Best Car Insurance in Georgia

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Updated: December 29, 2025

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Best Car Insurance in Georgia: Fast Facts

MoneyGeek evaluated all auto insurance providers in Georgia and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance in Georgia (Click on each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on Georgia auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Georgia

Georgia drivers seeking the best overall choice should consider Auto-Owners, which excels for young drivers and those with driving violations. GEICO offers the lowest rates in the state. Central combines affordable rates with strong coverage specifically for drivers who have been in accidents.

Auto-Owners4.80$7317
Geico4.61$7168
Central Insurance4.53$9331
Progressive4.48$9523
Mercury Insurance4.20$10456

How We Chose the Best Car Insurance Companies in Georgia

Compare Georgia Car Insurance Rates From Top Companies

Enter your zip code to quickly compare quotes with top car insurance companies in Georgia.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN GEORGIA

Get more in-depth information about the best vehicle insurance in Georgia for your profile:

Auto-Owners

Auto-Owners: Best Cheap Georgia Car Insurance Company Overall

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  • Market-leading affordability with highly competitive premium rates

  • Exceptional customer experience through local independent agents

  • Fast, transparent claims processing with minimal wait times

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  • Limited coverage options compared to other insurers

  • Claims processing can be slow with unresponsive service

  • No Georgia-specific discounts or coverage benefits

COMPANY HIGHLIGHTS

Auto-Owners ranks as the best overall car insurance provider in Georgia and the top choice for young drivers and those with driving violations. Adult drivers pay an average of $73 monthly, while those with speeding tickets pay $81 monthly. Drivers with older vehicles see the lowest rates at $58 monthly.

Beyond standard liability, collision and comprehensive insurance, Auto-Owners covers pet medical expenses from accidents, gap insurance protection, custom parts and equipment, and roadside assistance. The company earned a coverage score of 3.3 out of 5. Georgia drivers can customize policies through local independent agents who understand regional requirements.

Auto-Owners earned a perfect 5.0 out of 5 customer experience score, ranking first in Georgia. The company processes claims efficiently with transparent communication. Its mobile app allows drivers to manage policies and track claims easily. The local agent network provides personalized support, resulting in fewer complaints relative to market share.

Read more: Auto-Owners Car Insurance Review

GEICO

GEICO: Best Georgia Car Insurance for Young Drivers and Customer Service

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  • Lowest premiums statewide across driver categories

  • Mobile app handles claims and policy management efficiently

  • Claims resolved within days

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  • Fewer coverage options than competitors

  • Long customer service wait times

  • Some drivers pay more than competitor rates

COMPANY HIGHLIGHTS

GEICO ranks as the best and cheapest option for senior drivers in Georgia. Seniors pay an average of $49 monthly for minimum coverage and $114 for full coverage. GEICO ranks second overall among Georgia insurers.

GEICO provides standard liability, collision and comprehensive coverage plus emergency roadside service, rental reimbursement and mechanical breakdown coverage. The company earned a coverage score of 2.9 out of 5.0. Georgia drivers can choose various deductibles and add accident forgiveness to prevent rate increases after their first at-fault accident.

GEICO scored 4.4 out of 5.0 for customer experience. Drivers appreciate the 24/7 claims service and mobile app features for bill payment, digital ID cards and damage estimates. The company's affordability score of 5.0 out of 5.0 reflects its competitive pricing. Military personnel and government employees receive additional discounts. At $850 annually on average, GEICO appeals to cost-conscious Georgia drivers.

Read more: GEICO Car Insurance Review

Central Insurance

Central: Best Georgia Car Insurance For Seniors, High-Risk Drivers, Bad Credit and Coverage Options

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  • Highest coverage score in Georgia at 5.0 out of 5

  • Low rates for high-risk drivers, including those with accidents or bad credit

  • Customizable plans for regional driving conditions

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  • Customer service trails top-ranked competitors

  • Other Georgia insurers offer lower rates for standard drivers

  • Limited online company information

COMPANY HIGHLIGHTS

Central ranks as the best and cheapest option for drivers with accidents in Georgia at $93 monthly. The company also offers the lowest rates for drivers with bad credit and low-income drivers.

Central earned a perfect coverage score of 5.0 out of 5, ranking first in Georgia. The company covers standard liability, collision and comprehensive risks plus roadside assistance, rental reimbursement and protection against regional hazards. Georgia drivers can customize policies to match their specific needs.

Central scored 4.5 out of 5 for customer service, ranking third statewide. The company also scored 4.5 out of 5 for affordability. Drivers with accidents pay $57 monthly for minimum coverage and $129 monthly for full coverage. Central processes claims quickly and provides online claims tracking.

Read more: Central Car Insurance Review

Best Car Insurance in Georgia by City

Car insurance rates vary between Georgia's major cities. Auto-Owners leads in most cities across the state.

The table below shows the best car insurance companies for Georgia cities.

AlbanyAuto Owners$6817
AtlantaAuto Owners$9717
AugustaAuto Owners$7617
BrunswickAuto Owners$6217
ColumbusAuto Owners$8217
DouglasvilleAuto Owners$8817
DunwoodyAuto Owners$7917
East PointAuto Owners$10217
GainesvilleAuto Owners$7417
Johns CreekAuto Owners$7517
MaconAuto Owners$8717
MariettaAuto Owners$8017
NewnanAuto Owners$8517
Peachtree CityAuto Owners$6917
RoswellAuto Owners$7017
Sandy SpringsAuto Owners$7317
SavannahAuto Owners$8417
ValdostaAuto Owners$6117

How to Find The Best Car Insurance in Georgia

Follow these steps to find the best car insurance in Georgia.

  1. 1

    Assess Your Coverage Needs

    Evaluate your insurance requirements based on your driving habits, vehicle value and Georgia location. High-risk areas like Atlanta need higher liability limits due to increased accident rates and medical costs. Determine coverage levels based on your financial situation and risk tolerance. Use our car insurance needs calculator for personalized recommendations or consult an independent agent.

  2. 2

    Study Costs and Available Discounts

    Research average car insurance costs for your driver profile before requesting quotes. Check our cheapest auto insurance provider rankings to see which companies offer the lowest rates. List potential discounts you qualify for to discuss with agents.

  3. 3

    Research Company Quality

    Look beyond pricing to evaluate insurer reliability and service. Review NAIC complaint indices, A.M. Best financial strength scores and J.D. Power customer satisfaction studies. Read customer reviews on Trustpilot for real experiences. Compare available coverage options and add-ons across companies.

  4. 4

    Gather Multiple Price Quotes

    Request quotes from at least five insurers using identical coverage specifications. Use online comparison tools, independent agents, company websites and captive agents. Each source may yield different pricing due to varying discounts and commission structures.

  5. 5

    Review Annually

    Insurance rates change frequently due to market conditions, claims data and regulatory updates. Your circumstances may also shift, affecting rates and coverage needs. Compare your current rates with new quotes annually to maintain optimal coverage at the best price.

  6. 6

    Bundle for Savings

    Combine your auto policy with homeowners or renters coverage from the same company. Multi-policy discounts typically range from 5% to 25% off total premiums. Contact your current providers to explore bundling options and compare the combined cost against separate policies.

  7. 7

    Maintain Good Credit

    Your credit score impacts insurance premiums in Georgia, where credit-based insurance scoring is legal. Pay bills on time, keep credit utilization low and monitor your credit report for errors. Improving your credit score can lower your premiums when you renew or switch providers.

Best Auto Insurance in Georgia: FAQ

Find answers to common questions about choosing car insurance in Georgia.

Who are the cheapest car insurance providers in Georgia?

Why is car insurance so expensive in Georgia?

How much is car insurance in Georgia on average?

How can I save money on car insurance in Georgia?

How much car insurance is required in Georgia?

Is unlimited PIP still worth it in Georgia?

Best Auto Insurance Georgia: Bottom Line

Auto-Owners, GEICO and Central offer the most affordable auto insurance in Georgia. Your best choice depends on your driving history and coverage needs. Compare rates from multiple insurers, check available discounts and review customer ratings before buying.

Best Car Insurance in Georgia Chart

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

Read Full Bio »

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