Cheapest Car Insurance in Georgia (October 2025)

Georgia drivers pay $135 a month for full coverage. That's 11% more than what most Americans pay. Minimum coverage runs $77 per month, which is 34% above the national average. These higher costs place Georgia 38th out of 51 states for full coverage affordability.

GEICO offers the cheapest rates for full coverage and minimum coverage statewide and leads in most major cities. Driving without full coverage leaves you vulnerable to repair costs if you cause an accident, so compare rates to find coverage that fits your budget. MoneyGeek ranked the best car insurance companies in Georgia by analyzing rates, customer satisfaction and coverage options, with Auto-Owners topping that list.

GEICO leads Georgia's insurance market, offering the cheapest full coverage at $101 monthly or $1,218 annually. GEICO also provides the lowest minimum coverage rates.

Auto-Owners follows at $104 monthly, Progressive at $128, Central at $129 and Mercury at $136.

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults to 26 to 64-year-olds and seniors to 65 and older.

GEICO offers the cheapest liability-only car insurance in Georgia at $40 monthly or $482 annually.

Auto-Owners follows at $43 monthly, Central at $57, Progressive at $61 and Mercury at $72. Georgia drivers have several options for minimum coverage as of October 2025.

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

Georgia requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. These standard limits keep baseline costs moderate but may leave you financially exposed in serious accidents, especially given Atlanta's heavy traffic and higher accident rates.

GEICO offers the most affordable minimum coverage rates in 11 of Georgia's 17 largest cities analyzed, while Auto-Owners secures the remaining six markets as of October 2025.

Minimum coverage costs across Georgia's major cities range from $32 to $61 monthly. Valdosta residents have the state's lowest monthly rates at $32 through GEICO, while Atlanta drivers pay the highest premiums at $61 with Auto-Owners. Most mid-sized cities maintain rates between $37 and $47.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Insurance costs for young drivers in Georgia remain steep, but the right insurer can cut your bill substantially. Auto-Owners has the lowest full coverage rates for drivers ages 16 to 25 at $224 per month, 41% cheaper than Georgia's average for this age group. COUNTRY Financial follows at $245 and Central at $257.

For adults ages 26 to 64, Auto-Owners also takes the top spot at $100 per month for full coverage. GEICO follows at $101 and Progressive at $124.

Drivers ages 65 and older find their best deal with GEICO at $114 per month for full coverage, 41% below Georgia's average for senior drivers. Auto-Owners ranks second at $149, followed by Central at $214.

Driving violations and credit issues increase insurance premiums in Georgia. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. Auto-Owners leads for most traffic violations, while Safeway leads for bad credit and COUNTRY Financial for DUI convictions.

• Texting while driving violation: Auto-Owners ($100 monthly)
• Speeding ticket: Auto-Owners ($111 monthly)
• At-fault accident: Central ($133 monthly)
• Bad credit: Safeway ($143 monthly)
• DUI: COUNTRY Financial ($179 monthly)

Compare quotes from national and regional carriers to save the most on auto insurance. Smaller insurers often beat big names outside Atlanta. Bundle policies, improve your credit score and ask about safe-driver discounts to lower rates.

Buying minimum coverage car insurance is also an option. Georgia's 25/50/25 minimum liability meets legal insurance requirements but leaves serious gaps. Without collision coverage, you'll pay repair costs if you cause an accident. Comprehensive coverage pays for theft, storm damage and vandalism. Georgia cracks the top 15 for car thefts nationwide. In 2023, the typical bodily injury claim came to $22,734, just $266 shy of Georgia's $25,000 per-person limit. Don't skimp on coverage if you can help it.

GEICO came out cheapest in our Georgia analysis for most drivers and coverage levels. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Our insurance experts answer common questions about finding affordable car insurance coverage in Georgia.

Georgia drivers juggle high traffic volume in Atlanta, unpredictable weather and rates that run 11% above the national average for full coverage. We compared rates across Georgia's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Georgia ZIP code using data from the state's Office of Insurance and Safety Fire Commissioner and Quadrant Information Services. The numbers tell the story: rural Valdosta drivers pay far less than Atlanta commuters stuck on I-285, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Georgia's median demographic:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Georgia insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles.

Coverage Levels We Compared

Georgia requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Georgia drivers carry.

For full coverage analysis, we used higher liability limits that better protect Georgia drivers in serious accidents:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Most insurance agents in Georgia push these higher limits once you mention Atlanta traffic. Three-car pileups on I-285 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.