Car Insurance in Georgia

  • Georgia Farm Bureau offers the cheapest liability and full coverage car insurance in GA
  • Compare cheap car insurance quotes in GA from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Location pin icon

About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry
Author profile picture

Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

Author profile picture

Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry

Car insurance quotes in Georgia

Car insurance in Georgia costs $1,286 for a 6-month policy — 18% more expensive than than the national average rate.[1] Georgia Farm Bureau offers full coverage insurance for around $122/month, which is the cheapest we found in our research.

According to our data, 41% of drivers in Georgia believe they are overpaying for car insurance.[2] While not always recommended, Georgia drivers looking for the cheapest coverage can drop to liability coverage for $500 for a 6-month policy.

Our agents and insurance experts analyzed Georgia car insurance quotes across different coverage levels, driving histories, and companies to find the best policy for you. Continue reading to find out how much auto insurance costs in Georgia so you know what's fair for your situation.

logo for the best customer service in GA, state farm
Best for customer service in GA
state farm logo
Best car insurance in GA — overall
auto-owners logo
Cheapest full coverage in GA
auto-owners logo
Cheapest liability coverage in GA

Below you'll find some of the other top insurance companies in Georgia as well as their average costs based on common factors like coverage level, whether you're a young driver or have violations and tickets in your recent driving history.


What are the best car insurance companies in Georgia?

To determine what is "best" in the world of car insurance, we conducted an expert analysis using customer satisfaction, the average cost in Georgia, coverage options and whether the company offers any benefits or perks.

best overall
Overall best car insurance company in Georgia — State Farm

While State Farm is pricier than GA Farm Bureau, which is the cheapest for full coverage and liability only, State Farm was rated well for customer satisfaction and claims satisfaction in The Zebra's survey, which could make the slightly higher cost worth it for the peace of mind.[4] This is corroborated by J.D. Power's 2024 regional study of auto insurance companies, with State Farm scoring above average for customer satisfaction.

Pros
  • Lots of extra coverage options and endorsements

  • Multiple discounts available

  • Local agents available nationwide

Cons
  • Expensive for younger drivers

  • Less custom coverage options

Best car insurance in Georgia — honorable mentions

State Farm is a solid choice but isn't the only reputable company for Georgia drivers. Below are some other top contenders according to the results of J.D. Power's study and The Zebra's survey of 2,722 drivers.

Best car insurance companies in Georgia

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners $888 $148
USAA $1,063 $177
Allstate $1,246 $208
Progressive $1,443 $241

Source: The Zebra

How the best value is determined

Our recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2024 Auto Insurance Study
  • Each company's average cost of car insurance in Georgia
  • Available coverage options
  • The author's 5+ years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.

Compare Georgia car insurance quotes and companies with The Zebra.

Location pin icon

Cheap full coverage insurance in Georgia

In Georgia, a full coverage policy with $500 deductibles for both comprehensive and collision coverage is priced at $1,286. The following displays monthly and 6-month rates from the top insurance providers in Georgia with full coverage.

Full coverage quotes in GA

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Georgia Farm Bureau $733 $122
Auto-Owners $888 $148
USAA $1,063 $177
Allstate $1,246 $208
Progressive $1,443 $241
State Farm $1,806 $301
GEICO $1,945 $324

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

About 50% of drivers in Georgia have full coverage.[2] While the exact definition may vary, full coverage consists of physical protection for your car with comprehensive and collision coverage. This protects against the costs of car accidents, theft, vandalism, or weather incidents.

Keep in mind that better coverage comes with a higher cost: in Georgia, a full coverage insurance policy with a $500 deductible costs $1,286 compared to $500 for liability-only coverage.

Zebra Tip: Look for these car insurance discounts

Full coverage will always cost more than liability-only, but there are ways to save with these common discounts:

  • Payment methods: Advance purchase, electronic bill pay, pay-in-full
  • Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
  • Vehicle discounts: New vehicles, safety devices (consider telematics), anti-theft devices

Cheap liability insurance in Georgia

Your selected coverage level significantly impacts the amount you pay. In Georgia, the typical cost for liability coverage stands at $500 for a regular 6-month policy. The following table displays car insurance quotes in Georgia for liability coverage.

Cheapest liability insurance in GA

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Georgia Farm Bureau $299 $50
Auto-Owners $321 $54
GEICO $464 $77
USAA $470 $78
Progressive $515 $86
Allstate $606 $101
State Farm $771 $128

Source: The Zebra

Based on our records, 50% of drivers in Georgia opt for just liability insurance for their cars.[2] The minimum liability limits in Georgia are 25/50/25. See a more detailed explanation of Georgia car insurance laws.

hunter black
Is the liability coverage in Georgia enough?

"I would always advise to bump up to 50/100/50 if the price difference is minimal. I would also advise selecting uninsured motorist coverage as an 'added on' instead of 'reduced.' Added on UM makes you eligible for ALL of the UM coverage you buy and add on the coverage of the at-fault third party. Whereas reduced UM only gives you access to the difference between the limit of the liability coverage between the third parties' coverage and your coverage."

Hunter Black, licensed insurance professional at The Zebra

Quote comparison: liability vs. full coverage

The trade-off of the low cost of liability-only car insurance is that it can leave you underinsured if you get in an accident or incident that causes physical damage to your vehicle. This is because liability insurance is designed to only cover accidents that you cause to others.

If you want protection for your car, you must have comprehensive and collision coverage, also known as full coverage.

Cheapest Liability & Full Coverage Quotes in Georgia

Updating data...

Company Liability Coverage Full Coverage
Georgia Farm Bureau $299 $733
Auto-Owners $321 $888
GEICO $464 $1,945
USAA $470 $1,063
Progressive $515 $1,443
Allstate $606 $1,246
State Farm $771 $1,806

Source: The Zebra


Cheap auto insurance for teens and young drivers in Georgia

Young drivers have a hard time finding cheap car insurance in Georgia. 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.[1]

Cheapest car insurance quotes for young drivers in GA

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Georgia Farm Bureau $2,036 $339
Auto-Owners $2,721 $454
USAA $3,166 $528
GEICO $4,314 $719
Allstate $4,775 $796
State Farm $6,828 $1,138
Progressive $7,685 $1,281

Source: The Zebra

Top companies in Georgia for Teens
Filter by:

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Allstate $6,404 $1,067
Auto-Owners $2,845 $474
GEICO $5,302 $884
Georgia Farm Bureau $2,425 $404
Progressive $10,879 $1,813
State Farm $9,338 $1,556
USAA $4,511 $752

Source: The Zebra

Zebra Tip: Three ways young drivers can save on car insurance

  1. Stay on a parent's policy: Joining mom and dad's policy will always be significantly cheaper than a young driver on their own policy.
  2. Student discounts: Many insurance companies offer discounts for students with a "B" average or those attending school away from home.
  3. Choose an inexpensive but safe car: High-performance sports cars and luxury vehicles are costlier to insure, especially for young drivers.

Find your best value insurance match with The Zebra.

Location pin icon

Georgia auto insurance quotes after an accident or ticket

Finding affordable car insurance in Georgia following an accident can be challenging. Insurers evaluate past accidents and tickets to determine the risk you present as a policyholder. A recent at-fault accident might lead to your car insurance rates rising by over $800 annually.[1]

Here's what leading insurance providers in Georgia might charge you after being at fault in an accident.

Best insurance companies in GA after an accident

Updating data...

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Georgia Farm Bureau $897 $150
Auto-Owners $1,272 $212
USAA $1,544 $257
Allstate $1,912 $319
Progressive $2,368 $395
State Farm $2,474 $412
GEICO $2,571 $429

Source: The Zebra

Zebra Tip: Don't forget about claims satisfaction

While customer service is important, claims satisfaction is critical for ensuring that you get the support you're entitled to as a policyholder. According to our survey, USAA scored the best for claims, but if you don't qualify, AAA is the next best option.

In Georgia, a bad driving record can make getting quotes more expensive and difficult. A ticket or citation is likely to raise your car insurance premiums. The extent of the increase is influenced by the nature of the violation, your insurance company's pricing criteria, and varying local insurance rules and risks. This is why the effect of tickets on insurance might differ in your state from the national average.

Georgia auto insurance quotes by violation

Updating data...

Accident/Violation Avg. Annual Premium $ Rate Increase
One Med/PIP claim $2,572 $0
None $2,572 $0
Two Med/PIP claims $2,580 $8
One comp claim $2,583 $11
Not-at-fault accident $2,591 $19
Two comp claims $2,626 $54
Driving without lights $3,093 $521
Failure to wear a seat belt $3,096 $524
Child safety restraint $3,126 $554
Failure to show documents $3,133 $561
Cell phone violation $3,208 $636
Texting while driving $3,208 $636
Driving too slowly $3,250 $678
Speeding in school zone $3,250 $678
Speeding 6 - 10 MPH over limit $3,250 $678
Speeding 11 - 15 MPH over limit $3,262 $690
Illegal turn $3,273 $701
Failure to yield $3,273 $701
Following too closely $3,273 $701
Driving with expired registration $3,279 $707
Speeding 16 - 20 MPH over limit $3,282 $710
Failure to stop at a red light $3,285 $713
Improper passing $3,285 $713
Wrong way/wrong lane $3,288 $716
Speeding 21 - 25 MPH over limit $3,325 $753
Passing school bus $3,383 $811
In 65 MPH zone $3,392 $820
Open container $3,440 $868
At-fault accident - less than $1000 $3,454 $882
Operating a vehicle without permission $3,498 $926
At-fault accident - $1000-$2000 $3,770 $1,199
At-fault accident - greater than $2000 $3,794 $1,222
Refusal to submit to a chemical test $4,444 $1,872
Reckless driving $4,573 $2,001
Racing $4,680 $2,108
Driving with a suspended license $4,696 $2,124
DUI $4,752 $2,180
Leaving scene of an accident/hit and run $4,877 $2,305

Source: The Zebra

The Zebra's guide to Georgia car insurance laws for high-risk drivers

Having a DUI, driving without insurance, and other violations in your driving record don't just cause your rates to jump up — they can also lead to more complicated insurance implications. 

Learn more about car insurance in Georgia as a high-risk driver with our helpful guide, or see more below.

Georgia DUI laws

If you get a DUI 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 DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.

 
Low-cost car insurance after a DUI 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 DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Georgia, Auto-Owners, advertises annual rates 43% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Georgia is Allstate, while the most expensive is GEICO, with prices 61% above average.

Georgia car insurance quotes with a DUI

Updating data...

Company Avg. Annual Premium
Auto-Owners $2,157
Allstate $2,453
Georgia Farm Bureau $2,897
Progressive $2,935
State Farm $3,345
USAA $3,879
GEICO $6,578

Source: The Zebra

Georgia SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI 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!

Location pin icon

How have car insurance costs in Georgia changed?

From 2015 to 2024, car insurance premiums in Georgia rose from $1,161 to $2,039. Significant increases occurred in 2016 to 2018, and especially in 2022 with a $447 hike. Despite occasional decreases, such as in 2020 and 2023, the overall trend is an upward climb in premiums.

Compared to the U.S. average, Georgia's premiums have consistently increased at a higher rate. In 2022, the difference was $194, and this gap widened to $182 in 2023 and $175 in 2024. This indicates that insurance costs in Georgia are rising faster than the national average.

Car insurance costs in Georgia since 2015
Year Avg. Annual Premium Yearly $ Change
2024 $2,039 $165
2023 $1,874 -$108
2022 $1,982 $447
2021 $1,535 -$4
2020 $1,539 -$65
2019 $1,604 $10
2018 $1,594 $152
2017 $1,442 $140
2016 $1,302 $141
2015 $1,161 -$65

Car insurance in popular Georgia cities

Where you live in Georgia can significantly impact your car insurance costs. Rates tend to be more expensive in cities with higher traffic densities, like Atlanta, than in Milton or Alpharetta.

Auto insurance quotes in Georgia's biggest cities

Updating data...

City Avg. 6 Mo. Premium Avg. Monthly Premium
Atlanta $1,586 $264
Savannah $1,343 $224
Macon $1,330 $222
Columbus $1,281 $213
Augusta $1,237 $206

Source: The Zebra


Georgia car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Georgia auto insurance.

Auto-Owners has the cheapest rates in Georgia at $96 per month for a full coverage policy. Georgia Farm Bureau and Allstate 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.

The average quote in Georgia for full coverage is $1020/6-month policy, or $170 per month. The cheapest option, liability-only, is $370 for a 6-month policy.

Car insurance is expensive in Georgia due to high accident rates, dense urban traffic, severe weather risks and increased litigation costs. Rising medical expenses, higher rates of insurance fraud, and a significant number of uninsured drivers also contribute to the higher premiums in the state.

In order to legally drive your car on public roads, the state of Georgia requires you carry at least liability coverage. If you're leasing or financing your vehicle, additional coverages like comprehensive and collision are usually required.

Save money on your next car insurance policy!

Location pin icon
Sources
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Survey. The Zebra

  3. 2024 U.S. Auto Insurance Study. J.D. Power

  4. 2024 Customer Satisfaction Survey. The Zebra

RECENT QUESTIONS ABOUT CAR INSURANCE IN GA:

Other people are also asking...

I got into an accident by I'm not on the insurance

It would depend whether or not you live with your mom. Insurance companies like for anyone who lives with the insured either be added or excluded from the insurance policy. This is because, if you live with someone, the likelihood of sharing vehicles is quite high and insurance companies want to kn…
Jan 29, 2018 Newnan, Georgia

If I hit a pole at a gas station and damaged my car will my policy cover the cost of fixing it?

In this situation, your policy will need to include collision coverage in order for the damage to be covered. State laws do not require this type of coverage so it's possible that it's not part of your policy. If you're unsure whether or not you have it, we recommend contacting your …
Aug 31, 2016 Cedartown, GA

What should I do with my insurance if my car is repossessed?

Since you no longer have possession of the vehicle then technically you could cancel your policy. It's important to keep in mind, though, that if you have been continuously insured for 6 months or more you will lose a discount if your policy cancels. If you were not planning on getting another…
Jul 15, 2017 Nashville, GA

Am I covered while I'm moving to a new state?

I'm so sorry to hear about your accident during such a transitional and inconvenient time! I would contact your insurance company in Oregon and talk to the claims department to see if this will be covered. Many companies provide a grace period for you to obtain other insurance while you are mo…
Jul 22, 2022 Atlanta, GA

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 editorial 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.