Cheap Georgia Car Insurance

Find affordable 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 Premiums 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

See more rates and compare quotes from insurance companies in Georgia. Enter your ZIP code below to get started.

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Cheap 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 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 car insurance for bad drivers in Georgia

If you have a clean driving record — 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%

Best 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.

Review popular auto insurers' financial strength and claims satisfaction ratings to better understand the quality of service you'll receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

 

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Auto-Owners5Superior
Cal CasualtyNot RatedExcellent
Central MutualNot RatedExcellent
Country3Superior
GEICO3Superior
Georgia Farm BureauNot RatedGood
Liberty Mutual3Excellent
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
USAA5Superior
Victoria3Superior

 

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What is the Best Auto Insurance Coverage in Georgia?

The minimum required insurance in Georgia is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you elect the minimum required coverage in Georgia, you'll pay a mean of $661 annually. This expenditure 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, 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.

Analyze average expenditures for basic, good, and great insurance levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Georgia$661.47$1,246.39$1,391.84
National Average$657.66$1,241.26$1,397.94

Georgia Auto Insurance Laws

What are the state minimum insurance requirements in Georgia?

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

Additional info on insurance requirements in the state of Georgia.

Ticket Impact on Auto 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

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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 U.S.: $695 for a six-month policy or $116/month.

How much does car insurance cost in Georgia per month?

For our user profile, a 30-year-old male driving a Honda Accord, car insurance in Georgia will cost $115 per month. To find the best rate for you, use our comparison tool to see rates from Auto-Owners, Travelers and Allied.

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 Valdosta, Georgia, and the most expensive in East Point, Georgia.

RankCityAvg. Annual Premium
1East Point$2,069
2Atlanta$1,922
3Mableton$1,865
4Smyrna$1,826
5Sandy Springs$1,792
6Marietta$1,787
7Dunwoody$1,741
8North Atlanta$1,736
9Savannah$1,705
10Macon$1,703
11Alpharetta$1,694
12Gainesville$1,650
13Columbus$1,607
14Rome$1,579
15Warner Robins$1,548
16Peachtree City$1,546
17Athens$1,519
18Augusta$1,517
19Albany$1,487
20Dalton$1,440
21Valdosta$1,277

Recent Georgia Car Insurance Questions and Answers

Do I have a grace period to drive a used vehicle I just purchased without insurance coverage?

Hello, Thanks for your question. Most companies will give you up to 14 days to add the vehicle.

Should I file a claim or pay out of pocket?

The decision to file a claim or pay for the damage out of pocket will ultimately be up to you, but there are a few things to consider. Our State of Auto Insurance Report (page58) shows that an At-Fault accident in Georgia is likely to cause an increase to your premium of more than $500 per year.

Does uninsured motorist coverage cover borrowed vehicles?

Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.

How soon am I required to insure a vehicle I bought through a private sale?

Technically, the car needs to be insured before you get behind the wheel, even if the vehicle isn't registered yet in your name. The main issue in your situation is, if you get pulled over on your way home, you could be given a ticket for driving without insurance.


Ross Martin LinkedIn

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.