia car insurance FAQs

Who actually has the cheapest car insurance in Georgia?

The cheapest car insurance will vary based on you and your driving profile. For the average driver in Georgia, Travelers, Allied, and Safeco are the cheapest companies.

How much is car insurance in Georgia?

Car insurance in Georgia is fairly similar to the average rate in the US: $695 for a 6-month policy or $116/month.

Why is car insurance so high in Georgia?

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%.

How much does car insurance cost in Georgia cities?

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.

RankCityAvg. Annual Premium
1East Point$2,069
2Atlanta$1,922
3Sandy Springs$1,792
4Marietta$1,787
5Savannah$1,705
6Macon$1,703
7Alpharetta$1,694
8Columbus$1,607
9Athens$1,519
10Augusta$1,517

 

Recent Questions:
Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.