GEICO leads Georgia with the lowest rates, charging $40 monthly for minimum coverage and $101 for full coverage. You'll save $40 monthly (36%) compared to state averages. Get quotes from Auto-Owners, Central, Progressive and Mercury too.
Cheapest Car Insurance in Georgia
Updated: August 28, 2025
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Key Takeaways
GEICO, Auto-Owners and Central Insurance are the cheapest car insurance companies for most Georgia drivers, with average savings of up to 36%.
Car insurance costs can be as low as $29 for minimum coverage and $69 for full coverage policies on average in Georgia.
To get the cheapest car insurance in Georgia, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Georgia?
| Geico | $40 | $101 | -36% |
| Auto Owners | $43 | $104 | -34% |
| Central Insurance | $57 | $129 | -16% |
| Progressive | $61 | $128 | -14% |
| Mercury Insurance | $72 | $136 | -6% |
*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.
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$192
High
$139
Average
$87
Low
Rates updated:
Aug 31, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 |  Progressive | 79 /of 100 | $133 |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Georgia
GEICO offers the cheapest rates in four out of our 10 driver categories, including adult drivers and seniors. Auto-Owners matches this performance by providing the lowest rates in four other categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $117 |
| Adult Drivers | Geico | $42 |
| Senior Drivers | Geico | $49 |
| Drivers With An Accident | Central Insurance | $57 |
| Drivers With A DUI | Auto Owners | $88 |
| Drivers With A Speeding Ticket | Auto Owners | $48 |
| Drivers With Bad Credit | Safeway Insurance | $85 |
| Drivers With Low Income | Geico | $55 |
| Drivers With Newer Cars | Geico | $44 |
| Drivers With Old Cars | Auto Owners | $34 |
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN GEORGIA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Georgia:
*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.
Compare the Cheapest Car Insurance in Georgia for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $164 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $168 | $2,014 | -43% |
| Auto Owners | $250 | $3,000 | -15% |
| Geico | $210 | $2,521 | -29% |
| Safeway Insurance | $177 | $2,128 | -40% |
| Country Financial | $164 | $1,962 | -45% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Georgia by City
Where you live in Georgia affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $29 in Moody AFB but Auto-Owners charges $66 in McDonough. Here are the cheapest providers for every Georgia city.
See how much you could save — the table lists the lowest-cost provider in Georgia’s biggest cities.
Data filtered by:Results filtered by:
Select
City:
| Atlanta | Auto Owners | $61 | -37% | $-58 |
| Columbus | Geico | $43 | -39% | $-47 |
| Savannah | Auto Owners | $53 | -38% | $-51 |
| Sandy Springs | Geico | $41 | -46% | $-60 |
| Roswell | Geico | $40 | -45% | $-55 |
| Warner Robins | Geico | $44 | -35% | $-41 |
| Johns Creek | Auto Owners | $47 | -41% | $-51 |
| Albany | Geico | $39 | -34% | $-34 |
| Alpharetta | Geico | $37 | -47% | $-57 |
| Marietta | Auto Owners | $50 | -41% | $-56 |
| Smyrna | Auto Owners | $52 | -38% | $-51 |
| Dunwoody | Geico | $40 | -48% | $-63 |
| Newnan | Auto Owners | $54 | -33% | $-42 |
| Gainesville | Geico | $37 | -38% | $-39 |
| Peachtree City | Auto Owners | $43 | -37% | $-40 |
| Douglasville | Auto Owners | $55 | -36% | $-50 |
| Kennesaw | Geico | $42 | -41% | $-51 |
| Canton | Geico | $36 | -45% | $-50 |
| Duluth | Auto Owners | $52 | -40% | $-56 |
| Redan | Auto Owners | $63 | -42% | $-72 |
| Lawrenceville | Auto Owners | $53 | -39% | $-54 |
| Stockbridge | Auto Owners | $58 | -33% | $-47 |
| Union City | Auto Owners | $60 | -41% | $-66 |
| Carrollton | Geico | $37 | -45% | $-51 |
| Sugar Hill | Auto Owners | $46 | -41% | $-52 |
| Decatur | Auto Owners | $61 | -41% | $-68 |
| Griffin | Geico | $40 | -43% | $-51 |
| Cartersville | Auto Owners | $49 | -30% | $-34 |
| Candler-McAfee | Auto Owners | $63 | -43% | $-74 |
| Acworth | Geico | $42 | -39% | $-47 |
| Suwanee | Auto Owners | $47 | -43% | $-57 |
| Snellville | Auto Owners | $57 | -36% | $-50 |
| Conyers | Auto Owners | $58 | -35% | $-49 |
| Buford | Auto Owners | $48 | -41% | $-52 |
| Fayetteville | Auto Owners | $49 | -38% | $-47 |
| Statesboro | Geico | $36 | -39% | $-41 |
| Valdosta | Geico | $32 | -40% | $-37 |
| Hinesville | Geico | $37 | -37% | $-38 |
| Dalton | Geico | $35 | -39% | $-37 |
| Rome | Geico | $36 | -42% | $-45 |
| Woodstock | Geico | $42 | -39% | $-45 |
| Pooler | Geico | $39 | -42% | $-49 |
| Milton | Geico | $36 | -48% | $-56 |
| Abbeville | Auto Owners | $41 | -29% | $-27 |
| Adairsville | Auto Owners | $44 | -30% | $-30 |
| Adel | Auto Owners | $38 | -31% | $-27 |
| Adrian | Geico | $37 | -35% | $-34 |
| Ailey | Geico | $37 | -32% | $-30 |
| Alamo | Geico | $37 | -35% | $-35 |
| Alapaha | Geico | $35 | -33% | $-29 |
| Allentown | Auto Owners | $45 | -30% | $-32 |
| Alma | Geico | $36 | -36% | $-34 |
| Alston | Geico | $36 | -37% | $-37 |
| Ambrose | Geico | $35 | -34% | $-30 |
| Americus | Geico | $36 | -34% | $-31 |
| Andersonville | Auto Owners | $42 | -27% | $-25 |
| Appling | Geico | $32 | -45% | $-44 |
| Arabi | Auto Owners | $40 | -30% | $-28 |
| Aragon | Auto Owners | $46 | -35% | $-38 |
| Argyle | Geico | $35 | -34% | $-31 |
| Arlington | Auto Owners | $40 | -30% | $-27 |
| Armuchee | Geico | $37 | -38% | $-39 |
| Arnoldsville | Geico | $36 | -36% | $-35 |
| Ashburn | Geico | $36 | -32% | $-29 |
| Athens | Geico | $37 | -39% | $-41 |
| Attapulgus | Geico | $32 | -40% | $-36 |
| Auburn | Geico | $45 | -36% | $-43 |
| Augusta | Geico | $40 | -41% | $-48 |
| Austell | Auto Owners | $56 | -39% | $-56 |
| Avera | Geico | $32 | -43% | $-41 |
| Avondale Estates | Geico | $43 | -52% | $-81 |
| Axson | Geico | $35 | -34% | $-30 |
| Baconton | Geico | $36 | -33% | $-30 |
| Bainbridge | Geico | $32 | -40% | $-37 |
| Baldwin | Geico | $35 | -35% | $-33 |
| Ball Ground | Geico | $36 | -44% | $-49 |
| Barnesville | Geico | $42 | -33% | $-35 |
| Barney | Geico | $32 | -39% | $-35 |
| Bartow | Geico | $37 | -34% | $-32 |
| Barwick | Geico | $34 | -37% | $-35 |
| Baxley | Geico | $36 | -36% | $-35 |
| Bellville | Geico | $35 | -39% | $-38 |
| Berlin | Geico | $35 | -36% | $-35 |
| Bethlehem | Geico | $45 | -35% | $-42 |
| Bishop | Auto Owners | $43 | -32% | $-32 |
| Blackshear | Geico | $34 | -38% | $-35 |
| Blairsville | Geico | $36 | -36% | $-34 |
| Blakely | Geico | $32 | -41% | $-37 |
| Bloomingdale | Geico | $39 | -41% | $-47 |
| Blue Ridge | Geico | $36 | -35% | $-34 |
| Bluffton | Auto Owners | $39 | -32% | $-29 |
| Bogart | Geico | $34 | -40% | $-39 |
| Bolingbroke | Geico | $42 | -36% | $-41 |
| Bonaire | Geico | $36 | -38% | $-38 |
| Boneville | Geico | $30 | -50% | $-50 |
| Boston | Geico | $32 | -38% | $-34 |
| Bostwick | Auto Owners | $45 | -32% | $-33 |
| Bowdon | Geico | $37 | -44% | $-49 |
| Bowdon Junction | Geico | $37 | -44% | $-50 |
| Bowersville | Geico | $34 | -38% | $-37 |
| Bowman | Geico | $32 | -39% | $-36 |
| Box Springs | Auto Owners | $45 | -30% | $-30 |
| Braselton | Geico | $36 | -43% | $-48 |
| Bremen | Auto Owners | $44 | -37% | $-42 |
| Brinson | Geico | $32 | -40% | $-37 |
| Bristol | Geico | $36 | -35% | $-32 |
| Bronwood | Auto Owners | $44 | -29% | $-28 |
| Brookfield | Geico | $36 | -34% | $-32 |
| Brooklet | Geico | $35 | -42% | $-43 |
| Brooks | Geico | $39 | -41% | $-46 |
| Broxton | Geico | $35 | -35% | $-31 |
| Brunswick | Geico | $32 | -41% | $-39 |
| Buchanan | Auto Owners | $45 | -35% | $-39 |
| Buckhead | Geico | $35 | -38% | $-37 |
| Buena Vista | Geico | $38 | -34% | $-33 |
| Butler | Auto Owners | $45 | -29% | $-30 |
| Byromville | Auto Owners | $43 | -28% | $-26 |
| Byron | Geico | $37 | -36% | $-37 |
| Cadwell | Geico | $36 | -36% | $-36 |
| Cairo | Geico | $32 | -40% | $-37 |
| Calhoun | Auto Owners | $42 | -32% | $-31 |
| Calvary | Geico | $31 | -44% | $-41 |
| Camak | Geico | $32 | -43% | $-42 |
| Camilla | Geico | $35 | -34% | $-30 |
| Canon | Geico | $32 | -39% | $-35 |
| Carlton | Geico | $34 | -38% | $-36 |
| Carnesville | Geico | $33 | -38% | $-35 |
| Cassville | Auto Owners | $47 | -37% | $-44 |
| Cataula | Geico | $37 | -35% | $-35 |
| Cave Spring | Geico | $39 | -37% | $-39 |
| Cecil | Auto Owners | $37 | -37% | $-34 |
| Cedar Springs | Geico | $32 | -43% | $-42 |
| Cedartown | Geico | $39 | -37% | $-40 |
| Centerville | Geico | $41 | -33% | $-35 |
| Chatsworth | Geico | $35 | -37% | $-35 |
| Chattanooga Valley | Geico | $35 | -38% | $-36 |
| Chauncey | Geico | $36 | -35% | $-33 |
| Cherry Log | Geico | $36 | -36% | $-35 |
| Chester | Geico | $36 | -34% | $-32 |
| Chestnut Mountain | Geico | $36 | -39% | $-40 |
| Chickamauga | Auto Owners | $37 | -37% | $-35 |
| Chula | Progressive | $41 | -28% | $-25 |
| Cisco | Geico | $35 | -39% | $-39 |
| Clarkdale | Auto Owners | $55 | -37% | $-51 |
| Clarkesville | Geico | $34 | -36% | $-34 |
| Clarkston | Auto Owners | $62 | -43% | $-76 |
| Claxton | Geico | $35 | -36% | $-34 |
| Clayton | Geico | $35 | -36% | $-33 |
| Clermont | Geico | $37 | -34% | $-33 |
| Cleveland | Geico | $35 | -38% | $-37 |
| Climax | Geico | $32 | -40% | $-37 |
| Clinchfield | Geico | $35 | -41% | $-42 |
| Clyo | Geico | $40 | -36% | $-38 |
| Cobb | Auto Owners | $42 | -30% | $-28 |
| Cobbtown | Geico | $35 | -36% | $-34 |
| Cochran | Geico | $36 | -34% | $-32 |
| Cohutta | Geico | $35 | -38% | $-37 |
| Colbert | Geico | $35 | -40% | $-40 |
| Coleman | Auto Owners | $41 | -29% | $-27 |
| College Park | Auto Owners | $62 | -39% | $-64 |
| Collins | Geico | $35 | -35% | $-33 |
| Colquitt | Geico | $32 | -40% | $-36 |
| Comer | Geico | $32 | -43% | $-42 |
| Commerce | Geico | $36 | -39% | $-39 |
| Concord | Geico | $40 | -33% | $-35 |
| Conley | Auto Owners | $61 | -36% | $-54 |
| Coolidge | Geico | $34 | -36% | $-32 |
| Coosa | Geico | $36 | -49% | $-59 |
| Cordele | Geico | $38 | -30% | $-27 |
| Cornelia | Geico | $34 | -38% | $-35 |
| Cotton | Geico | $35 | -35% | $-33 |
| Covington | Auto Owners | $54 | -33% | $-42 |
| Crandall | Geico | $35 | -38% | $-37 |
| Crawford | Geico | $36 | -39% | $-38 |
| Crawfordville | Geico | $32 | -41% | $-37 |
| Crescent | Geico | $35 | -42% | $-43 |
| Culloden | Auto Owners | $46 | -33% | $-35 |
| Cumming | Geico | $37 | -43% | $-49 |
| Cusseta | Geico | $38 | -40% | $-43 |
| Cuthbert | Auto Owners | $39 | -30% | $-27 |
| Dacula | Geico | $45 | -40% | $-51 |
| Dahlonega | Geico | $37 | -37% | $-37 |
| Daisy | Geico | $35 | -39% | $-39 |
| Dallas | Auto Owners | $50 | -36% | $-45 |
| Damascus | Geico | $32 | -39% | $-35 |
| Danielsville | Geico | $34 | -40% | $-39 |
| Danville | Auto Owners | $44 | -31% | $-32 |
| Darien | Geico | $33 | -42% | $-41 |
| Davisboro | Geico | $37 | -34% | $-33 |
| Dawson | Progressive | $42 | -29% | $-26 |
| Dawsonville | Geico | $37 | -38% | $-39 |
| Dearing | Geico | $30 | -44% | $-40 |
| Demorest | Geico | $34 | -38% | $-36 |
| Denton | Geico | $39 | -32% | $-31 |
| De Soto | Auto Owners | $42 | -28% | $-27 |
| Dewy Rose | Geico | $32 | -39% | $-36 |
| Dexter | Geico | $36 | -38% | $-38 |
| Dixie | Geico | $34 | -36% | $-33 |
| Doerun | Geico | $35 | -35% | $-32 |
| Donalsonville | Geico | $33 | -36% | $-32 |
| Douglas | Geico | $35 | -35% | $-32 |
| Dover | Geico | $40 | -34% | $-35 |
| Druid Hills | Geico | $41 | -45% | $-58 |
| Dry Branch | Auto Owners | $46 | -39% | $-48 |
| Dublin | Geico | $36 | -38% | $-39 |
| Dudley | Geico | $36 | -38% | $-39 |
| Du Pont | Geico | $32 | -38% | $-33 |
| Eastanollee | Geico | $32 | -44% | $-44 |
| East Dublin | Geico | $36 | -37% | $-37 |
| Eastman | Geico | $36 | -33% | $-31 |
| East Point | Auto Owners | $64 | -39% | $-66 |
| Eatonton | Geico | $35 | -40% | $-40 |
| Eden | Geico | $37 | -41% | $-44 |
| Edison | Auto Owners | $40 | -31% | $-29 |
| Elberton | Geico | $32 | -37% | $-33 |
| Elko | Geico | $35 | -39% | $-39 |
| Ellabell | Geico | $37 | -42% | $-46 |
| Ellaville | Auto Owners | $43 | -32% | $-32 |
| Ellenton | Geico | $35 | -37% | $-35 |
| Ellenwood | Auto Owners | $63 | -37% | $-58 |
| Ellerslie | Geico | $37 | -36% | $-36 |
| Ellijay | Geico | $36 | -37% | $-37 |
| Emerson | Auto Owners | $46 | -34% | $-38 |
| Enigma | Geico | $35 | -33% | $-30 |
| Epworth | Geico | $36 | -35% | $-34 |
| Esom Hill | Geico | $39 | -40% | $-46 |
| Eton | Geico | $35 | -41% | $-41 |
| Evans | Geico | $32 | -47% | $-48 |
| Fairburn | Geico | $51 | -42% | $-62 |
| Fairmount | Geico | $36 | -37% | $-37 |
| Fargo | Geico | $31 | -38% | $-33 |
| Farmington | Geico | $33 | -44% | $-45 |
| Felton | Auto Owners | $46 | -31% | $-33 |
| Fitzgerald | Geico | $35 | -32% | $-28 |
| Fleming | Geico | $37 | -37% | $-37 |
| Flovilla | Auto Owners | $48 | -32% | $-36 |
| Flowery Branch | Geico | $36 | -39% | $-39 |
| Folkston | Geico | $33 | -39% | $-36 |
| Forest Park | Auto Owners | $61 | -37% | $-59 |
| Forsyth | Geico | $41 | -35% | $-38 |
| Fort Gaines | Auto Owners | $39 | -31% | $-29 |
| Fort Oglethorpe | Geico | $35 | -37% | $-36 |
| Fortson | Geico | $37 | -39% | $-42 |
| Fort Stewart | Geico | $37 | -39% | $-41 |
| Fort Valley | Geico | $37 | -36% | $-36 |
| Fowlstown | Geico | $32 | -40% | $-37 |
| Franklin | Geico | $39 | -37% | $-39 |
| Franklin Springs | Geico | $32 | -46% | $-47 |
| Garden City | Geico | $39 | -45% | $-55 |
| Garfield | Geico | $37 | -39% | $-41 |
| Gay | Geico | $42 | -35% | $-38 |
| Geneva | Auto Owners | $45 | -32% | $-34 |
| Georgetown | Progressive | $43 | -32% | $-30 |
| Gibson | Geico | $32 | -43% | $-41 |
| Gillsville | Geico | $36 | -38% | $-38 |
| Girard | Geico | $41 | -35% | $-37 |
| Glenn | Geico | $41 | -36% | $-40 |
| Glennville | Geico | $35 | -37% | $-36 |
| Glenwood | Geico | $37 | -33% | $-32 |
| Good Hope | Auto Owners | $45 | -35% | $-39 |
| Gordon | Geico | $36 | -44% | $-49 |
| Gough | Geico | $32 | -45% | $-46 |
| Gracewood | Auto Owners | $42 | -37% | $-40 |
| Grantville | Geico | $42 | -32% | $-34 |
| Gray | Auto Owners | $47 | -35% | $-40 |
| Grayson | Auto Owners | $56 | -36% | $-50 |
| Graysville | Geico | $35 | -39% | $-39 |
| Greensboro | Geico | $32 | -43% | $-41 |
| Greenville | Geico | $42 | -31% | $-32 |
| Grovetown | Geico | $32 | -46% | $-46 |
| Guyton | Geico | $34 | -44% | $-47 |
| Haddock | Auto Owners | $48 | -33% | $-37 |
| Hagan | Geico | $35 | -39% | $-39 |
| Hahira | Geico | $30 | -40% | $-35 |
| Hamilton | Auto Owners | $45 | -29% | $-30 |
| Hampton | Auto Owners | $53 | -38% | $-52 |
| Haralson | Geico | $38 | -41% | $-46 |
| Harlem | Geico | $30 | -48% | $-46 |
| Harrison | Geico | $37 | -37% | $-38 |
| Hartsfield | Geico | $35 | -34% | $-32 |
| Hartwell | Geico | $32 | -39% | $-36 |
| Hawkinsville | Auto Owners | $41 | -28% | $-26 |
| Hazlehurst | Geico | $36 | -36% | $-35 |
| Helen | Geico | $36 | -36% | $-34 |
| Helena | Geico | $37 | -35% | $-34 |
| Hiawassee | Geico | $35 | -34% | $-31 |
| High Shoals | Auto Owners | $44 | -34% | $-36 |
| Hillsboro | Geico | $44 | -30% | $-33 |
| Hiram | Auto Owners | $52 | -36% | $-47 |
| Hoboken | Geico | $34 | -39% | $-37 |
| Hogansville | Auto Owners | $44 | -33% | $-35 |
| Homer | Geico | $35 | -38% | $-37 |
| Homerville | Geico | $35 | -31% | $-27 |
| Hortense | Geico | $33 | -40% | $-38 |
| Hoschton | Geico | $36 | -42% | $-46 |
| Howard | Auto Owners | $47 | -31% | $-34 |
| Hull | Geico | $35 | -41% | $-42 |
| Ideal | Auto Owners | $45 | -28% | $-28 |
| Ila | Geico | $34 | -44% | $-47 |
| Iron City | Geico | $32 | -39% | $-35 |
| Irwinton | Geico | $36 | -40% | $-41 |
| Jackson | Geico | $44 | -33% | $-38 |
| Jacksonville | Geico | $39 | -31% | $-31 |
| Jakin | Geico | $32 | -39% | $-35 |
| Jasper | Geico | $36 | -40% | $-41 |
| Jefferson | Geico | $36 | -40% | $-42 |
| Jeffersonville | Auto Owners | $46 | -32% | $-34 |
| Jekyll Island | Geico | $32 | -41% | $-39 |
| Jenkinsburg | Geico | $44 | -35% | $-40 |
| Jersey | Auto Owners | $56 | -31% | $-41 |
| Jesup | Geico | $34 | -41% | $-41 |
| Jewell | Geico | $32 | -42% | $-39 |
| Jonesboro | Auto Owners | $59 | -39% | $-61 |
| Juliette | Auto Owners | $47 | -32% | $-35 |
| Junction City | Auto Owners | $46 | -31% | $-33 |
| Kathleen | Geico | $36 | -37% | $-37 |
| Keysville | Geico | $32 | -46% | $-47 |
| Kings Bay Base | Geico | $32 | -40% | $-37 |
| Kingsland | Geico | $32 | -41% | $-39 |
| Kingston | Auto Owners | $47 | -31% | $-34 |
| Kite | Geico | $35 | -40% | $-40 |
| Knoxville | Auto Owners | $44 | -30% | $-30 |
| LaFayette | Geico | $35 | -38% | $-36 |
| Lagrange | Geico | $39 | -35% | $-36 |
| Lakeland | Geico | $32 | -38% | $-33 |
| Lakemont | Geico | $35 | -35% | $-32 |
| Lake Park | Geico | $29 | -41% | $-35 |
| Lavonia | Geico | $34 | -36% | $-34 |
| Leary | Auto Owners | $42 | -31% | $-29 |
| Lebanon | Geico | $36 | -47% | $-54 |
| Leesburg | Geico | $36 | -35% | $-33 |
| Lenox | Geico | $35 | -30% | $-26 |
| Leslie | Auto Owners | $42 | -28% | $-26 |
| Lexington | Geico | $34 | -38% | $-36 |
| Lilburn | Auto Owners | $56 | -37% | $-53 |
| Lilly | Auto Owners | $44 | -31% | $-32 |
| Lincolnton | Geico | $32 | -43% | $-41 |
| Lindale | Geico | $40 | -36% | $-39 |
| Lithia Springs | Auto Owners | $55 | -38% | $-54 |
| Lithonia | Auto Owners | $64 | -41% | $-70 |
| Lizella | Geico | $42 | -38% | $-43 |
| Locust Grove | Auto Owners | $51 | -38% | $-50 |
| Loganville | Central Insurance | $54 | -31% | $-40 |
| Lookout Mountain | Geico | $35 | -38% | $-37 |
| Louisville | Geico | $32 | -43% | $-42 |
| Louvale | Progressive | $43 | -35% | $-35 |
| Ludowici | Auto Owners | $41 | -38% | $-39 |
| Lula | Geico | $37 | -34% | $-33 |
| Lumber City | Geico | $36 | -37% | $-36 |
| Lumpkin | Auto Owners | $41 | -32% | $-31 |
| Luthersville | Auto Owners | $44 | -32% | $-34 |
| Lyerly | Geico | $36 | -42% | $-45 |
| Lyons | Geico | $36 | -34% | $-33 |
| Mableton | Auto Owners | $55 | -37% | $-52 |
| Macon | Geico | $48 | -37% | $-49 |
| Madison | Geico | $35 | -40% | $-39 |
| Manassas | Geico | $35 | -36% | $-33 |
| Manchester | Geico | $40 | -34% | $-36 |
| Manor | Geico | $35 | -34% | $-30 |
| Mansfield | Auto Owners | $51 | -29% | $-34 |
| Marble Hill | Geico | $35 | -42% | $-44 |
| Marshallville | Geico | $35 | -37% | $-36 |
| Martin | Geico | $36 | -37% | $-36 |
| Martinez | Geico | $36 | -40% | $-40 |
| Matthews | Geico | $32 | -44% | $-44 |
| Mauk | Auto Owners | $44 | -31% | $-32 |
| Maxeys | Geico | $34 | -42% | $-43 |
| Maysville | Geico | $37 | -37% | $-37 |
| McCaysville | Geico | $36 | -34% | $-33 |
| Mcdonough | Auto Owners | $66 | -36% | $-56 |
| Mc Intyre | Auto Owners | $47 | -30% | $-33 |
| McRae | Geico | $37 | -34% | $-33 |
| Meansville | Geico | $40 | -33% | $-34 |
| Meigs | Geico | $34 | -36% | $-34 |
| Meldrim | Geico | $39 | -38% | $-41 |
| Menlo | Geico | $36 | -40% | $-42 |
| Meridian | Geico | $35 | -42% | $-44 |
| Mershon | Geico | $34 | -39% | $-37 |
| Mesena | Geico | $30 | -48% | $-48 |
| Metter | Geico | $35 | -36% | $-34 |
| Midville | Geico | $35 | -40% | $-41 |
| Midway | Geico | $34 | -43% | $-45 |
| Milan | Auto Owners | $42 | -30% | $-28 |
| Milledgeville | Auto Owners | $46 | -35% | $-39 |
| Millen | Progressive | $46 | -32% | $-33 |
| Millwood | Geico | $35 | -35% | $-32 |
| Milner | Geico | $40 | -37% | $-41 |
| Mineral Bluff | Geico | $36 | -34% | $-32 |
| Mitchell | Geico | $32 | -44% | $-43 |
| Molena | Geico | $40 | -33% | $-33 |
| Monroe | Auto Owners | $50 | -32% | $-37 |
| Montezuma | Auto Owners | $42 | -29% | $-28 |
| Monticello | Geico | $46 | -29% | $-32 |
| Montrose | Geico | $36 | -38% | $-38 |
| Moody AFB | Geico | $29 | -42% | $-36 |
| Moreland | Auto Owners | $44 | -32% | $-34 |
| Morgan | Auto Owners | $40 | -31% | $-29 |
| Morganton | Geico | $36 | -34% | $-31 |
| Morris | Progressive | $43 | -32% | $-30 |
| Morrow | Auto Owners | $63 | -35% | $-55 |
| Morven | Geico | $32 | -39% | $-35 |
| Moultrie | Geico | $35 | -35% | $-32 |
| Mountain City | Geico | $35 | -39% | $-38 |
| Mount Airy | Geico | $34 | -37% | $-34 |
| Mount Berry | Geico | $36 | -43% | $-47 |
| Mount Vernon | Geico | $37 | -32% | $-30 |
| Murrayville | Geico | $37 | -35% | $-34 |
| Musella | Geico | $42 | -34% | $-36 |
| Mystic | Geico | $35 | -37% | $-35 |
| Nahunta | Geico | $34 | -38% | $-36 |
| Nashville | Geico | $35 | -32% | $-28 |
| Naylor | Geico | $32 | -37% | $-32 |
| Nelson | Geico | $36 | -45% | $-51 |
| Newborn | Auto Owners | $49 | -30% | $-33 |
| Newington | Auto Owners | $46 | -32% | $-35 |
| Newington | Geico | $43 | -32% | $-35 |
| Newton | Progressive | $44 | -33% | $-33 |
| Nicholls | Geico | $35 | -35% | $-32 |
| Nicholson | Geico | $35 | -40% | $-40 |
| Norcross | Auto Owners | $52 | -38% | $-52 |
| Norman Park | Geico | $35 | -34% | $-31 |
| Norristown | Geico | $37 | -39% | $-42 |
| North Atlanta | Geico | $40 | -48% | $-64 |
| North Decatur | Geico | $43 | -47% | $-66 |
| North Metro | Auto Owners | $51 | -35% | $-43 |
| Norwood | Geico | $32 | -43% | $-41 |
| Nunez | Geico | $37 | -39% | $-41 |
| Oakfield | Auto Owners | $43 | -29% | $-28 |
| Oakman | Geico | $36 | -41% | $-42 |
| Oakwood | Geico | $37 | -38% | $-39 |
| Ochlocknee | Geico | $34 | -35% | $-31 |
| Ocilla | Geico | $35 | -31% | $-27 |
| Oconee | Geico | $36 | -44% | $-48 |
| Odum | Geico | $35 | -39% | $-39 |
| Offerman | Geico | $33 | -42% | $-41 |
| Oglethorpe | Auto Owners | $44 | -27% | $-26 |
| Oliver | Geico | $40 | -39% | $-44 |
| Omaha | Progressive | $43 | -33% | $-32 |
| Omega | Geico | $36 | -30% | $-27 |
| Orchard Hill | Geico | $40 | -42% | $-50 |
| Oxford | Auto Owners | $54 | -30% | $-37 |
| Palmetto | Geico | $36 | -54% | $-72 |
| Parrott | Auto Owners | $42 | -27% | $-25 |
| Patterson | Geico | $33 | -40% | $-38 |
| Pavo | Geico | $34 | -36% | $-32 |
| Pearson | Geico | $35 | -35% | $-32 |
| Pelham | Geico | $35 | -33% | $-30 |
| Pembroke | Geico | $36 | -40% | $-41 |
| Pendergrass | Geico | $37 | -39% | $-40 |
| Perkins | Geico | $41 | -33% | $-34 |
| Perry | Geico | $35 | -39% | $-39 |
| Pinehurst | Auto Owners | $44 | -25% | $-24 |
| Pine Lake | Auto Owners | $60 | -37% | $-57 |
| Pine Mountain | Auto Owners | $43 | -30% | $-30 |
| Pine Mountain Valley | Auto Owners | $44 | -30% | $-30 |
| Pineview | Auto Owners | $42 | -28% | $-27 |
| Pitts | Auto Owners | $40 | -29% | $-26 |
| Plains | Auto Owners | $42 | -28% | $-26 |
| Plainville | Auto Owners | $42 | -32% | $-32 |
| Portal | Geico | $35 | -40% | $-39 |
| Porterdale | Auto Owners | $54 | -31% | $-39 |
| Poulan | Geico | $35 | -32% | $-29 |
| Powder Springs | Auto Owners | $53 | -41% | $-59 |
| Pulaski | Geico | $35 | -42% | $-43 |
| Quitman | Geico | $32 | -37% | $-32 |
| Rabun Gap | Geico | $35 | -35% | $-33 |
| Ranger | Geico | $36 | -37% | $-37 |
| Raoul | Geico | $37 | -36% | $-36 |
| Ray City | Geico | $30 | -42% | $-38 |
| Rayle | Geico | $34 | -39% | $-37 |
| Rebecca | Auto Owners | $41 | -26% | $-24 |
| Red Oak | Central Insurance | $48 | -46% | $-67 |
| Register | Geico | $35 | -39% | $-38 |
| Reidsville | Geico | $35 | -35% | $-32 |
| Rentz | Geico | $36 | -38% | $-38 |
| Resaca | Auto Owners | $42 | -30% | $-29 |
| Rex | Auto Owners | $62 | -34% | $-51 |
| Reynolds | Auto Owners | $45 | -28% | $-28 |
| Rhine | Geico | $39 | -27% | $-26 |
| Riceboro | Geico | $38 | -34% | $-35 |
| Richland | Progressive | $43 | -32% | $-31 |
| Richmond Hill | Geico | $34 | -47% | $-51 |
| Rincon | Geico | $38 | -39% | $-42 |
| Ringgold | Auto Owners | $37 | -38% | $-37 |
| Rising Fawn | Geico | $36 | -37% | $-37 |
| Riverdale | Auto Owners | $62 | -38% | $-61 |
| Roberta | Auto Owners | $46 | -27% | $-28 |
| Rochelle | Auto Owners | $40 | -30% | $-28 |
| Rockledge | Geico | $36 | -38% | $-38 |
| Rockmart | Auto Owners | $48 | -34% | $-39 |
| Rock Spring | Geico | $34 | -39% | $-38 |
| Rocky Face | Geico | $35 | -38% | $-37 |
| Rocky Ford | Progressive | $46 | -33% | $-34 |
| Roopville | Geico | $37 | -42% | $-45 |
| Rossville | Auto Owners | $36 | -40% | $-38 |
| Royston | Geico | $32 | -40% | $-38 |
| Rupert | Auto Owners | $44 | -30% | $-31 |
| Rutledge | Auto Owners | $46 | -29% | $-30 |
| Rydal | Geico | $37 | -40% | $-42 |
| Sale City | Geico | $35 | -35% | $-33 |
| Sandersville | Geico | $36 | -37% | $-36 |
| Sapelo Island | Geico | $35 | -41% | $-42 |
| Sardis | Geico | $41 | -32% | $-34 |
| Sargent | Geico | $41 | -43% | $-53 |
| Sasser | Progressive | $42 | -33% | $-33 |
| Sautee Nacoochee | Geico | $35 | -36% | $-34 |
| Scotland | Geico | $37 | -39% | $-41 |
| Scottdale | Auto Owners | $60 | -43% | $-71 |
| Screven | Geico | $35 | -38% | $-37 |
| Sea Island | Geico | $32 | -41% | $-39 |
| Senoia | Geico | $38 | -36% | $-37 |
| Seville | Auto Owners | $40 | -35% | $-35 |
| Shady Dale | Auto Owners | $47 | -31% | $-34 |
| Sharon | Geico | $32 | -47% | $-48 |
| Sharpsburg | Auto Owners | $43 | -38% | $-42 |
| Shellman | Auto Owners | $41 | -30% | $-27 |
| Shiloh | Auto Owners | $43 | -33% | $-34 |
| Siloam | Geico | $32 | -47% | $-49 |
| Silver Creek | Geico | $40 | -36% | $-38 |
| Skidaway Island | Geico | $39 | -41% | $-47 |
| Sky Valley | Geico | $35 | -37% | $-35 |
| Smarr | Auto Owners | $46 | -32% | $-35 |
| Smithville | Auto Owners | $42 | -27% | $-26 |
| Social Circle | Auto Owners | $49 | -32% | $-37 |
| Soperton | Geico | $39 | -31% | $-31 |
| Sparks | Geico | $35 | -31% | $-27 |
| Sparta | Auto Owners | $44 | -30% | $-31 |
| Springfield | Geico | $38 | -38% | $-39 |
| Stapleton | Geico | $32 | -43% | $-41 |
| Statenville | Geico | $31 | -39% | $-34 |
| Statham | Geico | $37 | -43% | $-48 |
| Stephens | Geico | $34 | -38% | $-36 |
| St. George | Geico | $35 | -41% | $-40 |
| Stillmore | Geico | $38 | -37% | $-38 |
| St. Marys | Geico | $32 | -40% | $-37 |
| Stockton | Geico | $32 | -38% | $-33 |
| Stone Mountain | Auto Owners | $58 | -44% | $-73 |
| St. Simons | Geico | $32 | -40% | $-38 |
| Suches | Geico | $36 | -36% | $-35 |
| Sugar Valley | Geico | $36 | -35% | $-33 |
| Summerville | Geico | $37 | -35% | $-34 |
| Sumner | Geico | $35 | -35% | $-33 |
| Sunny Side | Geico | $40 | -44% | $-54 |
| Surrency | Geico | $35 | -37% | $-36 |
| Swainsboro | Geico | $37 | -37% | $-38 |
| Sycamore | Geico | $36 | -32% | $-29 |
| Sylvania | Auto Owners | $44 | -34% | $-37 |
| Sylvester | Geico | $35 | -35% | $-33 |
| Talbotton | Auto Owners | $44 | -31% | $-31 |
| Talking Rock | Geico | $36 | -39% | $-39 |
| Tallapoosa | Geico | $37 | -40% | $-42 |
| Tallulah Falls | Geico | $35 | -40% | $-41 |
| Talmo | Geico | $36 | -41% | $-42 |
| Tarrytown | Geico | $37 | -33% | $-31 |
| Tate | Geico | $36 | -41% | $-42 |
| Taylorsville | Auto Owners | $47 | -32% | $-36 |
| Temple | Auto Owners | $48 | -37% | $-44 |
| Tennga | Geico | $35 | -38% | $-37 |
| Tennille | Geico | $36 | -37% | $-36 |
| The Rock | Geico | $42 | -32% | $-34 |
| Thomaston | Geico | $40 | -35% | $-38 |
| Thomasville | Geico | $32 | -39% | $-35 |
| Thomson | Geico | $30 | -44% | $-40 |
| Tifton | Auto Owners | $39 | -31% | $-28 |
| Tiger | Geico | $35 | -35% | $-32 |
| Tignall | Geico | $34 | -38% | $-36 |
| Toccoa | Geico | $35 | -37% | $-36 |
| Toccoa Falls | Geico | $35 | -41% | $-42 |
| Toomsboro | Geico | $36 | -38% | $-39 |
| Townsend | Geico | $35 | -40% | $-40 |
| Trenton | Geico | $36 | -38% | $-38 |
| Trion | Geico | $37 | -38% | $-39 |
| Tucker | Auto Owners | $57 | -38% | $-57 |
| Tunnel Hill | Geico | $34 | -40% | $-39 |
| Turin | Geico | $38 | -43% | $-50 |
| Turnerville | Geico | $34 | -38% | $-37 |
| Twin City | Geico | $38 | -34% | $-33 |
| Tybee Island | Geico | $39 | -41% | $-46 |
| Tyrone | Auto Owners | $48 | -36% | $-43 |
| Ty Ty | Geico | $38 | -28% | $-25 |
| Unadilla | Auto Owners | $42 | -27% | $-25 |
| Union Point | Geico | $34 | -37% | $-34 |
| Upatoi | Geico | $36 | -42% | $-45 |
| Uvalda | Geico | $36 | -34% | $-32 |
| Varnell | Geico | $35 | -40% | $-40 |
| Vidalia | Geico | $36 | -35% | $-33 |
| Vienna | Auto Owners | $43 | -26% | $-24 |
| Villa Rica | Auto Owners | $50 | -34% | $-41 |
| Vinings | Geico | $42 | -45% | $-58 |
| Waco | Geico | $37 | -43% | $-47 |
| Wadley | Geico | $35 | -38% | $-37 |
| Waleska | Geico | $50 | -37% | $-53 |
| Walthourville | Geico | $37 | -38% | $-39 |
| Waresboro | Geico | $35 | -37% | $-35 |
| Warm Springs | Auto Owners | $42 | -33% | $-33 |
| Warrenton | Geico | $32 | -40% | $-37 |
| Warthen | Geico | $37 | -34% | $-34 |
| Warwick | Auto Owners | $42 | -28% | $-26 |
| Washington | Geico | $32 | -42% | $-40 |
| Watkinsville | Geico | $33 | -40% | $-38 |
| Waverly | Geico | $34 | -38% | $-36 |
| Waverly Hall | Auto Owners | $42 | -33% | $-33 |
| Waycross | Geico | $34 | -36% | $-32 |
| Waynesboro | Geico | $38 | -38% | $-40 |
| Waynesville | Geico | $34 | -42% | $-41 |
| Webster County | Auto Owners | $42 | -27% | $-26 |
| West Green | Geico | $35 | -34% | $-31 |
| Weston | Auto Owners | $42 | -26% | $-24 |
| West Point | Geico | $39 | -34% | $-35 |
| Whigham | Geico | $32 | -40% | $-36 |
| White | Geico | $37 | -42% | $-45 |
| White Oak | Geico | $34 | -38% | $-36 |
| White Plains | Geico | $32 | -45% | $-45 |
| Whitesburg | Geico | $38 | -47% | $-56 |
| Wildwood | Geico | $35 | -38% | $-37 |
| Wiley | Geico | $35 | -38% | $-36 |
| Willacoochee | Geico | $35 | -34% | $-31 |
| Williamson | Geico | $40 | -34% | $-36 |
| Wilmington Island | Geico | $39 | -42% | $-48 |
| Winder | Geico | $46 | -34% | $-41 |
| Winston | Auto Owners | $52 | -37% | $-48 |
| Winterville | Geico | $34 | -40% | $-38 |
| Woodbine | Geico | $32 | -40% | $-37 |
| Woodbury | Geico | $40 | -32% | $-33 |
| Woodland | Auto Owners | $43 | -30% | $-30 |
| Wray | Geico | $35 | -34% | $-30 |
| Wrens | Geico | $32 | -44% | $-44 |
| Wrightsville | Geico | $37 | -36% | $-36 |
| Yatesville | Auto Owners | $48 | -29% | $-31 |
| Young Harris | Geico | $36 | -34% | $-31 |
| Zebulon | Geico | $40 | -34% | $-35 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Georgia By Driver Age Group
We analyzed car insurance rates across Georgia for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Auto-Owners, starting at $117 per month
- Adult drivers find the best deals with GEICO, with rates from $42 per month
- Senior drivers see the most affordable coverage through GEICO, beginning at $49 per month
Cheapest Car Insurance For Young Drivers in Georgia
Young drivers in Georgia get their best rates from Auto-Owners. Minimum coverage costs $117 per month, saving drivers 46% compared to other providers. Auto-Owners also leads for full coverage at $224 monthly, saving young drivers 41%.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $324 | $3,893 | -62% | $-6,253 |
| Auto Owners | $558 | $6,701 | -34% | $-3,446 |
| Geico | $575 | $6,903 | -32% | $-3,244 |
| Country Financial | $317 | $3,809 | -62% | $-6,338 |
| Safeway Insurance | $513 | $6,158 | -39% | $-3,988 |
Cheapest Car Insurance For Adult Drivers in Georgia
GEICO offers Georgia's lowest rates for adult drivers: $42 monthly for minimum coverage and $101 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $168 | $2,014 | -43% | $-1,528 |
| Auto Owners | $250 | $3,000 | -15% | $-542 |
| Geico | $210 | $2,521 | -29% | $-1,021 |
| Safeway Insurance | $177 | $2,128 | -40% | $-1,414 |
| Country Financial | $164 | $1,962 | -45% | $-1,580 |
Cheapest Car Insurance For Senior Drivers in Georgia
GEICO offers Georgia seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,369 annually, while minimum coverage runs $583 per year.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Central Insurance | $270 | $3,236 | -35% | $-1,735 |
| Geico | $237 | $2,844 | -43% | $-2,127 |
| Auto Owners | $371 | $4,457 | -10% | $-514 |
| Country Financial | $183 | $2,201 | -56% | $-2,770 |
| Safeway Insurance | $294 | $3,525 | -29% | $-1,445 |
Cheapest Car Insurance For High-Risk Drivers in Georgia
Our review focused on five driver profiles that insurers in Georgia often classify as high-risk: poor credit, DUI convictions, at-fault accidents, speeding tickets and texting while driving.
The data below highlights which providers deliver the most affordable rates for each group:
- Cheapest for Bad Credit: Safeway (From $85/mo)
- Cheapest With a DUI: Auto-Owners (From $88/mo)
- Cheapest With an Accident: Central Insurance (From $57/mo)
- Cheapest With a Speeding Ticket: Auto-Owners (From $48/mo)
- Cheapest With a Texting While Driving Violation: Auto Owners (From $46/mo)
Cheapest Car Insurance For Bad Credit in Georgia
Safeway offers Georgia drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,020 for minimum coverage and $2,028 for full coverage policies.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Central Insurance | $83 | $990 | -38% | $-609 |
| Auto Owners | $116 | $1,391 | -13% | $-209 |
| Geico | $85 | $1,020 | -36% | $-579 |
| Safeway Insurance | $88 | $1,051 | -34% | $-549 |
| Country Financial | $95 | $1,146 | -28% | $-454 |
Cheapest Car Insurance With a DUI in Georgia
Auto-Owners ranks as the most affordable option for Georgia drivers with DUIs, offering annual rates of $1,128. Progressive provides the next best value with premiums of $1,147 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $94 | $1,128 | -39% | $-715 |
| Progressive | $96 | $1,147 | -38% | $-697 |
| Allstate | $121 | $1,452 | -21% | $-392 |
| State Farm | $111 | $1,338 | -27% | $-506 |
| Country Financial | $115 | $1,377 | -25% | $-467 |
Cheapest Car Insurance With an Accident in Georgia
Georgia drivers with an accident on their record can find the most affordable coverage through Central at $59 per month ($711 annually).
Data filtered by:Results filtered by:
Select
Age Group :Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Central Insurance | $59 | $711 | -48% | $-658 |
| Auto Owners | $69 | $826 | -40% | $-544 |
| Geico | $62 | $749 | -45% | $-620 |
| Donegal Insurance | $98 | $1,175 | -14% | $-195 |
| Country Financial | $113 | $1,360 | -1% | $-9 |
Cheapest Car Insurance With an Speeding Ticket
Georgia drivers with speeding tickets can find the lowest rates through Auto-Owners. The provider offers minimum coverage at $617 per year, while full coverage costs $1,380 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $51 | $617 | -47% | $-550 |
| Geico | $50 | $595 | -49% | $-571 |
| Progressive | $77 | $923 | -21% | $-243 |
| Central Insurance | $80 | $960 | -18% | $-207 |
| Donegal Insurance | $98 | $1,175 | 1% | $8 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in Georgia with texting while driving violation can get the most affordable car insurance rates with Auto Owners. It offers minimum coverage at $547 per year. Auto Owners provide the cheapest available rate for full coverage policy at $1,201 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Auto Owners | $46 | $547 | -53% | $-610 |
| Geico | $50 | $595 | -49% | $-561 |
| Central Insurance | $74 | $893 | -23% | $-264 |
| Progressive | $79 | $949 | -18% | $-207 |
| Donegal Insurance | $98 | $1,175 | 2% | $19 |
How to Get the Cheapest Car Insurance in Georgia
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.
- 1
Compare rates from both national and regional carriers
Georgia’s insurance market is competitive. Smaller regional carriers and farm bureaus sometimes undercut national brands, especially outside Atlanta.
- 2
Know the minimum coverage requirements
Georgia law requires 25/50/25 liability ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). You must also carry proof of insurance through the Georgia Electronic Insurance Compliance System.
- 3
Bundle policies
Bundling auto with home or renters insurance is one of the most reliable ways to save, particularly for homeowners in metro Atlanta and Savannah.
- 4
Enroll in safe-driver or telematics programs
Many Georgia insurers offer discounts for low-mileage, safe driving, or using telematics apps that track driving behavior.
- 5
Tailor coverage to your location
In rural Georgia, liability-only coverage may be sufficient if you drive an older car. In urban centers like Atlanta, where accidents and thefts are more common, comprehensive and collision are worth the added cost.
- 6
Improve your driver profile
A higher credit score and a clean driving record can unlock major savings. Georgia allows insurers to use credit-based insurance scores in pricing.
- 7
Use the Georgia Automobile Insurance Plan (GAIP) if needed
If you can’t get coverage in the open market due to risk factors, GAIP provides last-resort access to liability coverage.
Risks of Getting the Cheapest Car Insurance in Georgia
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. 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.
Vehicle repairs won’t be covered if you’re at fault
Without collision coverage, you'll pay all repair costs if you cause an accident. In Georgia, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. With new vehicles averaging over $40,000, the $25,000 property damage cap often falls short. One serious accident could leave you paying thousands out of pocket.
Weather risks make storm damage your responsibility
Georgia faces hurricanes on the coast and tornadoes inland, plus frequent hailstorms. Data from the National Centers for Environmental Information shows significant storm-related auto damage in 2023. Since flood, wind, and hail are only covered under comprehensive insurance, minimum coverage means you’re on the hook for these losses.
Medical bills can exceed state minimums
Georgia’s $25,000 per-person bodily injury minimum is dangerously low. Average bodily injury claims reached $22,734 in 2023, nearly maxing out the minimum. In Atlanta, where congestion and crashes are among the worst in the Southeast, claims can easily surpass this limit. Upgrading to at least 50/100/50 offers better protection against rising hospital bills.
Uninsured drivers create added financial risk
Roughly 12.4% of Georgia drivers are uninsured. If one hits you and you don’t carry uninsured motorist (UM/UIM) coverage, you’ll likely pay your own expenses. Lawsuits rarely recover damages from uninsured drivers. Adding UM/UIM coverage shields you in these common scenarios.
Auto theft and vandalism losses aren’t covered
Georgia ranks among the top 15 states for vehicle theft, with Atlanta particularly high-risk. The National Insurance Crime Bureau reports that the average theft claim exceeds $9,000. Minimum coverage offers no protection here. Comprehensive insurance is the only way to cover theft or vandalism.
Minimum Coverage Requirements in Georgia
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.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Cheap Car Insurance in Georgia: Bottom Line
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.
Cheap Car Insurance in Georgia: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Georgia.
What are the cheapest car insurance companies in Georgia?
GEICO leads Georgia's insurance market with annual rates of $482 for minimum coverage and $1,218 for full coverage. Auto-Owners, Central, Progressive and Mercury Insurance also provide competitive rates.
Who has the cheapest car insurance rates for young drivers in Georgia?
Auto Owners provides the best rates for young drivers in Georgia, with monthly premiums averaging $117.
Who offers the cheapest car insurance rates for seniors in Georgia?
Senior drivers in Georgia can find excellent rates with GEICO, which offers policies for those aged 65 and up starting at $49 per month.
Who has the cheapest car insurance in Georgia for bad credit?
Safeway provides the lowest rates for bad-credit drivers in Georgia, with monthly premiums averaging $85 for minimum coverage and $143 for full coverage.
Who has the cheapest car insurance in Georgia with an accident?
Central Insurance offers the lowest rates for drivers with accident records in Georgia, starting at $57 per month for minimum coverage.
Who has the cheapest car insurance in Georgia with a DUI?
Auto-Owners provides the cheapest car insurance after a DUI in Georgia. Monthly rates start at $88 for minimum coverage and $196 for full coverage.
Who has the cheapest car insurance in Georgia for those with a speeding ticket?
After getting a speeding ticket, Auto Owners provides the lowest rates in Georgia: $48 monthly for minimum coverage and $115 for full coverage.
Should you buy the cheapest car insurance in Georgia?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Georgia.
How We Found the Most Affordable Car Insurance 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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 31, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 31, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 31, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 31, 2025.