Cheap Georgia Car Insurance

Compare the best rates from 13 car insurance companies in Georgia.

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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

What's the cheapest car insurance in Georgia?
RankCompany NameAvg. Annual Premium
1Auto-Owners$847
2The Hartford$904
3USAA$988
4Central Mutual$1,181
5MetLife$1,251
6Georgia Farm Bureau$1,286
7Travelers$1,305
8Safeco$1,383
9Mercury$1,383
10Country$1,405
11State Farm$1,418
12Allied$1,438
13Cal Casualty$1,546
14Encompass$1,656
15Progressive$1,756
16Nationwide$1,864
17Liberty Mutual$2,024
18GEICO$2,187
19Allstate$2,224
20Victoria$2,534
21Dairyland$3,028

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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$28717.33%
No Accidents$83237.79%
Good Credit$1,08844.28%

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$2,20137.79%
DUI$2,10134.84%
Speeding Violation$1,65617.33%
Bad Credit$2,45744.28%

What are the Best Auto 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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Auto-Owners5Superior
Cal CasualtyNot RatedExcellent
Central MutualNot RatedExcellent
Country3Superior
GEICO3Superior
Georgia Farm BureauNot RatedGood
Liberty Mutual3Excellent
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
USAA5Superior
Victoria3Superior

 

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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 vehicular 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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Georgia$661.47$1,246.39$1,391.84
National Average$657.66$1,241.26$1,397.94

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.

Georgia Auto Insurance FAQs

Do you have to have car insurance in Georgia?

Yes. If you have a vehicle registered in the state of Georgia that is driven or parked on public roads, you need to maintain at least state-minimum liability insurance.

Does insurance follow the car or driver in Georgia?

In Georgia, car insurance follows the vehicle. If you borrowed a friend's insured vehicle and got into an accident, your friend's insurance would cover the damage.

Can your car be impounded for driving without insurance in Georgia?

This depends on how the law is enforced by the police. Because it is a misdemeanor to drive without insurance in Georgia, the vehicle could be impounded. Your license and registration could be suspended, and you could face fines.

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 Hinesville, Georgia, and the most expensive in East Point, Georgia.

RankCityAvg. Annual Premium
1East Point$1,986
2Atlanta$1,852
3Mableton$1,785
4Smyrna$1,741
5Marietta$1,720
6Sandy Springs$1,710
7Dunwoody$1,681
8North Atlanta$1,671
9Savannah$1,648
10Macon$1,638
11Alpharetta$1,636
12Columbus$1,570
13Gainesville$1,561
14Rome$1,537
15Warner Robins$1,506
16Peachtree City$1,491
17Augusta$1,479
18Athens$1,468
19Albany$1,439
20Dalton$1,397
21Roswell$1,247
22Valdosta$1,226
23Martinez$1,141
24Hinesville$1,134

Recent Georgia Car Insurance Questions and Answers

What does an insurability score of 813 mean?

We have an article that breaks down the insurance score here. In short, a high insurability score means insurance companies should be very competitive in rates and you are an ideal — or "preferred" — customer.

I'm an international student who will be sharing a car with my girlfriend. How do I get insurance and does it cover both of us?

Not all insurance companies will be willing to cover drivers with non-U.S. licenses, but it's certainly not impossible to find insurance as a foreign driver.

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.

Is the type of siding on a house, like vinyl, a rating factor for insurance premiums?

There is no straight-forward answer to what building materials you use for your house and the homeowners insurance rate you will end up with. Here's a tip to keep in mind that may help you make a decision: brick, stucco, and concrete are preferred by most insurers because they tend to be flame-retardant so the risk of losing the whole building decreases.


How Do Tickets Impact 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,96992%$1,421
Refused Breathalyzer/Chemical Test$2,81382%$1,266
DUI$2,81382%$1,266
Racing$2,54965%$1,002
Reckless Driving$2,55365%$1,006
Driving with a Suspended License$2,60768%$1,060
At-Fault Accident$2,46960%$922
Driving with an Open Container$2,14839%$601
Operating a Vehicle Without Permission$2,28948%$741
Passing a School Bus$2,18341%$636
Improper Passing$2,02931%$481
Following Too Closely$2,00129%$454
Speeding$2,04932%$501
Failure to Stop at a Red Light$2,02931%$481
Illegal Turn$2,02931%$481
Driving Wrong Way/Wrong Lane$2,02931%$481
Failure to Yield$2,02931%$481
Speeding in a School Zone$2,00029%$453
Driving Too Slowly$2,00029%$453
Distracted Driving$1,80016%$253
Driving with Expired Registration$2,01830%$471
Failure to Show Documents$1,82918%$282
Not-at-Fault Accident$1,6134%$66
Failure to Use Child Safety Restraint$1,6487%$101
Failure to Wear a Seat Belt$1,6487%$101
Driving Without Lights$1,5470%$0

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.

Prompt

So, 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.

How do I choose a location?

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
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

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.