The Best Car Insurance in Georgia for 2022

Customer satisfaction, affordability and financial stability are all critical considerations when you’re looking for the best car insurance companies. In Georgia, State Farm is the best in balancing these factors. It ranks first for satisfaction and third for both affordability and financial stability.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/13/2022
Advertising & Editorial Disclosure
By     |  

MoneyGeek evaluated the top car insurance companies in Georgia. State Farm ranked first overall, but you may find companies with coverages and services more suitable to your needs. MoneyGeek also broke down the best options for drivers focused on customer service, those on a budget and more.

For drivers looking for affordable options, regardless of service quality, MoneyGeek also ranked the cheapest car insurance in Georgia.

iconribbonbestauto insuranceGeorgia2022

The Best Car Insurance in Georgia

Best Car Insurance Companies in Georgia: Overall

MoneyGeek rated the top insurers in the state based on various factors, including average cost of coverage, user satisfaction and claims ratings.

Overall scores showed that the best insurance companies in Georgia state are:

  • State Farm: MoneyGeek score of 3.9 out of 5
  • Nationwide: MoneyGeek score of 3.8 out of 5

USAA received the highest score of 4.9 out of 5. However, MoneyGeek excluded it from this analysis because its policies are only available to active-duty military, veterans and their families.

The Top 5 Car Insurance Companies in Georgia

1
State Farm
Score:3.9

3.1/5

Affordability

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average rate of $1,414 per year, State Farm ranked third for affordability. However, it ranked first for customer satisfaction and claims and offers rideshare insurance.

More About State Farm

The rideshare insurance is an optional coverage that covers the policyholder while accepting or transporting a passenger. As a policyholder, you can also add roadside assistance, which pays for mechanical labor for up to an hour at the place of breakdown and towing. It also covers the cost of a locksmith if the key is lost, stolen or locked inside your car.

Read MoneyGeek's State Farm auto Insurance Review
2
Nationwide
Score:3.8

3.3/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide, with an average yearly premium of $1,372, ranked first for affordability and claims. It tied second for customer satisfaction and financial stability and offers identity theft coverage as an add-on.

More About Nationwide

The identity theft coverage will pay up to $25,000 for the reimbursement of expenses if you or anyone in your household becomes a victim of identity theft or fraud. Nationwide also offers an optional total loss deductible waiver, which pays the comprehensive or collision insurance deductible if your car is declared a total loss after an accident.

Read MoneyGeek's Nationwide auto Insurance Review
3
GEICO
Score:3.8

2.9/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO tied first for claims rating, tied second for user satisfaction and ranked fourth in 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 and with less than 15,000 miles on it. The add-on covers all the parts and systems, such as flat tires, jump starts, lockouts and towing. It’s better coverage and at a lower price than typical dealer extended warranties.

Read MoneyGeek's GEICO auto Insurance Review
4
Allstate
Score:3.5

3.2/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 coverage for custom equipment, such as special carpeting, bars, height-extending roofs, custom murals, decals and graphics.

Read MoneyGeek's Allstate auto Insurance Review
5
MetLife
Score:3

1.1/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

MetLife ranked fifth for affordability with an average price of $1,940. It tied first for claims and third for customer satisfaction. It offers new car replacement coverage as an add-on.

More About MetLife

MetLife was acquired by Farmers, so it offers the same coverages and discounts. MetLife policyholders can opt to get the new car replacement coverage. It applies within the first 12 months of ownership or the first 15,000 miles, whichever comes first.

Read MoneyGeek's MetLife auto Insurance Review
tip icon
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:

Compare the Best Insurance Options in Georgia

The best auto insurance companies in Georgia have three significant variables taken into consideration: the cost of insurance, the quality of customer service, and their financial stability. Based on your needs, you can check which combination is best and what coverages are right for you. MoneyGeek created an in-depth review to help you get started with comparing the top insurance providers in the state.

Car Insurance Comparison Tool

Georgia
Best Service

Choose Company...
VS.
Choose Company...

Best Car Insurance in Georgia for Customer Service

MoneyGeek also ranked the best car insurance companies in Georgia based on only customer satisfaction and claims ratings, disregarding average costs.

The two companies with the highest scores without considering cost are:

  • Alfa Insurance: MoneyGeek score of 4.5 out of 5
  • Auto-Owners Insurance Co.: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in Georgia for Service Quality

1
ALFA
Score:4.5

4.5/5

Claims

4.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

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

Filing a claim is always a stressful time, so it’s important to find an insurer that provides great customer service and ranks high in paying out claims. The add-on rental car and/or travel reimbursement coverage pays for a rental vehicle up to the limits of the policy if the covered car requires repairs due to a covered accident or loss.

2
Auto-Owners Insurance Co
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co. ranked second overall in Georgia car insurance companies after getting the second highest score for claims and tying first for customer satisfaction. It offers policyholders the option to add diminished value coverage.

More About Auto-Owners Insurance Co

There are two ways to insure against the diminishing value of your car. The first is with new car replacement; the second is with diminished value coverage. With the latter, you’re covered for the difference between the value of your vehicle at the time of an accident and the amount still owed on your lease or loan.

Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review

Best Car Insurance in Georgia for Drivers on a Budget

Generally, a policy that only meets the state minimum requirements is the most affordable option for drivers nationwide. MoneyGeek rated the best options for drivers looking for cheap car insurance in Georgia to help you find the best rates.

Here are the top two companies in terms of affordability and quality service for drivers on a budget:

  • GEICO: MoneyGeek score of 4 out of 5
  • State Farm: MoneyGeek score of 4 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

This is an icon

Affordable minimum coverage policy at $722 per year.

This is an icon

Discounts for bundling, multiple car and defensive driving.

This is an icon

MoneyGeek claims rating of 4 out of 5.

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5.

cons

This is an icon

No discounts for policyholders who pay in full.

This is an icon

No discounts for paperless billing.

COMPANY HIGHLIGHTS

Policyholders can 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 vehicle.

Best Car Insurance in Georgia for Poor Driving Records

MoneyGeek’s study also found the best car insurance companies in Georgia based on the cost of coverage for drivers with an at-fault accident on their driving record and the quality of customer service.

Using these factors, MoneyGeek found the top two companies in Georgia for drivers with bad driving records are:

  • State Farm: MoneyGeek score of 4.3 out of 5
  • GEICO: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

This is an icon

Affordable full coverage policy for poor drivers at $1,676 per year.

This is an icon

Offers roadside assistance and rental car reimbursement coverage.

This is an icon

MoneyGeek claims rating of 4 out of 5.

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5.

cons

This is an icon

No accident forgiveness coverage.

This is an icon

No new car replacement coverage.

This is an icon

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 different 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 car 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 gained a MoneyGeek score of 4.9 out of 5, 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

USAA

pros

This is an icon

Affordable full coverage policy for poor drivers at $931 per year.

This is an icon

Roadside assistance coverage.

This is an icon

Legacy discount.

This is an icon

MoneyGeek claims rating of 5 out of 5.

This is an icon

MoneyGeek user satisfaction rating of 4.5 out of 5.

cons

This is an icon

Only available to military families.

COMPANY HIGHLIGHTS

USAA not only has some of the cheapest prices for car insurance and best customer service in Georgia; it has a good reputation across the country.

Some of the coverages and discounts USAA offers are:

  • Roadside assistance coverage: This pays for certain 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.
  • Vehicle storage discount: Save up to 60% for storing an insured car.

Best Car Insurance in Georgia for Young Drivers and Students

MoneyGeek analyzed average costs and customer service records to find the best car insurance companies in Georgia for students and teens.

Based on MoneyGeek scores, the top companies that balance affordability and customer service for young drivers are:

  • GEICO: MoneyGeek score of 4.1 out of 5
  • Allstate: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

This is an icon

One of the lowest full coverage rates for young drivers at $3,803 per year on average.

This is an icon

Good student discount.

This is an icon

Driver’s education discount.

This is an icon

MoneyGeek claims rating of 4 out of 5.

This is an icon

MoneyGeek customer satisfaction rating of 4 out of 5.

cons

This is an icon

No distant student discount.

COMPANY HIGHLIGHTS

Adding young drivers to a car insurance policy can make the insurance premiums extremely expensive, but GEICO offers an affordable option. The insurer also provides excellent customer service. Finding good deals when adding a young driver or filing claims can be stressful, but great customer service can help with the process.

GEICO has discounts for families with teen and student drivers. These include the good student discount, which helps full-time students with good grades save money on insurance. If you complete the driver’s education course, you may also qualify for discounts.

Best Car Insurance in Georgia for Those With New Cars

MoneyGeek also ranked the top car insurance companies in Georgia for drivers looking for new car replacement coverage. This coverage pays for the cost of replacing your new car with a similar (and brand new) model and brand should it get damaged within the first years. New car replacement coverage is not usually part of your standard policy, so you will need to pay more for it as an add-on.

Based on MoneyGeek’s analysis, Allstate is the highest-scoring company that offers new car replacement in Georgia. It has an overall MoneyGeek score of 3.5 out of 5.

MoneyGeek’s Pick: Allstate

Allstate

pros

This is an icon

Affordable cost at $1,394 per year on average.

This is an icon

New car replacement.

cons

This is an icon

No better car replacement.

This is an icon

MoneyGeek claims rating of 3.5 out of 5.

This is an icon

MoneyGeek user satisfaction of 3.5 out of 5.

COMPANY HIGHLIGHTS

Allstate policyholders can choose to get new car replacement coverage as an add-on to their policy. This is a great option for new drivers in Georgia. As soon as you drive off the lot, your vehicle loses a lot of value. This coverage will be useful if you have an accident within two years after you buy a new car.

Best Car Insurance in Georgia for Low-Mileage Drivers

Many insurance providers offer pay-per-mile coverage. With this coverage, you’ll pay based on how many miles you drive. In Georgia, Nationwide SmartMiles offers the best pay-per-mile program.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

This is an icon

Affordable rates for car owners who are low-mileage drivers.

This is an icon

MoneyGeek claims rating of 4 out of 5.

This is an icon

MoneyGeek user satisfaction score of 4 out of 5.

cons

This is an icon

More expensive than standard auto insurance if you drive more regularly.

COMPANY HIGHLIGHTS

Nationwide SmartMiles is a pay-per-mile program. It includes a base rate and variable rate, depending on how many miles you drive. For road trips, only the first 250 miles in one day are counted. Additionally, it has a driving behavior feature that can save you up to up to 10%.

Another program you can opt into is Nationwide’s SmartRide. This program measures miles driven, hard braking and acceleration, idle time and nighttime driving. SmartRide can’t raise your rates, but can discount them as much as 40% for safe driving.

How to Find the Best Car Insurance in Georgia in 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 auto insurance below.

Methodology

MoneyGeek used car insurance costs in Georgia collected in partnership with Quadrant Information Services. These rates are based on a sample driver and the policy described on MoneyGeek’s methodology page unless otherwise stated.

The scores for customer satisfaction, claims satisfaction and financial stability were based on industry-leading evaluations by AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC). The coverages and discounts discussed in this analysis were collected from the websites and quote tools of each insurance company.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.