The best car insurance companies in Georgia for 2025 are Auto-Owners, GEICO, Central Insurance, Progressive and Mercury Insurance. Auto-Owners is the best auto insurer for six out of ten driver categories in Georgia, including young drivers and those with DUIs. Central Insurance specializes in high-risk profiles, offering the best rates for drivers with accidents, bad credit and low-income households. Compare the top-rated providers to find coverage that fits your personal profile below.
Best Car Insurance in Georgia
Updated: October 31, 2025
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Key Takeaways
Auto-Owners is Georgia's best overall car insurance provider for its superior customer service and competitive rates.
Central offers the best car insurance in Georgia for drivers with bad credit and low income, providing specialized coverage for these groups.
To get the best car insurance in Georgia, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Why You Can Trust MoneyGeek
MoneyGeek's scoring methodology evaluates three critical factors:
Affordability (60 points): We collected 7,200 quotes across Georgia, analyzing premiums for drivers aged 16 to 75 with various credit scores, driving records and coverage needs. Insurers earning perfect affordability scores offer rates at least 30% below state averages across multiple demographics.
Customer Experience (30 points): This combines J.D. Power satisfaction ratings, AM Best financial stability grades, complaint ratios from the National Association of Insurance Commissioners (NAIC) and our mystery shopping of customer service response times.
Coverage Options (10 points): We evaluate available add-ons, policy customization flexibility and unique protections beyond standard offerings. Higher scores indicate more comprehensive protection choices.
Best Car Insurance Companies in Georgia
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| Central Insurance | 0.21 | $59 | 3 | 1 |
| Progressive | 0.20 | $60 | 2 | 3 |
| Auto Owners | 0.20 | $46 | 1 | 7 |
| Geico | 0.18 | $42 | 6 | 8 |
| Mercury Insurance | 0.16 | $72 | 5 | 6 |
*We modified the categories above are based on insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Auto-Owners
Best Customer Experience in Georgia
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
5/5Customer Experience
3.3/5Coverage Points
Average Monthly Full Coverage Cost
$104For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$43For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
GEICO
Best Cheap Car Insurance in Georgia
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.4/5Customer Experience
2.9/5Coverage Points
Average Monthly Full Coverage Cost
$101For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$40For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Georgia
Finding the right car insurance in Georgia can be challenging. We've created this guide to help you choose coverage that fits your needs.
- 1Decide on coverage needs before you buy
It is important to know what coverage you need. Consider your driving habits, location and finances when deciding on insurance while meeting Georgia required minimums.
- 2Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Georgia to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs, and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3Look through provider customer experiences and coverage options thoroughly
Research customer reviews to understand coverage, claims handling and service quality.
- 4Consider non-standard coverage options
Explore non-owner car insurance and pay-per-mile policies that might better suit your situation. If you need an SR-22 in Georgia, be sure to factor this requirement in.
- 5Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible for your coverage needs.
- 6Reassess annually
Review your coverage and compare rates yearly to get the best deal.
Best Georgia Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall, while GEICO and Central are also good options for drivers in Georgia.
Best Auto Insurance in Georgia: FAQ
Finding the right car insurance depends on your specific needs, so we've gathered expert answers to common questions that will guide your choice.
What is the best car insurance company in Georgia?
Auto-Owners is the best car insurance company in Georgia overall, with an average monthly premium of $104 for full coverage.
What is the best car insurance company for minimum coverage in Georgia?
GEICO offers the lowest minimum coverage in Georgia with an average rate of $482 per year.
What is the best car insurance in Georgia for young drivers?
Auto-Owners is the top choice for young adults in Georgia, providing excellent customer service and competitive rates at $170 per month for comprehensive coverage.
What is the best car insurance for Georgia drivers who value customer service?
Auto-Owners ranks highest for customer experience in Georgia with a 5 out of 5. The company excels in their purchase experience, agent interactions, digital tools and claims handling process.
What is the best car insurance in Georgia if you have driving offenses?
For drivers with driving offenses, specifically a speeding ticket, Auto-Owners Insurance leads in Georgia, offering monthly rates of $48 for minimum coverage and $115 for full coverage policies.
How We Rated the Best Car Insurance in Georgia
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Georgia. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60%): We look at quotes for different driver profiles and compare rates within Georgia. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Georgia-specific feedback to get an accurate score.
- Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.