Cheapest Car Insurance in Georgia (October 2025)

Full coverage car insurance in Georgia costs $135 per month on average — 11% more expensive than the national average. Minimum coverage runs $77 per month, which is 34% above the national average. These higher costs place Georgia 38th out of 51 states for full coverage affordability.

GEICO offers the cheapest rates for both full coverage and minimum liability statewide, while also leading in most major cities. Driving without full coverage leaves you vulnerable to repair costs if you cause an accident, so compare rates to find coverage that fits your budget. MoneyGeek also ranked the best car insurance companies in Georgia by analyzing rates, customer satisfaction and coverage options — Auto-Owners topped that list.

GEICO continues to lead Georgia's insurance market, offering the cheapest full coverage at $101 monthly or $1,218 annually—the same company that provides the lowest minimum coverage rates. This consistency makes GEICO a reliable choice for Georgia drivers seeking comprehensive protection at competitive prices.

Auto-Owners ($104 monthly) follows closely behind, while Central Insurance ($129 monthly), Progressive ($128 monthly), and Mercury Insurance ($136 monthly) complete the top five. Georgia drivers have several affordable options for comprehensive coverage as of September 2025.

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

GEICO offers the cheapest liability-only car insurance in Georgia at $40 monthly or $482 annually, making it an affordable option for meeting the state's minimum requirements. Georgia's competitive market provides drivers with several budget-friendly alternatives across major insurers.

Auto-Owners ($43 monthly) follows closely behind GEICO, while Central Insurance ($57 monthly), Progressive ($61 monthly), and Mercury Insurance ($72 monthly) complete the top five affordable options. Georgia drivers have solid choices for keeping costs low while maintaining legal compliance as of October 2025.

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

Georgia requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. These relatively standard limits keep baseline costs moderate but may leave you financially exposed in serious accidents, especially given Atlanta's heavy traffic and higher accident rates.

GEICO offers the most affordable minimum coverage rates in 11 of Georgia's 17 largest cities analyzed, while Auto-Owners secures the remaining six markets. This competitive split creates distinct regional patterns across the state's metropolitan landscape as of October 2025.

Minimum coverage costs across Georgia's major cities range from $32 to $61 monthly. Valdosta residents benefit from the state's lowest rates at $32 monthly through GEICO, while Atlanta drivers face the highest premiums at $61 monthly with Auto-Owners. Most mid-sized cities maintain rates between $37 and $47 monthly, with Auto-Owners typically serving the more expensive metro Atlanta suburbs.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Insurance costs for young drivers in Georgia remain steep, but the right insurer can cut your bill substantially. Auto-Owners delivers the lowest full coverage rates for drivers ages 16 to 25 at $224 per month — 41% cheaper than Georgia's average for this age group. Central Insurance follows at $257 per month, with Country Financial third at $245 per month.

For adults ages 26 to 64, Auto-Owners again takes the top spot at $100 per month for full coverage. GEICO runs close behind at $101 per month, and Progressive offers solid value at $124 per month.

Drivers ages 65 and older find their best deal with GEICO at $114 per month for full coverage — 41% below Georgia's senior driver average. Auto-Owners ranks second at $149 per month, while Central Insurance comes in at $214 per month.

Driving violations and credit issues can dramatically increase insurance premiums in Georgia. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. Your credit score matters too. Auto-Owners offers the best rates for most traffic violations, while Safeway Insurance leads for bad credit and Country Financial provides the lowest rates for DUI convictions.

• Cheapest With a Texting While Driving Violation: Auto-Owners ($100/mo)
• Cheapest With a Speeding Ticket: Auto-Owners ($111/mo)
• Cheapest With an At-Fault Accident: Central Insurance ($133/mo)
• Cheapest for Bad Credit: Safeway Insurance ($143/mo)
• Cheapest With a DUI: Country Financial ($179/mo)

Finding the most affordable insurance companies is just the first step to reducing your car insurance costs in Georgia. Our experts have identified proven ways to save the most on auto insurance.

Georgia requires drivers to carry 25/50/25 liability coverage. This means $25,000 for injuries to one person, $50,000 total per accident, and $25,000 for property damage. Liability coverage does not include a deductible, while comprehensive and collision coverage typically do.

The state also mandates uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. While this meets legal requirements, it still leaves drivers exposed to costly risks.

Drivers in Georgia must carry a minimum level of auto insurance to legally operate a vehicle. Georgia follows an at-fault system, meaning the driver who causes an accident is financially responsible for the damages. The state requires liability insurance to cover injuries and property damage you may cause to others. While these limits meet state law, they may not fully protect against costly claims. Understanding Georgia’s minimum car insurance requirements helps you stay compliant and decide whether higher coverage makes sense for your needs.

GEICO offers the lowest car insurance rates in Georgia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Below, our insurance experts answer common questions about finding affordable car insurance coverage in Georgia.

MoneyGeek collected auto insurance data from the Georgia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Georgia.

Georgia Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Georgia

We compared car insurance companies in Georgia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Georgia.

The minimum coverage liability limits in Georgia are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible