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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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 insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
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

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 $287 17.33%
No Accidents $832 37.79%
Good Credit $1,088 44.28%

 

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.

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 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 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%

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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)

Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A Above average Superior N/A
GEICO Average Average Superior 4.4 / 5
Georgia Farm Bureau N/A N/A N/A N/A
Liberty Mutual Average Above average Good 4.2 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

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

 

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.

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

 

Recent Questions:

Can someone else get insurance for my cars without me knowing?

Sorry to hear about your situation. Unfortunately, you cannot stop someone insuring a vehicle, but there is a pretty big problem with what he is doing.
Oct 30, 2019 Flowery Branch, GA

Do car insurance quotes affect credit?

Auto insurance is priced using an "insurance score" which does factor in a soft credit inquiry, not a hard credit pull, as well as your past driving history. This differs significantly from the way your credit is used when applying for a credit card or bank loan.
Jul 13, 2016 Decatur, GA

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.
Jul 7, 2019 Colbert, GA

Do renters claims affect homeowners insurance?

I would get two things done. I would call my prior renters insurance company to see how they have the claims marked.
Jul 15, 2021 Atlanta, GA

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.