Cheap Georgia Car Insurance
Compare Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies) to find the best and cheapest car insurance in Georgia.
Why you can trust The Zebra
The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.
Here's what you need to know when driving in Georgia
Car insurance in Georgia costs $1,535 per year — just over $6 more than the national average rate. What goes into your auto insurance premium is highly individual, depending on many factors such as your age, location, driving record and more.
In our guide to Georgia car insurance, we analyzed average car insurance rates in the Peach State to help you find a budget-friendly policy that meets your needs. Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized auto insurance quotes from top companies.
The best car insurance companies in Georgia
Here are the top three car insurance companies in Georgia, according to third-party customer satisfaction ratings from J.D. Power.
USAA received a score of 890 (out of 1,000) in J.D. Power's 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey. Note: only members of the military community are eligible for USAA membership.
State Farm is one of the nation's most popular insurance companies and was given a score of 859 in J.D. Power's 2021 auto study.
Coming in third place with a score of 849 in J.D. Power's 2021 customer satisfaction survey, Auto-Owners earned above-average ratings.
- Georgians pay about $6 less for car insurance on average
- The cheapest major car insurance company in Georgia is Auto-Owners
The cheapest car insurance companies in Georgia
These companies offer the cheapest rates in the following scenarios.
The cheapest rates for full coverage come from Auto-Owners at $1,148 annually or $96 per month.
If you have poor credit, rates from Nationwide come in at $1,908 annually or about $159 per month.
Auto-Owners is the most affordable company in Georgia if you have a recent DWI or at-fault accident.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$1,466|
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Georgia auto insurance laws
Car insurance is required in almost every state, including Georgia. Georgia mandates every driver to carry a certain amount of coverage — and proof of insurance — in order to be road-legal.
Opting for the legal minimum coverage level is cheaper than full coverage — expect to pay $582 every year for the state minimum level of coverage in Georgia. This rate is less expensive than the nationwide average by 62%.
Expect to pay $582 every year for the state minimum level of coverage in Georgia.
State minimum coverage
In order to drive legally in the state of Georgia, you must carry at least the minimum liability limits listed below:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $25,000 per accident
Optional coverage in Georgia (varies by carrier):
- Gap coverage
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
If you want more protection beyond the minimum, you can choose a policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.
Better coverage, however, comes at a cost. In Georgia, a comprehensive insurance policy with a $1,000 deductible costs $1,394 — that's 140% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 175% more than you would for basic coverage.
In Georgia, a comprehensive insurance policy with a $1,000 deductible costs $1,394 — that's 140% more than liability-only insurance.
The Zebra's guide to Georgia car insurance laws
Learn more about car insurance requirements in the state of Georgia with our helpful guide.
Compare car insurance rates from the best companies in Georgia.
Georgia car insurance premiums by rating factor
Rating factors such as your coverage level, age and driving history affect what you pay for car insurance. These will differ from person to person, and every company weighs these factors differently when generating quotes.
Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Georgia.
Cheap auto insurance in Georgia for minimum coverage
Choosing liability-only at the state minimum level will make your car insurance significantly cheaper than getting full coverage, though insurance professionals recommend you purchase auto insurance above state-minimum levels for better financial protection. In Georgia, the average cost for minimum coverage is $49 per month, or $582 yearly — a savings of $1,016 compared to full coverage.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$598|
Cheap auto insurance in Georgia with bad credit
Almost every state includes credit score as a rating factor. Past data inform insurers that those with poor credit tend to file more claims, making them riskier to insure. This is why drivers with bad credit are charged much higher rates. In Georgia, people with poor credit generally pay an additional $1,431 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$2,818|
Cheap auto insurance in Georgia with an at-fault accident
It's no secret that a checkered driving record will make your car insurance expensive. Like bad credit, a history of accidents and citations is another risk indicator. In Georgia, a recent at-fault accident can raise your rate by as much as $755 annually.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$1,794|
Cheap auto insurance for young drivers in Georgia
Teens and drivers in their 20s pay the most for car insurance compared to older age groups. This is due to younger drivers' relative inexperience on the road compared to older drivers and higher accident frequency. Teen drivers pay more than three times the national average rate. In Georgia, teens pay $5,760 per year, which is more than $4,231 than the national average and over three times as much as a 30-year-old Georgia driver.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$4,073|
Georgia auto insurance rate by violation
Receiving a ticket or violation will make your premium go up. Because every insurer's pricing standards are different, it's difficult to say how much exactly you can expect your rate to increase. Using data, however, we can provide general estimates.
See below for average auto insurance rates in Georgia after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,982||0%||$0|
|Two Med/PIP claims||$1,989||0%||$8|
|One comp claim||$1,994||1%||$13|
|Two comp claims||$2,029||2%||$47|
|Driving without lights||$2,240||13%||$258|
|Failure to wear a seat belt||$2,255||14%||$273|
|Child safety restraint||$2,261||14%||$280|
|Failure to show documents||$2,318||17%||$337|
|Driving with expired registration||$2,408||22%||$427|
|Speeding in school zone||$2,471||25%||$489|
|Speeding 6 - 10 MPH over limit||$2,471||25%||$489|
|Driving too slowly||$2,471||25%||$489|
|Texting while driving||$2,477||25%||$495|
|Cell phone violation||$2,477||25%||$495|
|Speeding 11 - 15 MPH over limit||$2,478||25%||$496|
|Failure to yield||$2,485||25%||$503|
|Following too closely||$2,485||25%||$503|
|Speeding 16 - 20 MPH over limit||$2,490||26%||$508|
|Failure to stop at a red light||$2,492||26%||$510|
|Wrong way/wrong lane||$2,499||26%||$517|
|Speeding 21 - 25 MPH over limit||$2,586||30%||$604|
|Passing school bus||$2,605||31%||$623|
|Operating a vehicle without permission||$2,631||33%||$650|
|At-fault accident - less than $1000||$2,643||33%||$661|
|At-fault accident - $1000-$2000||$2,843||43%||$862|
|At-fault accident - greater than $2000||$2,864||45%||$882|
|In 65 MPH zone||$2,876||45%||$895|
|Refusal to submit to a chemical test||$3,670||85%||$1,689|
|Driving with a suspended license||$3,672||85%||$1,691|
|Leaving scene of an accident/hit and run||$3,811||92%||$1,830|
Georgia DWI laws
If you get a DWI in Georgia, this violation can increase your auto insurance premium by 87%. It can be a challenge to find affordable car insurance with a recent DWI on your record, as it often triggers a larger uptick in premium costs than many other citations.
Low-cost car insurance after a DWI in Georgia
It’s integral to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Georgia. Car insurance premiums following a DWI can vary substantially by insurance company. For example, the least expensive car insurance company with a DWI in Georgia, Auto-Owners, advertises annual rates 43% less than the statewide average insurance rate with a DWI. The second-cheapest insurer for auto insurance after a DWI in Georgia is Allstate, while the most expensive is GEICO, with prices 61% above average.
|Company||Avg. Annual Premium|
|Georgia Farm Bureau||$2,965|
There is no insurer in particular that offers an inexpensive DWI car insurance rate that's comparable to a rate without a DWI on your record. The recommended way to save after a DWI citation is to shop around with as many companies as possible.
Georgia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DWI 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 an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
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 certification might disqualify you from getting coverage from some companies, while others will 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. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Georgia in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance is found in Lake Park, Georgia, and the most expensive in Candler-McAfee.
Have a look at the table below to see average car insurance costs in some of Georgia's biggest cities.
Car insurance price trends in Georgia
In Georgia, average annual auto insurance costs decreased by just $4 in the past year. A typical Georgia driver pays an average of $1,535 per year.
Year over year pricing trends in Georgia tends to be more volatile compared to rates across the United States. The steepest decrease occurred from 2012 to 2013, while the highest surge took place from 2011 to 2012. In recent years, premiums in Georgia have somewhat stabilized.
|Year||Avg. Annual Premium — Georgia||Yearly Change — Georgia||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Georgia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.
Who actually has the cheapest car insurance in Georgia?
Auto-Owners has the cheapest rates in Georgia at $96 per month for a full coverage policy. Nationwide and Georgia Farm Bureau also offer rates that are lower than average. The best way to find the cheapest car insurance in Georgia is to compare auto insurance quotes from as many companies as possible.
How much is car insurance in Georgia?
The average rate in Georgia is $1,535 per year, or $128 per month.
Why is car insurance so high in Georgia?
Georgia's average premium ($1,535/year) is comparable with the nation's average ($1,529), costing just $6 more.
Save money on your next car insurance policy!
- Car Insurance in Atlanta, GA
- Augusta, GA Car Insurance
- Savannah, GA Car Insurance
- Columbus, GA Car Insurance
- Athens, GA Car Insurance
- Car Insurance for High-Risk Drivers in Georgia
- Car Insurance with a DUI in Georgia
- Temporary Car Insurance in Georgia
- Average Cost of Car Insurance in Georgia
- Georgia Car Insurance Laws
If I hit a pole at a gas station and damaged my car will my policy cover the cost of fixing it?
Will comprehensive insurance cover damages caused by road debris?
Am I covered while I'm moving to a new state?
How do I get a false claim off my insurance report?
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 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.