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?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Auto-Owners | $847 |
| 2 | Travelers | $1,305 |
| 3 | Allied | $1,322 |
| 4 | Safeco | $1,383 |
| 5 | Georgia Farm Bureau | $1,438 |
| 6 | USAA | $1,543 |
| 7 | State Farm | $1,735 |
| 8 | Nationwide | $1,821 |
| 9 | Progressive | $2,190 |
| 10 | Mercury | $2,637 |
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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 | $287 | 17.33% |
| No Accidents | $832 | 37.79% |
| Good Credit | $1,088 | 44.28% |
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.
| Age | Annual Rate with Parents | Annual 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 Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,201 | 37.79% |
| DUI | $2,101 | 34.84% |
| Speeding Violation | $1,656 | 17.33% |
| Bad Credit | $2,457 | 44.28% |
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 Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allstate | 3 | Superior |
| Auto-Owners | 5 | Superior |
| Cal Casualty | Not Rated | Excellent |
| Central Mutual | Not Rated | Excellent |
| Country | 3 | Superior |
| GEICO | 3 | Superior |
| Georgia Farm Bureau | Not Rated | Good |
| Liberty Mutual | 3 | Excellent |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| Safeco | 3 | Excellent |
| State Farm | 3 | Superior |
| Travelers | 3 | Superior |
| USAA | 5 | Superior |
| Victoria | 3 | Superior |
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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.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $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.
| 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 |
| DUI | $2,813 | 82% | $1,266 |
| Racing | $2,549 | 65% | $1,002 |
| Reckless Driving | $2,553 | 65% | $1,006 |
| Driving with a Suspended License | $2,607 | 68% | $1,060 |
| At-Fault Accident | $2,469 | 60% | $922 |
| 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 |
| Improper Passing | $2,029 | 31% | $481 |
| Following Too Closely | $2,001 | 29% | $454 |
| Speeding | $2,049 | 32% | $501 |
| Failure to Stop at a Red Light | $2,029 | 31% | $481 |
| Illegal Turn | $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 |
| Distracted Driving | $1,800 | 16% | $253 |
| Driving with Expired Registration | $2,018 | 30% | $471 |
| Failure to Show Documents | $1,829 | 18% | $282 |
| Not-at-Fault Accident | $1,613 | 4% | $66 |
| 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 |
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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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | East Point | $2,069 |
| 2 | Atlanta | $1,922 |
| 3 | Mableton | $1,865 |
| 4 | Smyrna | $1,826 |
| 5 | Sandy Springs | $1,792 |
| 6 | Marietta | $1,787 |
| 7 | Dunwoody | $1,741 |
| 8 | North Atlanta | $1,736 |
| 9 | Savannah | $1,705 |
| 10 | Macon | $1,703 |
| 11 | Alpharetta | $1,694 |
| 12 | Gainesville | $1,650 |
| 13 | Columbus | $1,607 |
| 14 | Rome | $1,579 |
| 15 | Warner Robins | $1,548 |
| 16 | Peachtree City | $1,546 |
| 17 | Athens | $1,519 |
| 18 | Augusta | $1,517 |
| 19 | Albany | $1,487 |
| 20 | Dalton | $1,440 |
| 21 | Valdosta | $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?
Should I file a claim or pay out of pocket?
Does uninsured motorist coverage cover borrowed vehicles?
How soon am I required to insure a vehicle I bought through a private sale?
