Cheap Georgia Car Insurance

Compare the best rates from 14 car insurance companies in Georgia.

Your information is secure.

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, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in Georgia!

Dang! Georgia is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Georgia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Georgia?
Rank Company Name Avg. Annual Premium
1 Auto-Owners $847
2 The Hartford $904
3 USAA $988
4 Central Mutual $1,181
5 MetLife $1,251
6 Georgia Farm Bureau $1,286
7 Travelers $1,305
8 Mercury $1,383
9 Safeco $1,383
10 Country $1,405
11 State Farm $1,418
12 Allied $1,438
13 Cal Casualty $1,546
14 Encompass $1,656
15 Progressive $1,756
16 Nationwide $1,864
17 Liberty Mutual $2,024
18 GEICO $2,187
19 Allstate $2,224
20 Victoria $2,534

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%

Car Insurance Laws

State minimum insurance requirements in Georgia

In Georgia, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Georgia (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Georgia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Georgia, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Georgia but higher coverage amounts are available with most companies.

Cheap Georgia Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Georgia.

Car Insurance FAQs

Are digital insurance cards accepted in Georgia?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Georgia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Georgia?

Uninsured Drivers in Georgia
Georgia

12%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 $1,465
2 Atlanta $1,391
3 North Atlanta $1,323
4 Dunwoody $1,294
5 Mableton $1,280
6 Smyrna $1,267
7 Marietta $1,266
8 Macon $1,266
9 Alpharetta $1,259
10 Sandy Springs $1,255
11 Roswell $1,247
12 Columbus $1,231
13 Savannah $1,215
14 Gainesville $1,208
15 Augusta $1,197
16 Rome $1,194
17 Peachtree City $1,180
18 Athens $1,147
19 Martinez $1,141
20 Warner Robins $1,138
21 Hinesville $1,134
22 Albany $1,131
23 Dalton $1,123
24 Valdosta $1,026

Recent Georgia Car Insurance Questions and Answers

Will I get my license taken away for driving without insurance in ga?

Jun 08, 2018

My car insurance was cancelled because I could not pay it. I figured if I drove carefully, I would be ...

Can I insure a boat with someone else’s name on the title

Jun 01, 2018

My father in law gave me his boat but the its still registered in his name. Can I get insurance ...

Why are my limits of liability increased when I buy an umbrella policy?

May 11, 2018

When umbrella coverage was added to policy, company raised Limits of liability from 100/300/100 to 250/500/100 and costs more. Why? ...

Does full coverage insure uhaul rental

May 07, 2018

I have full coverage, can I get a rental?...

Driving Laws

Georgia Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers and novice drivers <18 years.
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities

301

Per Year in Georgia
Annual DUI Arrests
Georgia
25,421
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

Georgia Car Insurance

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

Automotive Machines and Design Principles for Robotics Teams and Future Engineers
Automotive Machines and Design Principles for Robotics Teams and Future Engineers
May 09, 2017

The spirit of innovation has been part of the automotive industry since its inception. It’s what created Henry Ford’s drive...

#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017

April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

The Classic Spring Break Road Trip, Reimagined
The Classic Spring Break Road Trip, Reimagined
Mar 15, 2016

Goodbye winter, hello spring! And with this season’s promise of a return to warmth and sunshine comes a little gift...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Hit and Runs: What You Need To Know
Hit and Runs: What You Need To Know
Oct 06, 2015

Some traffic incidents cause heart pounding reactions, like stolen cars, car accidents, and near-misses, but unsurprisingly, hit-and-runs can be one...

How to Plan the Perfect Road Trip
How to Plan the Perfect Road Trip
Aug 21, 2015

Part of the allure of a road trip is making spontaneous stops, and even detours. Never seen the World’s Largest...

Self-Driving Car Crosses USA
Self-Driving Car Crosses USA
Mar 23, 2015

You come to a four-way stop at the same time as a car to your left. You have the right...

6 of the Coolest Concept Cars Ever Made
6 of the Coolest Concept Cars Ever Made
May 30, 2014

Concept cars have been around since 1938, and the goal has always been the same: A bit of peacocking, and...

Georgia Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Georgia area, while also getting an insider view of the Peach State.

Click here to learn more.

Prompt

So, Georgia students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.