Cheapest Car Insurance in Georgia for 2026

The cheapest car insurance in Georgia is Auto-Owners for full coverage ($100 per month), and GEICO for minimum coverage ($42 per month).

Get the most affordable Georgia car insurance below.

Written by Mark Fitzpatrick

Updated: April 23, 2026

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Georgia ranks 38th most affordable of 50 states for car insurance, with full coverage averaging $135/month, which is 11% above the national average. Auto Owners is cheapest for full coverage at $100/month, while Geico leads minimum coverage at $42/month.

Georgia's teen rates have a large gap: a 16-year-old boy costs $49/month more than a girl the same age on a family policy. Choosing the cheapest over most expensive full coverage provider saves over $1,100/year.

Cheapest in Georgia by coverage type

Full coverage: Auto-Owners, $100
Minimum coverage: GEICO, $42

Cheapest by driver age

Young adult drivers: Auto-Owners, $224
Teen drivers (16) on a family policy: GEICO, $443 (female) / COUNTRY Financial, $492 (male)
Seniors (65+): GEICO, $114

Cheapest by driving record and credit score

Speeding ticket: Auto-Owners, $111
At-fault accident: Central, $133
DUI: COUNTRY Financial, $179
Texting while driving: Auto-Owners, $100
Bad credit: Safeway, $143

MoneyGeek analyzed 12 companies for minimum and full coverage car insurance in Georgia and 11 companies for age and violation profiles. The baseline profile uses a 40-year-old driver with a clean record, good credit, 100/300/100 coverage and a $1,000 deductible.

Additional profiles include young drivers (ages 16 to 25, split by gender), seniors, drivers with violations and drivers with poor credit. Georgia uses gender as a rating factor, and the young driver analysis reflects separate rates for male and female drivers. All rates are ZIP code averages, and we obtained data from Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Georgia

The cheapest providers differ by coverage type in Georgia. Geico leads on minimum coverage at $42/month, while Auto Owners leads on full coverage at $100/month. Choosing Auto Owners over State Farm (most expensive full coverage at $192/month) saves $92/month ($1,104/year). Comparing quotes across providers for your specific coverage needs helps you find the best car insurance in Georgia.

Georgia's minimum coverage requirement is 25/50/25: $25,000 per person bodily injury, $50,000 per accident, and $25,000 property damage. Georgia is an at-fault state with no PIP requirement. Full coverage (100/300/100 + comprehensive + collision + $1,000 deductible) adds higher limits and vehicle coverage. A serious accident with multiple injuries could easily exceed $50,000 in medical costs, leaving you responsible for the difference if you carry only minimum coverage.


Geico	$42
Auto Owners	$46
Central Insurance	$59
Progressive	$60
Mercury Insurance	$72


Auto Owners	$100
Geico	$101
Progressive	$124
COUNTRY Financial	$126
Central Insurance	$133

Cheapest Car Insurance by Age in Georgia

Auto-Owners is cheapest for young adult drivers at $224/month, while GEICO is cheapest for seniors at $114/month. Georgia shows a notable gender gap in teen rates: a 16-year-old boy on a family policy costs $492/month (COUNTRY Financial) versus $443/month for a girl (GEICO), a $49/month ($588/year) difference, and the cheapest provider differs between genders at this age. Senior rates are higher than adult rates in Georgia. GEICO's senior rate of $114/month is $13/month above its adult full coverage rate of $101/month.

Open the dropdowns for breakdowns on car insurance rates by age, comprising options for 16 to 25 and seniors.


Young adult (standalone)	Auto Owners	$224
Teen (16, female, family policy)	Geico	$443
Teen (16, male, family policy)	COUNTRY Financial	$492
Senior (65+)	Geico	$114

Auto-Owners is cheapest for young drivers at $224 a month; COUNTRY Financial is second at $245 a month, $21 more.

On family policies at age 16, the cheapest provider differs by gender: GEICO is cheapest for girls at $443 a month and COUNTRY Financial is cheapest for boys at $492 a month, a $49 a month ($588 a year) gap between two different insurers. Georgia uses gender as a rating factor, so boys pay more than girls through the mid-20s, and the cheapest provider sometimes differs by gender. Rates for boys and girls fall through age 25. Staying on a family policy costs less than a separate policy until the mid-20s.


16	Geico	$443	$266
17	COUNTRY Financial	$432	$259
18	COUNTRY Financial	$397	$238
19	Geico	$387	$232
20	COUNTRY Financial	$345	$207
21	Geico	$321	$193
22	COUNTRY Financial	$309	$185
23	COUNTRY Financial	$296	$177
24	COUNTRY Financial	$283	$170
25	Auto Owners	$239	$143


16	COUNTRY Financial	$492	$295
17	COUNTRY Financial	$445	$267
18	COUNTRY Financial	$407	$244
19	Geico	$449	$269
20	COUNTRY Financial	$351	$211
21	COUNTRY Financial	$331	$199
22	COUNTRY Financial	$313	$188
23	COUNTRY Financial	$299	$179
24	COUNTRY Financial	$286	$172
25	Auto Owners	$239	$143

GEICO is the cheapest car insurance for seniors in Georgia at $114 a month, $13 above its standard adult rate of $101 a month. COUNTRY Financial is second at $142 a month, $28 more than GEICO. Central is the most expensive of the five at $214 a month, $100 more than GEICO ($1,200 a year).

Defensive driving course discounts and bundling cut costs further.
Geico
$114
COUNTRY Financial
$142
Auto Owners
$149
Farmers
$190
Central Insurance
$214


Geico	$114
COUNTRY Financial	$142
Auto Owners	$149
Farmers	$190
Central Insurance	$214

Cheapest Car Insurance for High-Risk Drivers in Georgia

Auto-Owners is cheapest for speeding tickets at $111/month and texting while driving at $100/month, identical to its clean-record rate. Central leads for at-fault accidents at $133/month. COUNTRY Financial leads for DUI at $179/month. Safeway leads for bad credit at $143/month. For broader context, see high-risk car insurance in Georgia.

A speeding ticket adds approximately $11/month above Auto-Owners' clean-record rate of $100/month, while a DUI raises COUNTRY Financial's rate from $126/month (clean record) to $179/month, a $53/month ($636/year) increase. Auto-Owners charges the same $100/month for texting while driving as for a clean record, reflecting how Auto-Owners rates this violation in Georgia. Most Georgia violations affect rates for 3 years, but DUIs affect rates longer.


Speeding Ticket	Auto Owners	$111
At-Fault Accident	Central Insurance	$133
DUI	COUNTRY Financial	$179
Texting While Driving	Auto Owners	$100
Bad Credit	Safeway Insurance	$143

Auto-Owners is cheapest after a speeding ticket at $111 a month, $11 above its clean-record rate of $100 a month. GEICO is second at $121 a month, $10 more than Auto-Owners ($120 a year). COUNTRY Financial is the most expensive of the five at $156 a month, $45 more than Auto-Owners ($540 a year).
Auto Owners
$111
Geico
$121
Donegal Insurance
$142
Safeway Insurance
$148
COUNTRY Financial
$156
Central is cheapest after an at-fault accident at $133 a month, the same as its clean-record rate, applying no surcharge for this violation. Auto-Owners is second at $143 a month, $10 more. Safeway is the most expensive of the five at $173 a month, $40 more than Central ($480 a year).

Review our guide to high-risk car insurance in Georgia for additional options.
Central Insurance
$133
Auto Owners
$143
Geico
$146
Donegal Insurance
$172
Safeway Insurance
$173
COUNTRY Financial is cheapest after a DUI at $179 a month, up from its clean-record rate of $126 a month, representing a $53 a month ($636 a year) increase. Safeway is second at $184 a month, $5 more than COUNTRY Financial. State Farm is the most expensive of the five at $205 a month, $26 more than COUNTRY Financial ($312 a year).

After a DUI, Georgia requires an SR-22 filing. Our guide to car insurance after a DUI in Georgia covers provider options.
COUNTRY Financial
$179
Safeway Insurance
$184
Auto Owners
$190
Allstate
$202
State Farm
$205
Auto-Owners is cheapest after a texting while driving violation at $100 a month, which is the same as its clean-record rate, so no surcharge is applied for this violation. GEICO is second at $121 a month, $21 more. COUNTRY Financial is the most expensive of the five at $156 a month, $56 more than Auto-Owners ($672 a year).
Auto Owners
$100
Geico
$121
Donegal Insurance
$142
Safeway Insurance
$148
COUNTRY Financial
$156
Safeway is cheapest for drivers with bad credit at $143 a month, 43% above the cheapest clean-record rate (Auto-Owners at $100 a month). COUNTRY Financial is second at $157 a month, $14 more. Progressive is the most expensive of the five at $232 a month, $89 more than Safeway ($1,068 a year). Insurers use a credit-based insurance score (CBIS), a proprietary measure built from credit report data, distinct from a FICO score, to predict claim likelihood. Our guide to low-income car insurance in Georgia covers additional options.
Safeway Insurance
$143
COUNTRY Financial
$157
Geico
$179
Central Insurance
$209
Progressive
$232


Auto Owners	$111
Geico	$121
Donegal Insurance	$142
Safeway Insurance	$148
COUNTRY Financial	$156


Central Insurance	$133
Auto Owners	$143
Geico	$146
Donegal Insurance	$172
Safeway Insurance	$173


COUNTRY Financial	$179
Safeway Insurance	$184
Auto Owners	$190
Allstate	$202
State Farm	$205


Safeway Insurance	$143
COUNTRY Financial	$157
Geico	$179
Central Insurance	$209
Progressive	$232

Cheapest Car Insurance Quotes in Georgia by City

The cheapest provider varies by city in Georgia. Auto-Owners leads in Albany, Atlanta, Roswell, and Savannah, while Geico leads in Athens, Augusta, Columbus, Macon, Sandy Springs and Warner Robins. No single provider leads everywhere, so compare multiple quotes.

The biggest rate gap is Atlanta at $133/month versus Athens at $91/month, a $42/month ($504/year) difference. Atlanta's high traffic density and accident frequency drive up costs, while Athens' lower-density college-town environment results in fewer claims and lower rates.

For cities with similar rates, Albany at $93/month, Athens at $91/month and Augusta at $99/month are within $8/month of each other, reflecting modest rather than major geographic risk variations. To compare car insurance options across providers, get quotes for your specific city.


Albany	Auto Owners	$93
Athens	Geico	$91
Atlanta	Auto Owners	$133
Augusta	Geico	$99
Columbus	Geico	$106
Macon	Geico	$118
Roswell	Auto Owners	$96
Sandy Springs	Geico	$100
Savannah	Auto Owners	$114
Warner Robins	Geico	$108

How to Get the Cheapest Car Insurance in Georgia

These eight strategies help Georgia drivers reduce car insurance costs. Comparison shopping alone saves up to $1,104/year, the difference between the cheapest and most expensive full coverage provider in Georgia.

The cheapest provider for minimum coverage differs from the cheapest for full coverage, making it worth comparing car insurance quotes separately by coverage type. Finding the cheapest car insurance companies for your profile requires getting multiple quotes.

Compare Quotes for Each Coverage Type Separately

GEICO leads minimum coverage at $42/month, while Auto-Owners leads full coverage at $100/month. The top provider isn't the same for both, so get multiple quotes for your coverage needs.

Match Coverage to Your Vehicle's Value

Full coverage averages $135/month in Georgia. Compare this cost to your vehicle's actual cash value. Use the car insurance calculator for Georgia to estimate whether full coverage makes financial sense for your vehicle.

Enroll in a Telematics Program

Auto-Owners TrueRide and GEICO DriveEasy reward safe driving with potential discounts of 10% to 25% in Georgia. These programs track braking, acceleration and mileage through a mobile app.

Bundle Home and Auto

Bundle home and auto insurance in Georgia to save 10% to 20% on both policies.

Take a Defensive Driving Course

Georgia DOI-approved defensive driving courses reduces your premium by up to 5% to 10%. Courses are available online and in-person, and the discount applies for three years.

Re-Shop When Violations Age Off

Most Georgia violations affect rates for 3 years, but DUI affect them longer. Set a reminder to re-shop when your violations age off your record to get lower rates.

Improve Your Credit Score

The gap between Safeway's bad-credit rate ($143/month) and Auto-Owners' clean-credit rate ($100/month) is $43/month ($516/year). Georgia allows credit-based pricing, so improving your credit score and re-shopping can meaningfully reduce your premium.

Consider Non-Owner Coverage

If you don't own a vehicle but drive occasionally, non-owner car insurance in Georgia provides liability coverage at a lower cost than a standard policy.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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