BestCar InsuranceGeorgiaBest Car Insurance in Georgia (May 2023)
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Auto-Owners is the best car insurance in Georgia overall. It is also the insurer with the best customer service, the best for minimum coverage, military personnel and drivers with offenses in the Peach State. Country Financial is the top choice for seniors and those in their 20s, while teens and drivers with new cars fare best with Allstate.
We’ve also identified the cheapest car insurance in Georgia if you’re interested in options that maximize savings without considering service quality.
BestCar InsuranceGeorgiaBest Car Insurance in Georgia
Best Overall - Auto-Owners Insurance
Best for Service - Auto-Owners Insurance
Best for Minimum Coverage - Auto-Owners Insurance
Best for Young Adults - Country Financial
Best for Seniors - Country Financial
Best for Driving Offenses - Auto-Owners Insurance
Best for New Cars - Allstate
Best for Military - Auto-Owners Insurance
Best Overall for Car Insurance in Georgia
Auto-Owners offers the best car insurance for full coverage in Georgia. We’ve listed the top options for you to consider:
- Auto-Owners: MoneyGeek score of 92 out of 100 ($778 per year)
- Country Financial: MoneyGeek score of 92 out of 100 ($665 per year)
Auto-Owners clinched the number one spot in our ranking by offering one of the lowest premiums and superior customer service.
The average cost of full coverage car insurance in Georgia is $1,638 a year. If cost is your only deciding factor when purchasing insurance, we’ve also found the providers with the cheapest full coverage auto insurance in Georgia.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
Auto-Owners provides a good balance of competitively-priced premiums, essential coverages and good service and claims management, making it the best option based on our analysis. A full coverage policy costs $778 annually, which is the second cheapest rate in Georgia. Rare add-ons include deductible modification and diminished value coverages.
Auto-Owners gets the basics right with its selection of essential and rare coverages. Its roadside assistance provides prompt services if you lock your keys inside your car, run out of gas, have a flat tire or need minor car repairs.
If you’re often on the road, getting this insurer’s rental car coverage is a sensible decision since it pays for a rental car and other incidental expenses if your car is being repaired.
There are also rare coverages provided by this insurer. For instance, it offers diminished value coverage which compensates for the reduced value of your car if it's damaged in an accident.
Another noteworthy coverage is deductible modification, which waives your collision deductible if you get into an accident with another vehicle that’s also covered by Auto-Owners.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
With its outstanding customer service and very affordable premiums, Country Financial rightfully earned the second-highest ranking among the insurers in our study. Its full coverage policy costs only $665 per year, which is the cheapest among the providers for which we reviewed quotes. Add-ons include new car replacement, safety glass and personal effects coverages.
Country Financial has limited options for coverages, but most drivers might find the add-ons on offer sufficient.
With emergency roadside coverage, you’re guaranteed to receive reimbursement of up to $100 for towing, fuel delivery, repairs and labor.
Its vehicle rental and trip interruption coverage can pay up to $800 for a rental car. Travel expenses should also be covered if you get involved in a road accident more than 100 miles away from home.
Country Financial also offers unique coverages that apply to broad types of drivers. It has new car replacement coverage, which replaces your car if it is totaled during a specific timeframe.
Its safety glass coverage takes care of repair expenses on your headlight, windshield and windows. And, the personal effects coverage can pay up to $800 for items stolen from your car, such as your phone or laptop.
How the Best Insurers in Georgia Rank: MoneyGeek Scores and Costs
We analyzed multiple auto insurers in Georgia and found Auto-Owners outshines its competitors by providing an inexpensive full coverage premium and delivering outstanding customer service.
The runner-up, Country Financial, offers the cheapest premium and a wide range of coverages. It also has very few customer complaints, especially for claims.
Note that we only gave overall MoneyGeek scores to insurers and included them in our rankings if there’s enough data to satisfy all the components of the scoring system. Insurers with less available information weren't included.
Best Car Insurance in Georgia for Customer Service
Insurance buyers who want to receive the best customer experience, regardless of cost, should consider purchasing an auto policy from Auto-Owners. We found these insurers provide the best customer service in Georgia:
- Auto-Owners: MoneyGeek score of 92 out of 100 ($778 per year)
- Country Financial: MoneyGeek score of 88 out of 100 ($665 per year)
Country Financial earned the highest marks on customer satisfaction, but Auto-Owners offsets this advantage with top-notch claims management alongside good overall service and reasonable premiums.
pros
Ranked second in affordability for full coverage
Ranked first for coverage options
Offers diminished value coverage
cons
Doesn’t offer original equipment manufacturer (OEM) coverage
COMPANY HIGHLIGHTS
We recommend Auto-Owners if service quality is your main concern when choosing an auto insurance provider. With this insurer, you can choose from an extensive list of coverages to add to an affordable policy.
Auto-Owners combines essential and rare coverages. Its diminished value coverage, offered by only a handful of insurers, compensates for the reduced value of your car if it's damaged in an accident.
Drivers who wish to keep car insurance simple while maximizing savings could purchase Auto-Owners' Personal Automobile Plus Package, which offers over 10 coverages at one competitive rate, such as personal property, rental car reimbursement and trip interruption.
Gap insurance and at-fault accident forgiveness coverages are also add-ons that are worth considering if you want the best financial protection.
What Makes an Insurer the Best for Customer Service?
When choosing an auto insurer, it’s important to check a company’s customer service record. This can show you how efficient and responsive the insurer is during all stages of your transaction — from purchasing a policy, processing payments and managing your claims.
Although Country Financial obtained the highest score on customer satisfaction, we picked Auto-Owners as the best for service quality because it outperformed its competitors in handling claims.
Best Car Insurance in Georgia for Minimum Coverage
After focusing our analysis on affordability and service quality for policies meeting Georgia’s lowest liability requirements, we found Auto-Owners is best for minimum coverage. Here are our top picks:
- Auto-Owners: MoneyGeek score of 95 out of 100 ($311 per year)
- Country Financial: MoneyGeek score of 92 out of 100 ($321 per year)
Auto-Owners offers the lowest rate for minimum coverage (and many others). A minimum coverage policy is typically the most affordable option for a majority of drivers. Its average cost per year in Georgia is $977.
The downside is it gives the least protection against liability costs and won't pay for damages to your car.
pros
Cheapest minimum coverage policy at roughly $311 per year
Discounts for insuring multiple cars, safe driving and bundling auto and life insurance policies
Ranked first in claims management and coverage options
cons
Doesn’t offer discounts for defensive driving or driver’s education courses
COMPANY HIGHLIGHTS
Auto-Owners gets the basics right with its mix of essential and rare coverages which policyholders enjoy with the most affordable premiums for minimum coverage.
Auto-Owners features a long list of discounts, including the commonly offered ones easily available to most insurance buyers. Maximize your savings through a bundling discount by purchasing your auto policy in addition to home, life, condo or renter’s insurance policies from Auto-Owners.
You can also get a discount for being a safe driver or insuring multiple vehicles.
We’re also impressed by this insurer’s rare discounts. Policyholders who paid their premiums on time for the last 36 months or paid their annual premium in full and on time are eligible for sizable discounts.
What Makes an Insurer the Best for Minimum Coverage?
If you don’t want to pay for full coverage car insurance, minimum coverage is an alternative — but you may end up financially responsible for damages in an at-fault accident because of its low liability limits. A good minimum coverage insurance has affordable premiums and discounts to make your rates even cheaper.
Auto-Owners provides the cheapest rates, good service and claims management, as well as opportunities to get discounts, making it our winner. But, there’s usually a tradeoff between cost and coverage.
MONEYGEEK EXPERT TIP
It's important to know that a minimum coverage policy could leave you vulnerable to a substantial financial loss in the event of an at-fault accident because of its low liability limits for bodily injury and property damage. The smart choice is to purchase as much liability coverage as you can afford. You don't have to have a full coverage policy to increase liability limits. Speak with an insurance agent to weigh your options. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Car Insurance in Georgia for Young Adults
Based on our quote analysis, Country Financial is the best car insurance provider for young Georgians.
These insurers rate highly on affordability and customer service for young drivers who want a full coverage policy:
- Country Financial: MoneyGeek score of 92 out of 100 ($958 per year)
- Auto-Owners: MoneyGeek score of 92 out of 100 ($1,121 per year)
Drivers in their 20s don’t pay as much as teen drivers. But, they still pay more than middle-aged drivers for the same coverage due to an enhanced risk of accidents.
One way to maximize savings is by shopping around for the cheapest car insurance for young drivers in Georgia.
pros
Second cheapest insurer for young adults at $958 per year
Offers good student, driver education and legacy discounts
Ranked number one for customer satisfaction
cons
Claims management needs improvement
Few options for add-on coverages
COMPANY HIGHLIGHTS
We recommend Country Financial for drivers in their 20s, with its affordable rates and superior customer service.
Young drivers could use Country Financial’s discounts to make their premiums cheaper. Full-time high school and college students that maintain at least a "B" average and college graduates may qualify.
You could also get a discount if you complete a state-approved motor vehicle defensive driving course or if you’re a newly-licensed driver and complete Country Financial’s Simply Drive course.
Unmarried drivers under 25 may also save if their parents qualify for multi-car and multi-policy discounts. They could stand to gain from purchasing the personal effects coverage on top of their standard full coverage insurance. This add-on pays up to $800 for items stolen from their cars.
What Makes an Insurer the Best for Young Adults?
A good policy for young adults helps maximize savings. It should offer low rates and lots of discounts without sacrificing service and coverage. When comparing insurers, check for discounts that apply to drivers 25 and under.
Our top pick, Country Financial, offers a legacy discount where unmarried drivers under 25 on a family plan could get a discount if their parents get a multi-car or multi-policy discount.
Best Car Insurance in Georgia for Seniors
Our analysis indicated that Country Financial is the best insurance company for senior drivers. Drivers in their 60s may find the best value and service from these insurers:
- Country Financial: MoneyGeek score of 92 out of 100 ($580 per year)
- Auto-Owners: MoneyGeek score of 90 out of 100 ($822 per year)
Country Financial has the cheapest premiums and highest marks in customer satisfaction of the insurers in our study. We also discovered insurers charge drivers in their 60s comparable rates to those in their 30s through 50s. However, premiums shoot up once you reach your 70s.
You’ll find the cheapest car insurance for seniors by comparing quotes from different providers.
pros
Most affordable average full coverage rate for seniors at $580 per year
Impressive customer satisfaction rating
cons
Below-average ratings on claims handling and coverage options
COMPANY HIGHLIGHTS
Country Financial may be the ideal choice for seniors, offering the most affordable rates and excellent service.
Senior drivers can travel with peace of mind knowing Country Financial has their back if they get into an accident and require immediate assistance. Country Financial’s emergency road service coverage pays up to $100 for towing, fuel delivery, parts and labor charges.
You won’t feel alone if you have an accident away from home if you have Country Financial’s vehicle rental and trip interruption coverage added to your policy. This pays up to $800 for rental car and other transportation costs. It covers transportation, meals and lodging if you have an accident more than 100 miles from your home.
Also worth considering is Country Financial’s safety glass coverage which pays for headlight, windshield and car window repairs. You won’t have to pay your comprehensive coverage deductible for glass alone.
What Makes an Insurer the Best for Seniors?
Seniors are prone to major injuries in road accidents. This underscores the need to find good car insurance that not only provides affordable full coverage policies and senior discounts but also medical payments coverage.
Our winner, Country Financial, doesn’t offer senior discounts. But, it has many other discounts that seniors can qualify for. It also offers the lowest rates for full coverage for seniors.
Best Car Insurance in Georgia for Drivers With Offenses
We found Auto-Owners is the best option for drivers with offenses on their records.
These insurers provide the most affordable policies and excellent service for drivers with a history of violations:
- Auto-Owners: MoneyGeek score of 93 out of 100 ($1,181 per year)
- Country Financial: MoneyGeek score of 92 out of 100 ($977 per year)
Auto-Owners is the clear winner in this category. It ranks highest in customer satisfaction while offering the third-cheapest rate.
Georgia drivers with offenses can see a dramatic increase in their premiums: up to roughly $250 after a speeding ticket, $545 after an at-fault accident and $726 after a DUI, on average. This underscores the importance of looking for affordable car insurance after an incident.
pros
Third-cheapest premium at an average of $1,181 per year
Ranks first for service quality
Provides roadside assistance, rental car reimbursement and accident forgiveness as add-on coverages
cons
No new car replacement coverage
COMPANY HIGHLIGHTS
Auto-Owners bested its competitors in this survey by offering the third-cheapest rate and delivering outstanding service.
Although it only has a few add-on coverage options, these are the most important ones, especially for drivers with offenses. While waiting for your car to get fixed following an accident, travel expenses could easily add up and create a dent in your budget. You’ll be spared from these extra costs if you purchase Auto-Owners' rental car reimbursement coverage. This add-on helps pay for a rental car and also covers food, lodging and other incidental expenses while you’re stranded away from home.
Roadside assistance coverage provides reliable service for a flat tire, dead battery or a minor mechanical malfunction. With accident forgiveness coverage, Auto-Owners will waive its accident surcharge for your first at-fault accident after purchasing this benefit.
What Makes an Insurer the Best for Drivers With Offenses?
Most insurers classify drivers with offenses as high-risk and charge them significantly higher premiums. A good insurance company for drivers with violations offers the lowest possible rates alongside multiple discount opportunities.
Auto-Owners satisfies these requirements by providing the third-cheapest rate for high-risk drivers together with an extensive line-up of discounts that apply to most drivers.
Best Car Insurance in Georgia for Drivers With New Cars
Allstate is the best insurance company for drivers with new cars based on MoneyGeek’s in-depth study of insurers that offer new car replacement or better car replacement coverage.
- Allstate: MoneyGeek score of 89 out of 100 ($1,181 per year)
Allstate's policy for a new car is reasonably priced, with a good selection of coverages.
If your car is totaled, new car replacement covers the cost of purchasing a brand-new car of the same make and model as your current one. Better car replacement coverage does more by covering the cost of a car of the latest model.
pros
Affordable full coverage policy at $1,181 per year on average for a new car
cons
None
COMPANY HIGHLIGHTS
Allstate offers new car replacement coverage for new cars in Georgia with a very reasonable premium, and has a good selection of essential add-on coverages.
With new car replacement coverage, Allstate can replace your totaled car with a brand new one if your car is two model years or less – a good deal since you won’t have to worry about the depreciated value of your car. This coverage is a must-have if you have a new car, especially an expensive one.
On top of this benefit, Allstate has coverages rarely offered by other insurers but are beneficial to different types of drivers. Its custom parts coverage covers the comprehensive loss of your car’s special carpeting, height-extending roofs and bars.
Other noteworthy coverages that drivers with new cars find useful are Allstate’s gap insurance, deductible modification and accident forgiveness.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars can benefit greatly from new or better car replacement coverage as an add-on to their full coverage policy. When choosing an insurer, check if it offers these coverages to cushion you from the financial impact if your car is totaled.
Our winner, Allstate, offers new car replacement coverage that pays for the cost of a new model if your totaled car is less than two years old.
Best Car Insurance in Georgia for Military Drivers
Auto-Owners is the best car insurance company for drivers with a military background. It's the third cheapest option in our study, at $778 per year for full coverage.
USAA ranked third overall; it has coverages and discounts specifically tailored to the needs of military personnel and their families and should be worth considering.
pros
Third most affordable insurer, with premiums averaging $778 per year
Ranked second in customer satisfaction
Diminished value coverage and Personal Automobile Plus Package as add-ons
cons
Doesn’t offer original equipment manufacturer (OEM) or new car replacement coverages
COMPANY HIGHLIGHTS
Offering affordable rates alongside consistent customer service, Auto-Owners outpaces its competitors as the ideal insurer for Georgia drivers with a military background and their families.
Auto-Owners has a good list of coverage options that are useful to most drivers, with some coverages rarely offered by other insurers. If you get diminished value coverage, your Auto-Owners policy will compensate you for the reduced value of your damaged car following an accident. The Personal Automobile Plus Package is another add-on that offers great value. This includes more than 10 additional coverages at a single, competitive rate. You’ll also receive protection from incurred expenses, such as identity theft, re-keying of locks and replacing valuables stored in your car like your cellphone.
How to Find the Best Car Insurance in Georgia for You
The best car insurance has affordable rates, reliable customer service and financial stability. MoneyGeek collected and analyzed quotes to present data-driven recommendations for every driver profile.
You may use these as a good starting point in finding the one that matches your needs, but we’ll also cover the basic steps for doing your own research.
1
Research customer service reputations in Georgia
MoneyGeek conducted extensive research to determine which insurers have a good record of providing top-notch service. You could refer to data from J.D. Power's customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, which we used as the basis for our recommendations.
You may also visit Georgia’s Department of Insurance for more information.
2
Compare quotes
MoneyGeek's quotes are average rates for sample drivers in Georgia, but there may be variations depending on your location. For instance, insurers may charge higher premiums for certain neighborhoods or ZIP codes with high vehicle theft and vandalism rates. We recommend collecting personalized quotes from at least three companies to get a reliable estimate of how much your car insurance will cost.
3
Find the coverages you want in Georgia
Information about an insurer’s state-specific coverages and benefits might not be included on its website. This makes it important to call an agent or insurer's office to confirm it carries the insurance benefits you’re looking for.
4
Check financial stability ratings
It is good practice to check an insurer’s financial strength rating to get an idea of how well it has met its financial obligations to its policyholders in the past. If it has a low rating, you may want to consider a different company.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Georgia
The best car insurance varies by person. The right insurer and policy for you depend on your specific needs and preferences. Here are our answers to the most common questions to help inform your purchase.
About Mark Fitzpatrick
