BestAuto InsuranceGeorgiaThe Best Car Insurance in Georgia for 2023
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BestAuto InsuranceGeorgiaThe Best Car Insurance in Georgia
Best Overall - State Farm
Best for Customer Service - ALFA
Best for Minimum Coverage - GEICO
Best for Young Drivers - GEICO
Best for Seniors - State Farm
Best for Bad Driving Record - State Farm
Best for Military - USAA
Best for New Cars - Allstate
Best for Low-Mileage Drivers - Nationwide
For drivers looking for affordable options, regardless of service quality, MoneyGeek also ranked the cheapest car insurance in Georgia.
Best Full Coverage Car Insurance Companies in Georgia: Overall
State Farm is the best overall auto insurance provider in Georgia. MoneyGeek evaluated the best auto insurance providers in Georgia based on their customer satisfaction, claims ratings and average premiums. In general, the state's two best car insurance companies are:
- State Farm: MoneyGeek score of 78 out of 100 ($1,414 per year)
- Nationwide: MoneyGeek score of 77 out of 100 ($1,372 per year)
Apart from comparing rates for the best providers in the state, MoneyGeek also evaluated the cheapest full coverage car insurance in Georgia for those solely focused on the lowest rates.
THE TOP CAR INSURANCE COMPANIES IN GEORGIA
1
State FarmBest Overall
Score:78
State Farm ranked third for affordability. However, it ranked first for customer satisfaction and claims and offers rideshare insurance.
Average Annual Cost: $1,414
More About State Farm
State Farm’s rideshare insurance is an add-on coverage for policyholders working with a ridesharing company who need coverage after accepting a passenger request. The insurance covers medical, rental car reimbursement and roadside assistance costs if you get involved in an accident while transporting a passenger. With this coverage, you will still receive coverage included in your personal car insurance policy, except liability insurance.
Unlike other car insurance providers, State Farm offers very few add-on coverages. One of these is roadside assistance, which covers the cost of mechanical labor for a maximum of one hour, plus locksmith services if you lose your key or lock it inside your car. Other services include the delivery of car batteries, oil and gas.
Read MoneyGeek's State Farm Auto Insurance Review
2
Nationwide
Score:77
Nationwide ranked first for affordability and claims. It is tied for second for customer satisfaction and financial stability and offers identity theft coverage as an add-on.
Average Annual Cost: $1,372
More About Nationwide
Nationwide features various optional coverages that you may not find with other companies. One is identity theft coverage, which ensures you get reimbursed up to $25,000 if anyone within your policy suffers identity theft or fraud.
The insurer also offers a total loss deductible waiver. With this coverage, the insurer pays your comprehensive and collision insurance policy’s deductible if your car gets totaled in an accident. Moreover, you may also purchase a deductible modification coverage that reduces the amount of your full coverage deductible by $100 annually for safe driving, up to a maximum of $500.
Read MoneyGeek's Nationwide Auto Insurance Review
3
GEICO
Score:75
GEICO tied for first for claims rating and second for user satisfaction while ranking fourth for affordability. The insurer’s yearly average cost for full coverage auto insurance is $1,487. It offers mechanical breakdown insurance as an add-on.
More About GEICO
GEICO’s mechanical breakdown insurance (MBI) is a good option for those who own or lease a car that is less than 15 months old with less than 15,000 miles. It offers better coverage at a lower price than typical dealer extended warranties. The add-on covers all parts and systems, not just the specified items in a dealer’s warranty.
Read MoneyGeek's GEICO Auto Insurance Review
4
Allstate
Score:70
With a $1,394 average price, Allstate ranked second for affordability and claims and third for customer satisfaction. It offers portable electronics and media coverage and custom parts coverage.
More About Allstate
Allstate offers add-ons for comprehensive coverage policyholders, such as portable electronics and media coverage. This covers the loss of items you might typically use for your car’s sound system. Drivers with comprehensive and collision coverage can also choose custom parts coverage, which protects items like special carpeting, bars, height-extending roofs, custom murals, decals and graphics.
Read MoneyGeek's Allstate Auto Insurance Review
5
Progressive
Score:51
Progressive’s auto insurance costs an average of $2,223 per year. While the insurer had one of the highest financial stability ratings, it had the worst affordability score. Progressive also had the second-ranked claims and satisfaction scores.
More About Progressive
Unique add-on coverages from Progressive include custom parts and equipment (CPE) coverage, which covers the cost of repair and replacement of add-on items to your car. These include stereos, custom wheels, navigation systems and any item not installed by the manufacturer. The maximum limit for CPE is $5,000. Drivers may also purchase gap insurance if their loan amount is higher than the value of their vehicle to ensure the insurer pays for the difference.
Read MoneyGeek's Progressive Auto Insurance Review
HOW WE DETERMINED THE BEST INSURANCE IN GEORGIA
To determine the best insurance in Georgia, MoneyGeek compared insurance rates based on full coverage policy quotes collected across various providers for a sample driver, claims scores from NAIC, and customer satisfaction ratings from J.D. Power. However, the average rates for car insurance in Georgia vary greatly depending on your circumstances and needs. For more details on sample drivers, policies and assumptions, read MoneyGeek’s methodology.
MoneyGeek's Georgia Car Insurance Resources:
Best Car Insurance in Georgia for Customer Service
The two insurers in Georgia with the best customer service, based only on claims ratings and customer satisfaction, are:
- Alfa: MoneyGeek score of 89 out of 100
- Auto-Owners: MoneyGeek score of 87 out of 100
These companies provide Georgia's best customer service and experience for car insurance.
THE TOP TWO CAR INSURANCE COMPANIES IN GEORGIA FOR SERVICE QUALITY
1
ALFABest for Customer Service
Score:89
Alfa Insurance had the highest ratings for both claims and customer satisfaction. It offers an optional rental car and/or travel reimbursement coverage.
More About ALFA
The only add-on coverage Alfa offers in Georgia is its rental car and/or travel reimbursement coverage, which pays the costs incurred in renting a vehicle up to the policy’s maximum limit after an accident.
2
Auto-Owners Insurance
Score:NaN
Auto-Owners ranked second in this category, with the second-highest score for claims and tying for first for customer satisfaction. It offers policyholders the option to add diminished value coverage.
More About Auto-Owners Insurance
The diminished value coverage protects your car after an accident, ensuring that the insurer compensates you for the reduced value of your car, even after it’s repaired. Without this coverage, your insurer may only compensate the amount equivalent to the value of your vehicle at the time of the accident.
Auto-Owners’ Personal Automobile Plus Package makes add-on coverage easier by combining 10 optional coverages at a cheaper rate. The package covers policyholders against several incurred expenses, including re-keying locks, identity theft, phone replacement and more.
Read MoneyGeek's Auto-Owners Insurance Co Auto Insurance Review
Best Car Insurance in Georgia for Minimum Coverage
When it comes to affordability, GEICO has the best car insurance rates in Georgia.
Generally, the most affordable policy is coverage that meets the minimum state requirements in Georgia.
MoneyGeek ranked the cheapest companies for drivers on a budget in Georgia and found that the following two are the best:
- GEICO: MoneyGeek score of 81 out of 100 ($722 for the state minimum policy)
- State Farm: MoneyGeek score of 80 out of 100 ($780 for the state minimum policy)
These companies strike a balance between affordability and service for customers seeking minimum coverage. To save on your premiums, you can also check out the cheapest minimum coverage car insurance in Georgia.
MoneyGeek’s Pick: GEICO
pros
Affordable minimum coverage policy at $722 per year.
Discounts for bundling, multiple car and defensive driving.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek customer satisfaction rating of 4 out of 5.
cons
No discounts for policyholders who pay in full.
No discounts for paperless billing.
COMPANY HIGHLIGHTS
GEICO features several common add-on coverages, including roadside assistance and rental car reimbursement coverage. Policyholders with roadside assistance coverage get the insurer to cover the cost of towing or repairing their cars after a breakdown. The coverage includes services like locksmithing, jumpstarting and flat tire replacement. Rental car and travel reimbursement pays up to the preset limit of your policy for a rental car if your vehicle remains inoperable after 24 hours.
Policyholders may also enjoy various discounts from GEICO, such as those for bundling with other types of insurance, insuring multiple vehicles and safe driving. Because GEICO values safety and security measures, Georgia drivers can take advantage of saving opportunities by completing a defensive driving course and installing an anti-theft system in their vehicles.
Best Car Insurance in Georgia for Young Drivers and Students
If you are a young driver or student in Georgia, GEICO is ranked as the top insurer.
According to MoneyGeek’s analysis, the following companies offer the best insurance for young drivers and students in Georgia:
- GEICO: MoneyGeek score of 82 out of 100
- Allstate: MoneyGeek score of 81 out of 100
MoneyGeek rated insurance companies in Georgia for new drivers, young drivers and students based on the rates and customer service scores for teens and those in their early 20s.
If you need the most affordable coverage for this category, MoneyGeek highlighted the cheapest car insurance companies in Georgia for young drivers and students.
MoneyGeek’s Pick: GEICO
pros
One of the lowest full coverage rates for young drivers at $3,803 per year on average.
Good student discount.
Driver’s education discount.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek customer satisfaction rating of 4 out of 5.
cons
No distant student discount.
COMPANY HIGHLIGHTS
Adding young drivers to a car insurance policy can make the insurance premiums extremely expensive, but GEICO offers a relatively affordable option. The insurer also provides excellent customer service. Filing claims can be stressful for inexperienced drivers, but great customer service can help with the process.
GEICO has several discounts for families with teen and student drivers. These include the good student discount and driver’s education discount. The good student discount is for full-time students with good grades in high school or college, while the driver’s education discount is available once you complete a qualifying course. Unfortunately, GEICO does not offer a distant student discount for those studying far from home.
Best Car Insurance in Georgia for Seniors
MoneyGeek assessed the top-rated car insurance providers in Georgia to determine the best option for senior drivers for affordability and customer service. Based on the findings, the top companies are:
- State Farm: MoneyGeek score of 89 out of 100 ($1,369 per year)
- GEICO: MoneyGeek score of 87 out of 100 ($1,404 per year)
These two providers ranked highest because they balance great pricing and customer support. Additionally, MoneyGeek also reviewed the cheapest Georgia auto insurance for seniors considering affordability as the main factor.
MoneyGeek’s Pick: State Farm
pros
Cheapest auto insurer for seniors in Georgia
Offers rental car reimbursement and roadside assistance
Offers defensive driving discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 5 out of 5
cons
Lacks senior driver discount
Does not offer gap insurance or accident forgiveness
COMPANY HIGHLIGHTS
Auto insurance tends to be relatively expensive for senior drivers, although State Farm ensures they find reasonable rates and quality service. The insurer offers several coverage options and discounts that favor senior drivers, who typically pay higher rates than middle-aged adults.
With State Farm, you may buy optional rideshare insurance to ensure that your medical, car rental and emergency roadside assistance coverages are active if you work for a ridesharing company. This coverage extends your policy benefits when on a ridesharing app and also when waiting for a passenger.
State Farm’s discounts for older drivers include defensive driving, offered to those who have completed a qualifying course. Safe drivers may also get a discount for remaining without a violation for three consecutive years.
Best Car Insurance in Georgia for Bad Driving Records
The car insurance company that is the best for drivers with a poor driving record in Georgia is State Farm.
We found the following two companies in Georgia to be the top options:
- State Farm: MoneyGeek score of 86 out of 100 ($1,676 per year)
- GEICO: MoneyGeek score of 81 out of 100 ($2,126 per year)
MoneyGeek's analysis selected the best auto insurance providers in Georgia for drivers with poor driving records based on the average premiums and quality of service. A review of the cheapest car insurance in Georgia for those with a DUI or bad record is also available if you aim to maximize how much you save on your premiums.
MoneyGeek’s Pick: State Farm
pros
Affordable full coverage policy for poor drivers at $1,676 per year.
Offers roadside assistance and rental car reimbursement coverage.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek customer satisfaction rating of 4 out of 5.
cons
No accident forgiveness coverage.
No new car replacement coverage.
No better car replacement coverage.
COMPANY HIGHLIGHTS
State Farm policies for drivers with an at-fault accident on their driving record cost an average of $1,676 per year, the cheapest in the state. It has one of the best policies for individuals with a bad driving record.
The company also offers a few additional coverages, including the following:
- Roadside Assistance: This pays for services necessary if you get stranded because of vehicle problems.
- Rental Car Reimbursement: This pays for car rental and travel expenses up to certain limits if the covered vehicle is under repair.
Best Car Insurance in Georgia for a Military Background
MoneyGeek’s scoring system showed that USAA is the top car insurance company in Georgia for drivers with a military background. The company earned perfect MoneyGeek scores in every category, ranking first among all insurance providers in the state.
USAA got higher ratings across all categories than the best widely available insurer in the state, State Farm. It also offers affordable policies ranging on average from $493 per year for state minimum coverage to $1,303 annually for drivers with an at-fault accident.
MoneyGeek’s Pick: USAA
pros
Affordable full coverage policy for poor drivers at $931 per year.
Roadside assistance coverage.
Legacy discount.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek user satisfaction rating of 4.5 out of 5.
cons
Only available to military families.
COMPANY HIGHLIGHTS
USAA not only has some of the lowest prices for car insurance and the best customer service in Georgia, but it also has a great reputation for military drivers across the country.
Some of the coverages and discounts USAA offers are:
- Roadside Assistance Coverage: This pays for towing, car unlocking, changing a flat tire, gas delivery and other similar services if you get stranded because of vehicle problems.
- Accident Forgiveness: This prevents increased premiums if your first at-fault accident occurs after five accident-free years as a policyholder.
- Legacy Discount: This applies to drivers under the age of 25 who were previously covered by their parents’ USAA policy but now wish to purchase their own coverage.
- Vehicle Storage Discount: You can save up to 60% of your premium amount for storing an insured car.
Best Car Insurance in Georgia for Those With New Cars
According to MoneyGeek's review of companies offering car insurance to drivers with new vehicles, the top company in Georgia is:
- Allstate: MoneyGeek score of 70 out of 100 ($1,394 per year)
MoneyGeek ranked the best auto insurance providers in Georgia for drivers who are in need of new vehicle replacement coverage. If your car is damaged within the first few years, this insurance covers the cost of replacing it with a brand new one of the same make and model without considering its depreciated value. Because new car replacement coverage is not typically included in standard policies, you will need to purchase it separately.
MoneyGeek’s Pick: Allstate
pros
Affordable cost at $1,394 per year on average
New car replacement coverage available
cons
Does not offer better car replacement coverage
MoneyGeek claims rating of 3.5 out of 5
MoneyGeek user satisfaction of 3.5 out of 5
COMPANY HIGHLIGHTS
The moment you hit the road in your new car, its value starts depreciating. If you get involved in an accident that damages your vehicle beyond repair, your insurance company will fully pay for a replacement if you have new car replacement coverage as add-on insurance.
If you live in Georgia and own a relatively new vehicle, MoneyGeek ranked Allstate as the best insurer offering new car replacement coverage.
Purchasing Allstate’s new car replacement coverage means that your car will get replaced with a new model if you get involved in an accident within two years. However, Allstate does not offer better replacement coverage.
Best Car Insurance in Georgia for Low-Mileage Drivers
Nationwide SmartMiles is the best option for low-mileage drivers in Georgia. In the United States, pay-per-mile insurance policies are becoming more common, with premiums based on how many miles you drive.
MoneyGeek’s Pick: Nationwide
pros
Affordable rates for car owners who are low-mileage drivers.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4 out of 5.
cons
More expensive than standard auto insurance if you drive more regularly.
COMPANY HIGHLIGHTS
Nationwide offers SmartMiles, the best program for Georgia drivers with low mileage. Unlike other auto insurance policies, Nationwide determines the rates for this program using a standard rate and a variable rate, which changes depending on how much you drive.
Policyholders receive a discount of up to 10% on the program for safe driving, meaning you can lower your rates significantly if you maintain a good driving record. SmartMiles is also ideal for those planning a road trip since premiums only consider the first 250 miles per day.
Since the variable rate keeps changing based on the miles covered, your rates can vary from month to month.
How to Find the Best Car Insurance in Georgia For You
When looking for the best car insurance in Georgia, consider companies that balance cost, service reputation and financial stability. MoneyGeek collected this information and ranked the top companies in the state. You can also do your own research to learn more about various coverages and the insurance companies themselves.
1
Research customer service reputations in Georgia
MoneyGeek analyzed insurance quotes for a sample driver profile from various insurance providers in Georgia. Additionally, J.D. Power user satisfaction ratings and NAIC complaint ratios were evaluated. Use this information to determine which company provides the best policy for your needs. Visiting Georgia Consumer Services Division can also help you better understand auto insurance.
2
Compare quotes for yourself
The costs used in this analysis are average rates for a sample driver profile in most of Georgia. However, these do not apply to all locations in the state. Make sure you compare personalized quotes from at least three companies to find the most accurate coverage for your needs.
3
Make sure the company has coverages you want in Georgia
It is important to review and understand the coverages and discounts that insurance companies offer. That is because not all advertised features are available in all states. Check with the companies you are interested in if they are offering what you are looking for in Georgia.
4
Double-check financial stability ratings
Checking the financial strength rating of an insurer will also help. Typically, bigger insurance providers are more financially stable than regional insurance companies. That means they are more likely to pay out legitimate claims.
FAQs About the Best Car Insurance in Georgia
When looking for the best car insurance companies in Georgia, it is essential to consider several factors. MoneyGeek answers some of the frequently asked questions about Georgia auto insurance below.
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