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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

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…

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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…

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

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

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Georgia car insurance quotes

Car insurance in Georgia costs $991 for a 6-month policy — 13% more expensive than than the national average rate. While not always recommended, drivers in Georgia looking for the cheapest coverage can drop to liability coverage for $370 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 you the best policy.

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 in Georgia — The Zebra's picks

Here are the top three car insurance companies in Georgia, according to third-party customer satisfaction ratings from J.D. Power.

Alfa insurance logo
Alfa Insurance: Best Customer Service in GA

Alfa Insurance received a score of 851 (out of 1,000) in J.D. Power's 2023 U.S. Auto Insurance Study, the highest for the Southeast region. For those eligble, USAA also topped J.D. Power's auto study.

State Farm logo
Nationwide: Cheapest full coverage in GA

Nationwide offered the cheapest full coverage insurance in Georgia at $119/mo

State Farm logo
GEICO: Cheapest liability coverage in GA

GEICO offered the cheapest liability insurance coverage in Georgia at $60/mo. If you are eligble, USAA offers cheaper coverage at $50/mo.

It's definitely a good idea to start your search with our picks, but there are many other great options for car insurance coverage in Georgia that could be a great fit. Below you'll find some of the other top insurance companies in Georgia as well as their average costs for a full coverage policy.

Most popular car insurance companies in Georgia
Company Avg. Annual Premium
Auto-Owners $1,147
Georgia Farm Bureau $1,434
Allstate $1,845
USAA $1,912
State Farm $1,945
Progressive $2,038
GEICO $3,644

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.


Compare Georgia car insurance quotes and companies with The Zebra

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Key takeaways for GA drivers

  • Georgia drivers pay $991 for a 6-month policy — about 13% more expensive than the national average.
  • 49% of drivers in Georgia carry liability coverage — 51% carry full coverage
  • Cheapest company for liability-only car insurance is GEICO
  • 40% of drivers Georgia believe they are overpaying for car insurance.

Cheap liability coverage in Georgia

Your selected coverage level significantly impacts the amount you pay. In Georgia, the typical cost for liability coverage stands at $370 for a regular 6-month policy. The following table displays yearly rates from leading insurance providers in Georgia for liability coverage.

Company Avg. Annual Premium
Auto-Owners $329
USAA $590
Georgia Farm Bureau $598
GEICO $726
State Farm $732
Allstate $741
Progressive $804

Georgia state minimum coverage

Based on our records, 49% of drivers in Georgia opt for just liability insurance for their cars. Even though choosing the most basic coverage in Georgia might seem appealing, many insurance experts suggest that it's not the most prudent decision because it leaves both you and your car vulnerable. 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

Cheap full coverage car insurance in Georgia

In Georgia, a full coverage policy with $500 deductibles for both comprehensive and collision coverage is priced at $991. The following displays yearly rates from the top insurance providers in Georgia for such coverage.

Company Avg. Annual Premium
Auto-Owners $1,147
Georgia Farm Bureau $1,434
Allstate $1,845
USAA $1,912
State Farm $1,945
Progressive $2,038
GEICO $3,644

About 51% of drivers in Georgia insure their vehicles with full coverage. While the exact definition may vary, full coverage usually consists of comprehensive and collision coverage as well as:

If you opt for a higher tier of coverage, you can choose a policy with comprehensive and collision. These coverages will protect 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 $991 compared to $370 for liability-only coverage.

Cheap auto insurance for young drivers in Georgia

Young drivers — aged between 16 and 25 — 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.

Cheapest insurance companies in GA for young drivers
Company Avg. Annual Premium
Auto-Owners $3,838
Georgia Farm Bureau $4,073
USAA $4,371
Allstate $5,666
GEICO $7,077
State Farm $7,278
Progressive $8,714

Find the best coverage and price in Georgia with The Zebra

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Georgia auto insurance costs 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 up to approximately $755 annually.

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

Best insurance companies in GA after at-fault accident
Company Avg. Annual Premium
Auto-Owners $1,525
Georgia Farm Bureau $1,794
USAA $2,173
Allstate $2,498
State Farm $2,639
Progressive $3,142
GEICO $4,315

Zebra Tip: Look for a safe driving discount

Besides offering a more affordable premium, certain companies provide safe driving discounts. The discount amount can differ depending on the company, but it typically ranges from 5% to 10%.

In Georgia, a bad driving record can cause your rates to skyrocket. Getting 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.

Accident/Violation Avg. Annual Premium $ Rate Increase
None $1,982 $0
One Med/PIP claim $1,982 $0
Two Med/PIP claims $1,989 $8
One comp claim $1,994 $13
Not-at-fault accident $1,996 $15
Two comp claims $2,029 $47
Driving without lights $2,240 $258
Failure to wear a seat belt $2,255 $273
Child safety restraint $2,261 $280
Failure to show documents $2,318 $337
Driving with expired registration $2,408 $427
Speeding 6 - 10 MPH over limit $2,471 $489
Driving too slowly $2,471 $489
Speeding in school zone $2,471 $489
Texting while driving $2,477 $495
Cell phone violation $2,477 $495
Speeding 11 - 15 MPH over limit $2,478 $496
Failure to yield $2,485 $503
Illegal turn $2,485 $503
Following too closely $2,485 $503
Speeding 16 - 20 MPH over limit $2,490 $508
Failure to stop at a red light $2,492 $510
Improper passing $2,492 $510
Wrong way/wrong lane $2,499 $517
Speeding 21 - 25 MPH over limit $2,586 $604
Passing school bus $2,605 $623
Operating a vehicle without permission $2,631 $650
At-fault accident - less than $1000 $2,643 $661
Open container $2,778 $796
At-fault accident - $1000-$2000 $2,843 $862
At-fault accident - greater than $2000 $2,864 $882
In 65 MPH zone $2,876 $895
Reckless driving $3,430 $1,449
Racing $3,506 $1,525
Refusal to submit to a chemical test $3,670 $1,689
Driving with a suspended license $3,672 $1,691
DUI $3,713 $1,732
Leaving scene of an accident/hit and run $3,811 $1,830

The Zebra's guide to Georgia car insurance laws

Car insurance is required in almost every state, including Georgia. Georgia mandates every driver to carry a certain amount of coverage to drive and even park on public roads.

Learn more about car insurance requirements in the state of Georgia with our helpful guide.

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.

Company Avg. Annual Premium
Allstate $2,207
Progressive $2,740
Nationwide $2,931
Georgia Farm Bureau $2,965
USAA $3,070
State Farm $3,340
GEICO $5,987

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!

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Car insurance costs 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 $991 for a 6-month policy.

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.

GEORGIA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Georgia Yearly Change — Georgia Avg. Annual Premium — US Yearly Change — US
2021 $1,535 -$4 $1,529 $46
2020 $1,539 -$65 $1,483 -$61
2019 $1,604 $10 $1,544 $23
2018 $1,594 $152 $1,521 $84
2017 $1,442 $140 $1,437 $69
2016 $1,302 $141 $1,368 $88
2015 $1,161 -$65 $1,280 $51
2014 $1,226 $70 $1,229 $34
2013 $1,156 -$622 $1,195 -$80
2012 $1,778 $423 $1,276 $82

If your premiums are increasing more rapidly than the state's average, it's time to explore other options. The Zebra's auto insurance comparison tool provides tailored quotes for your unique profile. Simply input your ZIP code below to begin.


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. 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.

The average quote in Georgia for full coverage is $767/6-month policy, or $128 per month. The cheapest option, liability-only, is $370 for a 6-month policy.

Georgia's average premium ($1,535/year) is comparable with the nation's average ($1,529), costing just $6 more.

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!

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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.